25 September 2025
Angkatan Tentera Malaysia menerima hibah 14 pesawat tanpa awak (UAV) dari Jepang (photo: ATM)
KUALA LUMPUR – Menteri Pertahanan, YB Dato’ Seri Mohamed Khaled Nordin telah menyempurnakan majlis penyerahan pesawat tanpa pemandu (Unmanned Aerial Vehichle – UAV) daripada Kerajaan Jepun kepada Angkatan Tentera Malaysia (ATM) di bawah inisiatif Official Security Assistance (OSA) sebagai simbolik kukuhnya hubungan strategik pertahanan antara kedua buah negara. Majlis ini telah berlangsung di Auditorium Binary, Kompleks Haigate ATM serta disaksikan Duta Besar Jepun ke Malaysia, H.E. Shikata Noriyuki; Panglima Tentera Darat, Jeneral Tan Sri Dato’ Sri Muhammad Hafizuddeain bin Jantan yang mewakili Panglima Angkatan Tentera; serta kepimpinan tertinggi ATM termasuk Timbalan Panglima Tentera Laut dan Timbalan Panglima Tentera Udara.
UAV hibah dari Jepang kepada ATM (photo: Malaysia Gazette)
Sumbangan bernilai 400 juta Yen (RM12.63 juta) ini adalah hasil persetujuan Mesyuarat Jemaah Menteri pada Disember 2023 yang menerima geran daripada Jepun untuk peralatan bukan persenjataan. Perjanjian tersebut dimeterai melalui Exchange of Notes antara Kerajaan Malaysia dengan Japan International Cooperation System (JICS).
Melalui inisiatif ini, ATM menerima sebanyak 14 unit UAV yang akan diagihkan kepada Tentera Darat Malaysia (6 unit), Tentera Laut Diraja Malaysia (6 unit), serta Markas ATM (2 unit) di bawah tanggungjawab Bahagian Siber dan Elektromagnetik Pertahanan. UAV ini mampu beroperasi siang dan malam sekali gus meningkatkan keupayaan pemantauan maritim, kawalan sempadan serta operasi keselamatan negara. Selain UAV, ATM dijadual menerima sumbangan peralatan lain secara berfasa, termasuk bot penyelamat yang bakal diserahkan pada 1 Oktober ini di Pangkalan Udara Jugra serta kenderaan Road Cleaning Truck (RCT).
UAV hibah dari Jepang kepada ATM (photo: DagangNews)
Menteri Pertahanan dalam ucapannya menegaskan bahawa inisiatif ini bukan sahaja memperkukuh kesiapsiagaan ATM, malah mencerminkan komitmen Jepun dalam menyokong kestabilan serantau. ATM komited untuk terus memanfaatkan peluang kerjasama antarabangsa demi memperkukuh sistem pertahanan negara di samping mengekalkan hubungan ketenteraan dengan negara serantau bagi memastikan keamanan dan kestabilan terus terpelihara.
(ATM)
Bwahahahaπ€£π€£π€£, drone upil kasihaaaanπππ
BalasHapusReceh.
BalasHapuskata pembual mreka kaya...kok trima sedekahan haha!ππ€₯π
BalasHapusBANTUAN PALESTINA DIKORUPSI
BalasHapusThe MAID OF LONDON (MALON) Anti-Corruption Commission (MACC) has frozen 41 bank accounts belonging to Aman Palestin and several other companies in its investigation into the alleged misappropriation of RM70 million by the NGO. MACC said the 41 bank accounts had a combined total of RM15.8 million.
--
ENJOYING BOOMING BUT DISCREET TRADE
The Times of Israel said that CBS records show that in 2013, the total trade between MAID OF LONDON (MALON) and Israel reached US$1.529 billion (RM4.9 billion), which is almost double of the previous year's figure.
Goods imported from Israel make up US$1.457 billion (RM4.7 billion) of that amount.
....
SAHABATNYA PENDUKUNG GIVEAWAY
During the early days of his administration, Tunku Abdul Rahman was open to fostering ties with Israel as the latter had expressed support for Malaya’s independence. In 1956, Tunku, then Chief Minister, welcomed the Israeli Prime Minister, Moshe Sharett, to the county....
Although Tunku was inDEBTed to Israel for its vote to admit the newly independent Federation of Malaya into the United Nations in 1957,
Ciput sangat...OMPONG pula
BalasHapusπ€£πππ€ͺ
ATM menerima sebanyak 14 unit UAV yang akan diagihkan kepada Tentera Darat Malaysia (6 unit), Tentera Laut Diraja Malaysia (6 unit), serta Markas ATM (2 unit)
BalasHapus---------
lha tiudiem gak kebagian...wahh gak adil, parahhh haha!π΅π«π€π΅π«
Macam mainan anak tadika..π€£π€£π€£π·π·π·
BalasHapusBerita apaann MIN !
BalasHapusTak bermutu berita recehan πππ
πππ πππ‘ππ amatπ
BalasHapusSETELAH INI MALONDESH AKAN HIBAHKAN KONDOM UNISEX 10 KONTAINER KE JEPANG.....ADOIMAXXXXX
BalasHapusOperasi drone canggih ini memerlukan IQ lebih dari IQ78.
BalasHapusItu sebab Jepun bagi ke Malaysia bukan Indon!
π€£π€£π€£π€£π€£π€£π€£π€£π€£π€£π€£π€£π€£
KLAIM KAYA CASH = LOAN FOR SUBSIDI BBM
HapusMalondesh bisa membiayai subsidi dengan hutang negara:
1. Anggaran Pemerintah dan Defisit:
• Anggaran Tahunan: Setiap tahun, pemerintah Malondesh menyusun anggaran yang menguraikan perkiraan pendapatan dan pengeluaran. Subsidi adalah salah satu komponen pengeluaran yang signifikan, meliputi subsidi bahan bakar, listrik, makanan, dan lain-lain.
• Defisit Anggaran: Jika total pengeluaran melebihi total pendapatan yang diperkirakan, pemerintah mengalami defisit anggaran. Untuk menutupi defisit ini, pemerintah harus mencari sumber pendanaan tambahan.
2. Mekanisme Pembiayaan Defisit (dan Subsidi):
Ketika pemerintah memutuskan untuk memberikan subsidi tetapi tidak memiliki cukup uang tunai dari pendapatan saat ini, mereka akan meminjam. Berikut adalah cara-cara utama:
• Penerbitan Obligasi Pemerintah:
o Apa itu Obligasi? Obligasi adalah surat hutang yang diterbitkan oleh pemerintah untuk meminjam uang dari investor (individu, institusi keuangan, bank, dll.). Investor membeli obligasi ini dengan janji akan menerima pembayaran bunga secara berkala dan pengembalian pokok pada saat jatuh tempo.
o Bagaimana Terkait Subsidi? Dana yang terkumpul dari penjualan obligasi ini kemudian dapat digunakan untuk mendanai berbagai program pemerintah, termasuk pembayaran subsidi. Ini secara efektif berarti pemerintah meminjam uang untuk membayar subsidi, dan pinjaman ini menjadi bagian dari hutang negara.
o Contoh di Malondesh: Malondesh secara rutin menerbitkan obligasi pemerintah seperti Malondeshn Government Securities (MGS) dan Malondeshn Government Investment Issues (MGII) untuk membiayai pengeluaran dan proyek pembangunan.
• Pinjaman dari Lembaga Keuangan:
o Pemerintah juga dapat meminjam langsung dari bank domestik atau lembaga keuangan internasional (misalnya, Bank Dunia, Asian Development Bank), meskipun ini kurang umum untuk pembiayaan subsidi rutin dan lebih sering untuk proyek-proyek besar atau saat krisis.
3. Dampak terhadap Hutang Negara:
• Peningkatan Hutang: Setiap kali pemerintah meminjam uang untuk membiayai subsidi (atau pengeluaran lain), jumlah total hutang negara akan meningkat.
• Beban Bunga: Peningkatan hutang berarti pemerintah juga harus membayar bunga atas pinjaman tersebut. Pembayaran bunga ini menjadi pengeluaran tahunan dalam anggaran pemerintah, yang berarti sebagian dari pendapatan negara harus dialokasikan untuk membayar bunga hutang daripada untuk program lain.
• Risiko Fiskal: Jika rasio hutang terhadap PDB menjadi terlalu tinggi atau jika beban bunga menjadi tidak berkelanjutan, ini dapat menimbulkan risiko fiskal bagi negara, seperti:
o Penurunan Peringkat Kredit: Lembaga pemeringkat kredit dapat menurunkan peringkat kredit negara, yang membuat biaya pinjaman di masa depan menjadi lebih mahal.
o Tekanan Inflasi: Jika pemerintah mencetak uang untuk membayar hutang (meskipun jarang terjadi di Malondesh), ini bisa menyebabkan inflasi.
o Pembatasan Pilihan Kebijakan: Bagian anggaran yang besar dialokasikan untuk pembayaran hutang, membatasi kemampuan pemerintah untuk berinvestasi dalam pendidikan, infrastruktur, atau layanan penting lainnya.
Contoh Kasus Malondesh:
Malondesh memiliki kebijakan subsidi untuk bahan bakar. Fluktuasi harga minyak dunia seringkali mempengaruhi besarnya anggaran subsidi. Ketika harga minyak global tinggi, biaya subsidi pemerintah juga meningkat drastis. Jika peningkatan pendapatan dari ekspor minyak (jika ada) tidak cukup untuk menutupi biaya subsidi yang lebih tinggi, pemerintah mungkin akan menggunakan pinjaman untuk membiayai kesenjangan tersebut.
---------------
KLAIM KAYA CASH = LOAN
• UTANG PEMERINTAH FEDERAL PER KAPITA: RM 36,139
• UTANG RUMAH TANGGA PER KAPITA: RM 45,859
KLAIM KAYA CASH = LOAN FOR SUBSIDI BBM
HapusMalondesh bisa membiayai subsidi dengan hutang negara:
1. Anggaran Pemerintah dan Defisit:
• Anggaran Tahunan: Setiap tahun, pemerintah Malondesh menyusun anggaran yang menguraikan perkiraan pendapatan dan pengeluaran. Subsidi adalah salah satu komponen pengeluaran yang signifikan, meliputi subsidi bahan bakar, listrik, makanan, dan lain-lain.
• Defisit Anggaran: Jika total pengeluaran melebihi total pendapatan yang diperkirakan, pemerintah mengalami defisit anggaran. Untuk menutupi defisit ini, pemerintah harus mencari sumber pendanaan tambahan.
2. Mekanisme Pembiayaan Defisit (dan Subsidi):
Ketika pemerintah memutuskan untuk memberikan subsidi tetapi tidak memiliki cukup uang tunai dari pendapatan saat ini, mereka akan meminjam. Berikut adalah cara-cara utama:
• Penerbitan Obligasi Pemerintah:
o Apa itu Obligasi? Obligasi adalah surat hutang yang diterbitkan oleh pemerintah untuk meminjam uang dari investor (individu, institusi keuangan, bank, dll.). Investor membeli obligasi ini dengan janji akan menerima pembayaran bunga secara berkala dan pengembalian pokok pada saat jatuh tempo.
o Bagaimana Terkait Subsidi? Dana yang terkumpul dari penjualan obligasi ini kemudian dapat digunakan untuk mendanai berbagai program pemerintah, termasuk pembayaran subsidi. Ini secara efektif berarti pemerintah meminjam uang untuk membayar subsidi, dan pinjaman ini menjadi bagian dari hutang negara.
o Contoh di Malondesh: Malondesh secara rutin menerbitkan obligasi pemerintah seperti Malondeshn Government Securities (MGS) dan Malondeshn Government Investment Issues (MGII) untuk membiayai pengeluaran dan proyek pembangunan.
• Pinjaman dari Lembaga Keuangan:
o Pemerintah juga dapat meminjam langsung dari bank domestik atau lembaga keuangan internasional (misalnya, Bank Dunia, Asian Development Bank), meskipun ini kurang umum untuk pembiayaan subsidi rutin dan lebih sering untuk proyek-proyek besar atau saat krisis.
3. Dampak terhadap Hutang Negara:
• Peningkatan Hutang: Setiap kali pemerintah meminjam uang untuk membiayai subsidi (atau pengeluaran lain), jumlah total hutang negara akan meningkat.
• Beban Bunga: Peningkatan hutang berarti pemerintah juga harus membayar bunga atas pinjaman tersebut. Pembayaran bunga ini menjadi pengeluaran tahunan dalam anggaran pemerintah, yang berarti sebagian dari pendapatan negara harus dialokasikan untuk membayar bunga hutang daripada untuk program lain.
• Risiko Fiskal: Jika rasio hutang terhadap PDB menjadi terlalu tinggi atau jika beban bunga menjadi tidak berkelanjutan, ini dapat menimbulkan risiko fiskal bagi negara, seperti:
o Penurunan Peringkat Kredit: Lembaga pemeringkat kredit dapat menurunkan peringkat kredit negara, yang membuat biaya pinjaman di masa depan menjadi lebih mahal.
o Tekanan Inflasi: Jika pemerintah mencetak uang untuk membayar hutang (meskipun jarang terjadi di Malondesh), ini bisa menyebabkan inflasi.
o Pembatasan Pilihan Kebijakan: Bagian anggaran yang besar dialokasikan untuk pembayaran hutang, membatasi kemampuan pemerintah untuk berinvestasi dalam pendidikan, infrastruktur, atau layanan penting lainnya.
Contoh Kasus Malondesh:
Malondesh memiliki kebijakan subsidi untuk bahan bakar. Fluktuasi harga minyak dunia seringkali mempengaruhi besarnya anggaran subsidi. Ketika harga minyak global tinggi, biaya subsidi pemerintah juga meningkat drastis. Jika peningkatan pendapatan dari ekspor minyak (jika ada) tidak cukup untuk menutupi biaya subsidi yang lebih tinggi, pemerintah mungkin akan menggunakan pinjaman untuk membiayai kesenjangan tersebut.
---------------
KLAIM KAYA CASH = LOAN
• UTANG PEMERINTAH FEDERAL PER KAPITA: RM 36,139
• UTANG RUMAH TANGGA PER KAPITA: RM 45,859
KLAIM KAYA CASH = LOAN
Hapus• UTANG PEMERINTAH FEDERAL PER KAPITA: RM 36,139
• UTANG RUMAH TANGGA PER KAPITA: RM 45,859
Angka-angka ini cukup signifikan dan menunjukkan tingkat ketergantungan yang tinggi pada utang baik di tingkat pemerintah maupun rumah tangga.
Implikasi Detail terhadap Perekonomian Riil:
Implikasi dari Utang Rumah Tangga per Kapita (RM 45,859):
1. Daya Beli dan Konsumsi yang Tertekan:
o Penjelasan: Sebagian besar pendapatan rumah tangga harus dialokasikan untuk membayar cicilan utang (KPR, KKB, kartu kredit, pinjaman pribadi).
o Dampak Riil:
Penurunan Konsumsi Barang dan Jasa Lain: Ketika sebagian besar pendapatan habis untuk utang, kemampuan rumah tangga untuk membeli barang dan jasa lain (selain kebutuhan pokok) akan berkurang. Konsumsi adalah motor utama pertumbuhan ekonomi di banyak negara.
Risiko Resesi: Jika konsumsi rumah tangga menurun drastis, ini bisa memicu perlambatan ekonomi atau bahkan resesi.
Tekanan pada Sektor Ritel: Bisnis ritel dan sektor jasa yang sangat bergantung pada pengeluaran konsumen akan mengalami penurunan penjualan dan profitabilitas.
2. Stabilitas Keuangan Rumah Tangga yang Rentan:
o Penjelasan: Tingkat utang yang tinggi membuat rumah tangga sangat rentan terhadap guncangan ekonomi.
o Dampak Riil:
Gagal Bayar (Default): Jika terjadi kehilangan pekerjaan, penurunan pendapatan, atau kenaikan suku bunga, banyak rumah tangga bisa kesulitan membayar utangnya, berujung pada gagal bayar.
Krisis Keuangan Sistemik: Tingkat gagal bayar yang meluas bisa memicu krisis di sektor perbankan (karena bank memiliki piutang dari rumah tangga tersebut), yang pada gilirannya bisa mengguncang seluruh sistem keuangan.
Kesehatan Mental dan Sosial: Tekanan utang yang berat juga berdampak pada kesehatan mental dan kualitas hidup masyarakat, yang secara tidak langsung memengaruhi produktivitas ekonomi.
3. Hambatan Investasi dan Tabungan Rumah Tangga:
o Penjelasan: Ketika pendapatan banyak digunakan untuk membayar utang, kapasitas rumah tangga untuk menabung atau berinvestasi menjadi terbatas.
o Dampak Riil:
Modal untuk Pensiun dan Pendidikan Berkurang: Kemampuan untuk mempersiapkan masa pensiun, pendidikan anak, atau investasi masa depan lainnya berkurang. Ini berpotensi menciptakan masalah sosial ekonomi di masa mendatang.
Modal Produktif Berkurang: Secara agregat, tabungan rumah tangga adalah salah satu sumber modal penting bagi investasi produktif di perekonomian. Jika tabungan rendah, maka sumber modal ini juga berkurang.
4. Kebijakan Moneter yang Terhambat:
o Penjelasan: Bank sentral harus mempertimbangkan tingkat utang rumah tangga saat merumuskan kebijakan moneter (terutama suku bunga).
o Dampak Riil:
Dilema Suku Bunga: Jika bank sentral menaikkan suku bunga untuk mengendalikan inflasi, ini akan meningkatkan beban cicilan utang rumah tangga, berisiko memicu gagal bayar massal dan memperlambat ekonomi. Ini menempatkan bank sentral dalam dilema.
Efektivitas Kebijakan Berkurang: Kebijakan moneter mungkin menjadi kurang efektif karena adanya tingkat utang yang tinggi.
KLAIM KAYA CASH = LOAN
Hapus• UTANG PEMERINTAH FEDERAL PER KAPITA: RM 36,139
• UTANG RUMAH TANGGA PER KAPITA: RM 45,859
Angka-angka ini cukup signifikan dan menunjukkan tingkat ketergantungan yang tinggi pada utang baik di tingkat pemerintah maupun rumah tangga.
Implikasi Detail terhadap Perekonomian Riil:
Implikasi dari Utang Pemerintah Federal per Kapita (RM 36,139):
1. Beban Pelayanan Utang yang Lebih Tinggi:
o Penjelasan: Dengan utang pemerintah yang besar, pemerintah harus mengalokasikan sebagian besar anggaran tahunannya untuk membayar bunga dan pokok utang. Ini disebut "beban pelayanan utang" (debt service).
o Dampak Riil:
Pengurangan Pengeluaran untuk Layanan Publik: Dana yang seharusnya bisa digunakan untuk investasi infrastruktur (jalan, jembatan, pelabuhan), pendidikan, kesehatan, riset dan pengembangan, atau program kesejahteraan sosial, justru habis untuk membayar utang. Ini menghambat pembangunan jangka panjang dan peningkatan kualitas hidup masyarakat.
Kenaikan Pajak di Masa Depan: Untuk membiayai utang, pemerintah mungkin terpaksa menaikkan pajak (PPh, PPN, pajak korporasi) di masa depan. Kenaikan pajak ini akan mengurangi daya beli masyarakat dan laba perusahaan, yang pada gilirannya bisa memperlambat pertumbuhan ekonomi.
Risiko Fiskal: Jika bunga utang naik secara signifikan atau pertumbuhan ekonomi melambat, kemampuan pemerintah untuk membayar utang bisa tertekan, meningkatkan risiko krisis fiskal.
2. Ketergantungan pada Pasar Keuangan:
o Penjelasan: Pemerintah harus terus-menerus mencari pinjaman baru (menerbitkan obligasi) untuk membiayai utang yang jatuh tempo atau defisit anggaran.
o Dampak Riil:
Sensitivitas terhadap Suku Bunga: Pemerintah menjadi sangat sensitif terhadap perubahan suku bunga di pasar. Jika suku bunga global atau domestik naik, biaya pinjaman pemerintah akan melonjak, memperparah beban utang.
Potensi "Crowding Out": Pinjaman pemerintah yang besar bisa menyedot dana dari pasar modal, sehingga mengurangi ketersediaan dana bagi sektor swasta untuk berinvestasi (ini disebut "crowding out"). Akibatnya, investasi swasta yang produktif bisa terhambat.
3. Kredibilitas dan Peringkat Kredit Negara:
o Penjelasan: Lembaga pemeringkat kredit (seperti Moody's, S&P, Fitch) mengevaluasi kemampuan negara untuk membayar utangnya.
o Dampak Riil:
Biaya Pinjaman Lebih Tinggi: Jika peringkat kredit negara turun karena tingkat utang yang tinggi, investor akan meminta imbal hasil (bunga) yang lebih tinggi untuk meminjamkan uang kepada pemerintah. Ini membuat biaya pinjaman semakin mahal.
Citra Investor Negatif: Peringkat yang buruk juga bisa membuat investor asing ragu untuk berinvestasi di negara tersebut, mengurangi aliran modal asing langsung (FDI) yang penting untuk penciptaan lapangan kerja dan transfer teknologi.
F18 = BURUNG BANGAU
HapusPENDEKAR = CUMI-CUMI
SPH = SAPI PENARIK HOWITZER
==============
RMAF F/A-18D Hornet Crash
• Date: August 21, 2025
• Location: Kuantan Air Base, Malondesh
• Aircraft: F/A-18D Hornet (two-seater variant)
• Event: The jet burst into flames during takeoff and crashed shortly after.
π¦ Cause of the Crash
• Confirmed Cause: A bird strike
• Details:
o A purple heron collided with the aircraft’s left engine during takeoff.
o The bird strike occurred at a critical moment when the jet was accelerating at 146 knots and had just lifted to about 10 meters altitude.
o The crew ejected approximately 50 meters from the aircraft.
• Investigation:
o Conducted by RMAF with support from STRIDE, the Chemistry Department, Perhilitan (wildlife agency), and the U.S. Navy.
o Bone fragments from the bird were analyzed to confirm species.
π§ Aftermath
• Safety Record: This was the first crash of an RMAF F/A-18D Hornet since its induction.
• Previous Incidents:
o 2003: Runway skid in Kuching due to tire burst.
o 2017: Emergency landing due to landing gear issue.
o 2019: Turbine failure during takeoff at LIMA airshow.
==============
Sinking of KD Pendekar
On 25 August 2024, KD Pendekar sank off the coast of Tanjung Penyusop, Johor, Malondesh, after a collision with a submerged object.
π Timeline of Events
• Around 12:00 PM: The ship struck an underwater object, causing a leak in the engine room.
• Flooding began: Despite damage control efforts, water continued to enter the vessel.
• 3:54 PM: The ship sank approximately 2 nautical miles southeast of Tanjung Penyusop.
• Rescue: All 39 crew members were safely evacuated with no injuries, thanks to assistance from nearby RMN ships, the Malondeshn Coast Guard, and police2.
Aging vessels in the RMN fleet (10–15 ships over 40 years old) are now under review for safety and seaworthiness.
==============
key issues contributing to the lack of procurement of SPH for the Malondeshn military:
1. Lack of Transparency and Corruption
Defense procurement in Malondesh has been criticized for a lack of transparency, a problem that is not unique to the SPH program but is a systemic issue affecting the entire Ministry of Defence (MINDEF).
• Role of Middlemen: The involvement of agents and middlemen has been a major point of contention. These agents, who may have political ties or be retired military officers, can add unnecessary commissions, leading to inflated prices. This practice has been publicly criticized by high-ranking officials, including Malondesh's King, Sultan Ibrahim, who has called for an end to such practices and for procurements to be based on market prices and the actual needs of the military.
• Audit Findings: Auditor-General reports have consistently flagged serious procurement and contract management failures within the Malondeshn Armed Forces (MAF). These reports have revealed issues such as delayed deliveries, questionable payment practices, and the splitting of large contracts into smaller packages to bypass open tender thresholds.
2. Budgetary Constraints and Mismanagement
While Malondesh has increased its defense budget in recent years, the funding for modernization has been limited by a history of financial mismanagement and competing priorities.
• Austerity Measures: Past economic crises and an emphasis on fiscal prudence have sometimes led to the abandonment of long-term defense acquisition plans. This has resulted in the Malondeshn Army having to make do with aging equipment.
• Over-reliance on Foreign Suppliers: Due to a limited domestic defense industry, Malondesh is highly reliant on foreign suppliers for advanced military assets like SPH. This dependence, coupled with the systemic procurement issues, makes the country vulnerable to inflated prices and unsuitable deals.
• Poor Contract Management: The Auditor-General's reports have also highlighted a failure to enforce penalties for late deliveries and a practice of paying for equipment before it is delivered, compromising
πLACK MAINTENANCE = LACK UPGRADEπ
BAYAR RM 81,998 = DIPERAS KERAJAAN
HapusGOV + PEOPLE : OVERLIMIT DEBT
--------------------
FEDERAL GOVERNMENT DEBT = PER PEOPLE : RM 36,139
HOUSEHOLD DEBT = PER PEOPLE : RM 45,859.
GOV + HOUSEHOLD = PER PEOPLE : RM 81,998
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang akhir 2024: RM 1.25 triliun
• Utang akhir Juni 2025: RM 1.30 triliun
• Jumlah penduduk Malondesh 2025 (perkiraan pertengahan tahun): 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
1.30 triliun = 1,300,000,000,000
Per Orang = 1,300,000,000,000/35,977,838 : RM 36,139 per orang
3️⃣ Ringkasan dalam tabel
Periode Total Utang (RM Triliun) Penduduk (Jiwa) Utang per Orang (RM) Kenaikan per Orang (RM)
Akhir 2024 1.25 35,977,838 34,735 –
Juni 2025 1.30 35,977,838 36,139 +1,404
4️⃣ Analisis
• Dalam 6 bulan pertama 2025, utang per penduduk naik sekitar RM 1,404.
• Kenaikan ini setara dengan +4% dibanding akhir 2024.
• Artinya, setiap warga Malondesh secara rata-rata “menanggung” tambahan utang sekitar RM 234 per bulan selama periode tersebut.
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang rumah tangga (akhir Maret 2025): RM 1.65 triliun
• Persentase terhadap PDB: 84.3%
• Jumlah penduduk Malondesh pertengahan 2025: 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
Utang per orang =1,650,000,000,000/35,977,838 : RM 45,859 per orang
3️⃣ Ringkasan dalam tabel
Periode Total Utang Rumah Tangga (RM Triliun) Penduduk (Jiwa) Utang per Orang (RM)
Maret 2025 1.65 35,977,838 45,859
4️⃣ Analisis
• Setiap penduduk Malondesh, secara rata-rata, “menanggung” utang rumah tangga sekitar RM 45,859.
• Angka ini lebih tinggi dibanding utang per kapita pemerintah federal yang kita hitung sebelumnya (sekitar RM 36 ribu per orang).
• Jika digabungkan (utang pemerintah + utang rumah tangga), beban utang total per kapita bisa mendekati RM 82 ribu.
• Rasio 84.3% dari PDB menunjukkan bahwa utang rumah tangga Malondesh relatif tinggi dibanding ukuran ekonominya, yang dapat memengaruhi daya beli dan risiko keuangan rumah tangga jika suku bunga naik.
--------------------
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 (US$ 250,8 miliar) atau 80 persen dari PDB.
Komentar ini telah dihapus oleh pengarang.
BalasHapusCanggih habis masa 14 tahun MANGKRAK...π€£π€£πππ€ͺ
BalasHapusAlhamdulillah dapat RON 95 - RM1.99 se-liter.
BalasHapusTKI di Malaysia kena bayar lebih!
πππππ
Legal Grey Zones in “Offsets” & “Consultancy Fees”
Hapus• Commissions to middlemen are often disguised as:
o Offset programs (e.g., promising technology transfer, training, local jobs).
o Consultancy fees for “facilitating” deals.
o Logistics or IT support contracts.
• These make it appear legitimate on paper, even if the services provided are minimal or irrelevant.
Why it continues: Because the practice can be masked under legal business terms, it becomes difficult to prove corruption.
________________________________________
Institutionalized Culture of Corruption
• In Maid of london (MALON) , the role of middlemen has been entrenched since the 1980s–1990s when large defense contracts (MiG-29s, patrol boats, submarines) first involved commissions.
• Once established, it became a “standard practice” in defense procurement.
• Military officers are aware of it but cannot override political leaders who approve procurement.
Why it continues: Corruption in procurement has become part of the status quo — changing it would threaten entrenched interests.
________________________________________
Limited Domestic Defense Industry Capacity
• Maid of london (MALON) does not have a strong indigenous defense industry compared to countries like Singapore.
• This weakness forces Maid of london (MALON) to import most major weapons (jets, submarines, ships, tanks).
• Because imports are complex, middlemen exploit the situation by presenting themselves as “essential” facilitators.
Why it continues: Without a robust local defense industry, Maid of london (MALON) depends on foreign deals, which middlemen dominate.
________________________________________
Short-Term Political Gains Over Long-Term Military Needs
• Defense deals are often politically timed (e.g., before elections) to show “progress” in military modernization.
• Politicians prioritize contracts that reward allies or fund political campaigns instead of long-term military requirements.
• Middlemen are crucial to channel funds quickly and quietly.
Why it continues: Political survival often outweighs genuine defense needs.
________________________________________
✅ Summary
Middlemen continue to exist in Maid of london (MALON) n defense procurement because of:
1. Political patronage → Contracts reward allies.
2. Opaque, secretive procurement → No transparency.
3. Weak oversight → Parliament & auditors lack power.
4. Foreign supplier practices → They accept middlemen as part of the deal.
5. Legal disguise → Commissions hidden as consultancy or offsets.
6. Entrenched corruption culture → Seen as “normal.”
7. Weak local defense industry → Dependence on imports makes intermediaries seem necessary.
8. Political short-termism → Leaders use procurement for power, not military readiness.
=============
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
• End of March 2025: RM 1.65 trillion or 84.3% of GDP
=============
DEBT MARCH 2025 = 1,65 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
π° MIDDLEMEN & COMMISSIONS IN MAID OF LONDON (MALON) N Armed Forces Procurement
Hapus1. What Are Middlemen in Defense Deals?
• In defense procurement, middlemen (sometimes called agents, consultants, or brokers) act as intermediaries between the Maid of london (MALON) n government/military and foreign defense suppliers (e.g., shipbuilders, aircraft manufacturers, arms companies).
• In theory, they are supposed to:
o Facilitate negotiations.
o Provide local expertise.
o Smoothen bureaucracy.
• In practice, they often inflate costs, demand commissions, and channel kickbacks to political figures or officials.
________________________________________
2. How Middlemen Work in Maid of london (MALON) n Defense Procurement
1. Foreign Supplier → Local Agent
o A foreign company selling jets, submarines, or ships is required (sometimes unofficially) to use a Maid of london (MALON) n intermediary.
2. Mark-Up & Commission
o The agent adds commission fees (5–15% or more) on top of the real price.
o These inflated costs are hidden under “consultancy services” or “offset agreements.”
3. Kickbacks
o Part of the commission is allegedly funneled to politicians, senior officials, or linked companies to secure the contract.
4. Result
o Maid of london (MALON) ends up paying far above market price for equipment.
o The military gets fewer assets for the same budget.
________________________________________
3. Examples of Middlemen in Maid of london (MALON) n Defense Scandals
π’ a. The ScorpΓ¨ne Submarine Deal (2002)
• Maid of london (MALON) purchased two ScorpΓ¨ne-class submarines from French company DCNS (now Naval Group) worth about RM 4.3 billion (~USD 1 billion).
• A Maid of london (MALON) n company, Perimekar Sdn Bhd, acted as the “support services provider.”
• Perimekar received RM 500 million (≈ USD 120 million) in “commissions.”
• French investigations later revealed this was effectively kickbacks disguised as consultancy fees, with allegations that money was funneled to Maid of london (MALON) n political elites.
Impact: Maid of london (MALON) got the submarines, but at a heavily inflated price — while international corruption investigations damaged Maid of london (MALON) reputation.
________________________________________
π’ b. The Littoral Combat Ship (LCS) Scandal (2011–present)
• The RM 9 billion contract to build 6 Gowind-class ships involved subcontracting and changes in design.
• Reports suggest multiple layers of subcontractors and consultants, many linked to politically connected firms.
• Payments were made for “consultancy” and “IT systems” that had little to do with shipbuilding.
• Some of these contracts were allegedly ways to siphon money out of the project.
Impact: Billions spent, zero ships delivered by 2025. The use of middlemen and subcontractors directly contributed to the collapse of the program.
________________________________________
π’ c. Fighter Jet & Helicopter Purchases
• Past deals for MiG-29s (1990s), Su-30MKMs (2000s), and helicopters (2010s) also involved agents.
• Allegations:
o Overpricing of spare parts.
o Long-term maintenance contracts given to politically linked firms.
o Kickbacks hidden in “service fees.”
________________________________________
4. Why Middlemen Are a Problem in Maid of london (MALON)
1. Inflated Costs
o Commissions can push prices 20–30% higher than international norms.
2. Reduced Military Capability
o With the same budget, Maid of london (MALON) buys fewer ships, jets, or vehicles.
3. Encourages Corruption
o Middlemen often act as money channels for bribes.
4. Weak Accountability
o These commissions are often hidden in classified “national security” budgets, so Parliament and public auditors cannot fully track them.
5. Foreign Dependence
o Maid of london (MALON) has limited domestic defense industry capacity, making it vulnerable to manipulation by foreign suppliers and local agents.
KLAIM KAYA CASH = LOAN FOR SUBSIDI BBM
HapusThe relationship between Malaysia's national debt and its subsidy system is a critical issue in the country's public finance, forming a cycle where large, universal subsidies contribute directly to a persistent fiscal deficit, which must then be financed through borrowing, adding to the national debt.
1. The Subsidy-Driven Fiscal Deficit
Malaysia has historically relied on universal subsidies for key items such as fuel (especially RON95 petrol), electricity, cooking oil, and certain foodstuffs.
• Massive Annual Expenditure: These subsidies collectively represent one of the largest components of the Federal Government's operating expenditure, often amounting to tens of billions of Ringgit annually (e.g., around RM80 billion in total subsidies, grants, and social aid was cited for a recent budget, with fuel making up a significant portion).
• The Problem of Universality (Blanket Subsidies): Since these subsidies are often granted to everyone regardless of income, a substantial amount of the fiscal benefit flows to the high-income groups and, in the case of fuel, can be illegally enjoyed by non-citizens or commercial entities, leading to massive fiscal leakage and inefficiency.
• Creating the Deficit: Government revenue (mainly taxes and non-tax revenue like PETRONAS dividends) is often insufficient to cover the high volume of operating expenditure, which includes the enormous subsidy bill. This shortfall leads to a budget (fiscal) deficit. For instance, some analysts note that government revenue is barely enough to cover just the operating expenditure, meaning almost all development expenditure (and any shortfall in operating expenditure) must be financed by debt.
2. The Debt Financing Mechanism
When the government runs a fiscal deficit, it must finance the gap between its spending (including subsidies) and its revenue by borrowing money. This is the direct link between the subsidy burden and the national debt.
• Issuing Debt: The government primarily borrows by issuing fixed-income instruments, mainly Malaysian Government Securities (MGS) and Malaysian Government Investment Issues (MGII), which are sovereign bonds and Islamic bonds (sukuk), respectively.
• Growth of National Debt: Persistent deficits, driven in part by subsidies and large development projects, cause the total Federal Government debt to accumulate. The debt-to-GDP ratio has steadily risen over the years and remains a major concern for fiscal sustainability.
• Debt Service Charges (DSC): The consequence of high debt is a high cost of servicing that debt (paying the interest). DSC is a legally mandated, non-discretionary expenditure and is a significant drain on the budget. For example, DSC has been budgeted in the tens of billions of Ringgit annually. This figure is often larger than the total budget for certain critical sectors, such as personal income tax collection.
3. The Vicious Cycle and Crowding Out
The burden of debt creates a constraint on the government's ability to finance future subsidies and other crucial public services, forming a negative feedback loop:
High Subsidy Cost⟹Large Fiscal Deficit⟹Increased Borrowing⟹Higher National Debt⟹Higher Debt Service Charges⟹Reduced Fiscal Space for Future Spending (including necessary subsidies)
• Reduced Fiscal Space: The large, unavoidable DSC "crowds out" the ability of the government to spend on more productive or necessary areas. Every Ringgit spent on interest payments is a Ringgit that cannot be spent on targeted welfare, education, or healthcare, or to maintain necessary subsidies for the truly poor.
• Sustainability Risk: Continuously borrowing to fund consumption (like universal subsidies) rather than productive investments is fiscally unsustainable and signals a weak financial position to credit rating agencies.
BAYAR RM 81,998 = DIPERAS KERAJAAN
HapusFEDERAL GOVERNMENT DEBT = PER PEOPLE : RM 36,139
HOUSEHOLD DEBT = PER PEOPLE : RM 45,859.
GOV + HOUSEHOLD = PER PEOPLE : RM 81,998
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang akhir 2024: RM 1.25 triliun
• Utang akhir Juni 2025: RM 1.30 triliun
• Jumlah penduduk Malondesh 2025 (perkiraan pertengahan tahun): 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
1.30 triliun = 1,300,000,000,000
Per Orang = 1,300,000,000,000/35,977,838 : RM 36,139 per orang
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang rumah tangga (akhir Maret 2025): RM 1.65 triliun
• Persentase terhadap PDB: 84.3%
• Jumlah penduduk Malondesh pertengahan 2025: 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
Utang per orang =1,650,000,000,000/35,977,838 : RM 45,859 per orang
-------------------
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
===========
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 US$150 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 US$240–242 miliar, termasuk US$70 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
Ngutang buat subsidi yaah lon...π€£ππππ
BalasHapuskahsiyan negaraπ°kasino genting hanya diberi nipon aset murah saja bangga haha!π€£π€£π€£
BalasHapuskita donk dibagi Aset Kapal OPV Large Baruw puluhan juta dolar hore haha!π€ππ€
bisa dapet ribuan dron kyk gitu haha!πππ
Alhamdulillah dapat RON 95 - RM1.99 se-liter.
BalasHapusTKI di Malaysia kena bayar lebih!
πππππ
KLAIM KAYA CASH = LOAN FOR SUBSIDI BBM
HapusThe relationship between Malaysia's national debt and its subsidy system is a critical issue in the country's public finance, forming a cycle where large, universal subsidies contribute directly to a persistent fiscal deficit, which must then be financed through borrowing, adding to the national debt.
1. The Subsidy-Driven Fiscal Deficit
Malaysia has historically relied on universal subsidies for key items such as fuel (especially RON95 petrol), electricity, cooking oil, and certain foodstuffs.
• Massive Annual Expenditure: These subsidies collectively represent one of the largest components of the Federal Government's operating expenditure, often amounting to tens of billions of Ringgit annually (e.g., around RM80 billion in total subsidies, grants, and social aid was cited for a recent budget, with fuel making up a significant portion).
• The Problem of Universality (Blanket Subsidies): Since these subsidies are often granted to everyone regardless of income, a substantial amount of the fiscal benefit flows to the high-income groups and, in the case of fuel, can be illegally enjoyed by non-citizens or commercial entities, leading to massive fiscal leakage and inefficiency.
• Creating the Deficit: Government revenue (mainly taxes and non-tax revenue like PETRONAS dividends) is often insufficient to cover the high volume of operating expenditure, which includes the enormous subsidy bill. This shortfall leads to a budget (fiscal) deficit. For instance, some analysts note that government revenue is barely enough to cover just the operating expenditure, meaning almost all development expenditure (and any shortfall in operating expenditure) must be financed by debt.
2. The Debt Financing Mechanism
When the government runs a fiscal deficit, it must finance the gap between its spending (including subsidies) and its revenue by borrowing money. This is the direct link between the subsidy burden and the national debt.
• Issuing Debt: The government primarily borrows by issuing fixed-income instruments, mainly Malaysian Government Securities (MGS) and Malaysian Government Investment Issues (MGII), which are sovereign bonds and Islamic bonds (sukuk), respectively.
• Growth of National Debt: Persistent deficits, driven in part by subsidies and large development projects, cause the total Federal Government debt to accumulate. The debt-to-GDP ratio has steadily risen over the years and remains a major concern for fiscal sustainability.
• Debt Service Charges (DSC): The consequence of high debt is a high cost of servicing that debt (paying the interest). DSC is a legally mandated, non-discretionary expenditure and is a significant drain on the budget. For example, DSC has been budgeted in the tens of billions of Ringgit annually. This figure is often larger than the total budget for certain critical sectors, such as personal income tax collection.
3. The Vicious Cycle and Crowding Out
The burden of debt creates a constraint on the government's ability to finance future subsidies and other crucial public services, forming a negative feedback loop:
High Subsidy Cost⟹Large Fiscal Deficit⟹Increased Borrowing⟹Higher National Debt⟹Higher Debt Service Charges⟹Reduced Fiscal Space for Future Spending (including necessary subsidies)
• Reduced Fiscal Space: The large, unavoidable DSC "crowds out" the ability of the government to spend on more productive or necessary areas. Every Ringgit spent on interest payments is a Ringgit that cannot be spent on targeted welfare, education, or healthcare, or to maintain necessary subsidies for the truly poor.
• Sustainability Risk: Continuously borrowing to fund consumption (like universal subsidies) rather than productive investments is fiscally unsustainable and signals a weak financial position to credit rating agencies.
KLAIM KAYA CASH = LOAN FOR SUBSIDI BBM
HapusMalondesh bisa membiayai subsidi dengan hutang negara:
1. Anggaran Pemerintah dan Defisit:
• Anggaran Tahunan: Setiap tahun, pemerintah Malondesh menyusun anggaran yang menguraikan perkiraan pendapatan dan pengeluaran. Subsidi adalah salah satu komponen pengeluaran yang signifikan, meliputi subsidi bahan bakar, listrik, makanan, dan lain-lain.
• Defisit Anggaran: Jika total pengeluaran melebihi total pendapatan yang diperkirakan, pemerintah mengalami defisit anggaran. Untuk menutupi defisit ini, pemerintah harus mencari sumber pendanaan tambahan.
2. Mekanisme Pembiayaan Defisit (dan Subsidi):
Ketika pemerintah memutuskan untuk memberikan subsidi tetapi tidak memiliki cukup uang tunai dari pendapatan saat ini, mereka akan meminjam. Berikut adalah cara-cara utama:
• Penerbitan Obligasi Pemerintah:
o Apa itu Obligasi? Obligasi adalah surat hutang yang diterbitkan oleh pemerintah untuk meminjam uang dari investor (individu, institusi keuangan, bank, dll.). Investor membeli obligasi ini dengan janji akan menerima pembayaran bunga secara berkala dan pengembalian pokok pada saat jatuh tempo.
o Bagaimana Terkait Subsidi? Dana yang terkumpul dari penjualan obligasi ini kemudian dapat digunakan untuk mendanai berbagai program pemerintah, termasuk pembayaran subsidi. Ini secara efektif berarti pemerintah meminjam uang untuk membayar subsidi, dan pinjaman ini menjadi bagian dari hutang negara.
o Contoh di Malondesh: Malondesh secara rutin menerbitkan obligasi pemerintah seperti Malondeshn Government Securities (MGS) dan Malondeshn Government Investment Issues (MGII) untuk membiayai pengeluaran dan proyek pembangunan.
• Pinjaman dari Lembaga Keuangan:
o Pemerintah juga dapat meminjam langsung dari bank domestik atau lembaga keuangan internasional (misalnya, Bank Dunia, Asian Development Bank), meskipun ini kurang umum untuk pembiayaan subsidi rutin dan lebih sering untuk proyek-proyek besar atau saat krisis.
3. Dampak terhadap Hutang Negara:
• Peningkatan Hutang: Setiap kali pemerintah meminjam uang untuk membiayai subsidi (atau pengeluaran lain), jumlah total hutang negara akan meningkat.
• Beban Bunga: Peningkatan hutang berarti pemerintah juga harus membayar bunga atas pinjaman tersebut. Pembayaran bunga ini menjadi pengeluaran tahunan dalam anggaran pemerintah, yang berarti sebagian dari pendapatan negara harus dialokasikan untuk membayar bunga hutang daripada untuk program lain.
• Risiko Fiskal: Jika rasio hutang terhadap PDB menjadi terlalu tinggi atau jika beban bunga menjadi tidak berkelanjutan, ini dapat menimbulkan risiko fiskal bagi negara, seperti:
o Penurunan Peringkat Kredit: Lembaga pemeringkat kredit dapat menurunkan peringkat kredit negara, yang membuat biaya pinjaman di masa depan menjadi lebih mahal.
o Tekanan Inflasi: Jika pemerintah mencetak uang untuk membayar hutang (meskipun jarang terjadi di Malondesh), ini bisa menyebabkan inflasi.
o Pembatasan Pilihan Kebijakan: Bagian anggaran yang besar dialokasikan untuk pembayaran hutang, membatasi kemampuan pemerintah untuk berinvestasi dalam pendidikan, infrastruktur, atau layanan penting lainnya.
Contoh Kasus Malondesh:
Malondesh memiliki kebijakan subsidi untuk bahan bakar. Fluktuasi harga minyak dunia seringkali mempengaruhi besarnya anggaran subsidi. Ketika harga minyak global tinggi, biaya subsidi pemerintah juga meningkat drastis. Jika peningkatan pendapatan dari ekspor minyak (jika ada) tidak cukup untuk menutupi biaya subsidi yang lebih tinggi, pemerintah mungkin akan menggunakan pinjaman untuk membiayai kesenjangan tersebut.
---------------
KLAIM KAYA CASH = LOAN
• UTANG PEMERINTAH FEDERAL PER KAPITA: RM 36,139
• UTANG RUMAH TANGGA PER KAPITA: RM 45,859
KLAIM KAYA CASH = LOAN FOR SUBSIDI BBM
HapusMalondesh bisa membiayai subsidi dengan hutang negara:
1. Anggaran Pemerintah dan Defisit:
• Anggaran Tahunan: Setiap tahun, pemerintah Malondesh menyusun anggaran yang menguraikan perkiraan pendapatan dan pengeluaran. Subsidi adalah salah satu komponen pengeluaran yang signifikan, meliputi subsidi bahan bakar, listrik, makanan, dan lain-lain.
• Defisit Anggaran: Jika total pengeluaran melebihi total pendapatan yang diperkirakan, pemerintah mengalami defisit anggaran. Untuk menutupi defisit ini, pemerintah harus mencari sumber pendanaan tambahan.
2. Mekanisme Pembiayaan Defisit (dan Subsidi):
Ketika pemerintah memutuskan untuk memberikan subsidi tetapi tidak memiliki cukup uang tunai dari pendapatan saat ini, mereka akan meminjam. Berikut adalah cara-cara utama:
• Penerbitan Obligasi Pemerintah:
o Apa itu Obligasi? Obligasi adalah surat hutang yang diterbitkan oleh pemerintah untuk meminjam uang dari investor (individu, institusi keuangan, bank, dll.). Investor membeli obligasi ini dengan janji akan menerima pembayaran bunga secara berkala dan pengembalian pokok pada saat jatuh tempo.
o Bagaimana Terkait Subsidi? Dana yang terkumpul dari penjualan obligasi ini kemudian dapat digunakan untuk mendanai berbagai program pemerintah, termasuk pembayaran subsidi. Ini secara efektif berarti pemerintah meminjam uang untuk membayar subsidi, dan pinjaman ini menjadi bagian dari hutang negara.
o Contoh di Malondesh: Malondesh secara rutin menerbitkan obligasi pemerintah seperti Malondeshn Government Securities (MGS) dan Malondeshn Government Investment Issues (MGII) untuk membiayai pengeluaran dan proyek pembangunan.
• Pinjaman dari Lembaga Keuangan:
o Pemerintah juga dapat meminjam langsung dari bank domestik atau lembaga keuangan internasional (misalnya, Bank Dunia, Asian Development Bank), meskipun ini kurang umum untuk pembiayaan subsidi rutin dan lebih sering untuk proyek-proyek besar atau saat krisis.
3. Dampak terhadap Hutang Negara:
• Peningkatan Hutang: Setiap kali pemerintah meminjam uang untuk membiayai subsidi (atau pengeluaran lain), jumlah total hutang negara akan meningkat.
• Beban Bunga: Peningkatan hutang berarti pemerintah juga harus membayar bunga atas pinjaman tersebut. Pembayaran bunga ini menjadi pengeluaran tahunan dalam anggaran pemerintah, yang berarti sebagian dari pendapatan negara harus dialokasikan untuk membayar bunga hutang daripada untuk program lain.
• Risiko Fiskal: Jika rasio hutang terhadap PDB menjadi terlalu tinggi atau jika beban bunga menjadi tidak berkelanjutan, ini dapat menimbulkan risiko fiskal bagi negara, seperti:
o Penurunan Peringkat Kredit: Lembaga pemeringkat kredit dapat menurunkan peringkat kredit negara, yang membuat biaya pinjaman di masa depan menjadi lebih mahal.
o Tekanan Inflasi: Jika pemerintah mencetak uang untuk membayar hutang (meskipun jarang terjadi di Malondesh), ini bisa menyebabkan inflasi.
o Pembatasan Pilihan Kebijakan: Bagian anggaran yang besar dialokasikan untuk pembayaran hutang, membatasi kemampuan pemerintah untuk berinvestasi dalam pendidikan, infrastruktur, atau layanan penting lainnya.
Contoh Kasus Malondesh:
Malondesh memiliki kebijakan subsidi untuk bahan bakar. Fluktuasi harga minyak dunia seringkali mempengaruhi besarnya anggaran subsidi. Ketika harga minyak global tinggi, biaya subsidi pemerintah juga meningkat drastis. Jika peningkatan pendapatan dari ekspor minyak (jika ada) tidak cukup untuk menutupi biaya subsidi yang lebih tinggi, pemerintah mungkin akan menggunakan pinjaman untuk membiayai kesenjangan tersebut.
---------------
KLAIM KAYA CASH = LOAN
• UTANG PEMERINTAH FEDERAL PER KAPITA: RM 36,139
• UTANG RUMAH TANGGA PER KAPITA: RM 45,859
KLAIM KAYA CASH = LOAN FA50
Hapus1. KEXIM (Export-Import Bank of Korea): This is South Korea's official export credit agency. KEXIM's primary mission is to support South Korean companies in their international business ventures, including large-scale projects and defense exports. They offer a range of financial products, including direct loans, guarantees, and insurance, specifically tailored for export transactions. For a significant deal like fighter jet sales, KEXIM would be the most prominent institution to provide or back such credit. Their involvement signals a strategic government interest in facilitating the export.
2. Korean Banks (Commercial Banks): Alongside KEXIM, various commercial banks in South Korea could also be involved. These banks might provide financing themselves, often with guarantees from KEXIM, or participate in syndicates (groups of banks) to share the risk of large loans. Their participation typically indicates confidence in the project's viability and the buyer's creditworthiness, possibly enhanced by KEXIM's backing.
Why are these arrangements important for FA-50M sales?
• Affordability for Buyers: Fighter jets are incredibly expensive. Export credits make these purchases more affordable for nations by spreading the cost over several years, often with favorable interest rates and repayment terms compared to purely commercial loans. This is particularly attractive for developing nations or those with limited defense budgets.
• Competitive Advantage for KAI: In the global defense market, competition is fierce. Offering attractive financing packages can be a significant differentiator for an exporter like KAI. A country might choose the FA-50M over a competing aircraft if the financing terms are more favorable, even if the outright purchase price is similar.
• Risk Mitigation: These arrangements mitigate financial risks for KAI. KEXIM's involvement, especially through guarantees or direct loans, assures KAI that they will be paid, reducing concerns about the buyer's ability to fulfill their financial obligations.
• Government-to-Government Relations: Such deals often involve broader government-to-government cooperation. The South Korean government, through KEXIM, signals its commitment to the purchasing nation, fostering stronger diplomatic and economic ties.
• Stimulating Domestic Industry: By facilitating exports, these credits support South Korea's aerospace and defense industry, sustaining jobs, encouraging technological development, and enhancing national capabilities.
Lack of Full Disclosure
The statement "though details aren’t fully disclosed" is typical for defense contracts, especially regarding financial terms. Reasons for this lack of transparency often include:
• Commercial Sensitivity: Both KAI and the purchasing nation might consider the specific financial terms (e.g., interest rates, repayment schedules, guarantee amounts) to be proprietary business information that could affect future negotiations.
• National Security: Details about defense procurements can be sensitive for national security reasons in both the exporting and importing countries.
• Negotiation Flexibility: Keeping some details private allows for more flexibility in future negotiations or modifications to the contract.
• Political Considerations: In some cases, governments may prefer not to disclose the full financial burden or the extent of foreign financial support for defense acquisitions to their domestic populations.
KLAIM KAYA CASH = LOAN
Hapus1. DENDA= US$83,8 juta
Seperti dikutip The Edge Malondesh (19/9/2025), Kontraktor pertahanan Aerotree Defence and Services Sdn Bhd telah mengajukan gugatan sebesar RM353 juta (US$83,8 juta) terhadap pemerintah dan Kementerian Pertahanan Malondesh atas pembatalan perjanjian sewa lima tahun
-------------
2. SKANDAL KAPAL TEMPUR PESISIR (LITTORAL COMBAT SHIP/LCS)
Ini adalah salah satu skandal pengadaan militer terbesar dan paling kontroversial di Malondesh.
• Proyek: Pengadaan enam kapal tempur pesisir untuk Angkatan Laut Kerajaan Malondesh (Royal Malondeshn Navy/RMN).
• Nilai Proyek: Kontrak senilai RM9 miliar (sekitar US$2 miliar) ditandatangani pada tahun 2011.
• Masalah Utama:
a. Tidak ada kapal yang selesai: Meskipun pemerintah telah membayar lebih dari RM6 miliar, hingga kini belum ada satu pun dari enam kapal yang selesai dan dikirimkan.
b. Penyalahgunaan dana: Laporan investigasi menemukan adanya dugaan penyalahgunaan dana, pembayaran yang tidak semestinya, dan penggelembungan harga (mark-up). Dana yang seharusnya digunakan untuk proyek justru digunakan untuk tujuan lain.
c. Politik dan korupsi: Skandal ini menyeret sejumlah nama pejabat tinggi, termasuk mantan menteri pertahanan, yang diduga terlibat dalam praktik korupsi dan nepotisme.
-------------
3. SKANDAL KAPAL SELAM SCORPENE
Skandal ini telah menjadi berita utama selama bertahun-tahun, bahkan melibatkan pengadilan di Prancis.
• Proyek: Pembelian dua kapal selam kelas Scorpene dari perusahaan Prancis, DCNS (sekarang Naval Group), pada tahun 2002.
• Nilai Proyek: Sekitar RM5,4 miliar.
• Masalah Utama:
a. Komisi besar-besaran: Terdapat dugaan pembayaran komisi sebesar 114 juta Euro kepada sebuah perusahaan yang terkait dengan pejabat senior Malondesh.
b. Kasus pembunuhan: Skandal ini juga terkait dengan pembunuhan seorang penerjemah wanita asal Mongolia, Altantuya Shaariibuu, yang diduga memiliki informasi terkait kontrak tersebut. Kasus ini telah menjadi salah satu babak tergelap dalam sejarah politik Malondesh.
-------------
4. KONTROVERSI PENGADAAN JET TEMPUR A-4 SKYHAWK
Kasus ini sering diangkat kembali, termasuk oleh Raja Malondesh sendiri, sebagai contoh kegagalan pengadaan di masa lalu.
• Proyek: Pembelian 88 unit jet tempur A-4 Skyhawk bekas dari Amerika Serikat pada tahun 1980-an.
• Masalah Utama:
a. Kondisi buruk: Dari 88 unit yang dibeli, hanya sekitar 40 unit yang bisa digunakan dan sisanya dianggap tidak layak terbang.
b. Tingkat kecelakaan tinggi: Jet-jet yang dioperasikan mengalami tingkat kecelakaan yang tinggi, membahayakan nyawa pilot, dan akhirnya dipensiunkan. Raja Malondesh menyebutnya sebagai "peti mati terbang" (flying coffin), istilah yang juga digunakan untuk mengkritik rencana pengadaan helikopter Black Hawk yang usianya sudah tua.
-------------
5. SKANDAL PENCURIAN MESIN PESAWAT TEMPUR F-5E
Kasus ini adalah salah satu contoh nyata kelemahan dalam pengawasan aset militer.
• Kasus: Hilangnya dua mesin pesawat tempur Northrop F-5E milik Angkatan Udara Kerajaan Malondesh (RMAF) senilai sekitar US$29 juta.
• Masalah Utama: Investigasi mengungkapkan bahwa mesin-mesin tersebut telah dicuri dari pangkalan militer dan kemudian dijual kepada perusahaan di Amerika Selatan. Insiden ini tidak hanya menunjukkan adanya pencurian internal, tetapi juga dugaan keterlibatan oknum pejabat militer. Mantan Kepala Angkatan Bersenjata Malondesh bahkan mengakui bahwa kasus ini hanyalah puncak dari skandal korupsi yang lebih besar terkait peralatan militer.
-------------
6. KRITIK PENGADAAN HOWITZER
Pengadaan senjata berat ini juga menjadi sorotan tajam dari kalangan oposisi.
• Proyek: Rencana pembelian howitzer senilai hampir RM1 miliar (sekitar US$212 juta).
• Masalah Utama: Seorang anggota parlemen oposisi menuduh bahwa kontrak tersebut akan diberikan melalui negosiasi langsung, bukan tender terbuka, kepada perusahaan yang baru berdiri dua tahun dan tidak memiliki pengalaman di industri pertahanan..
KLAIM KAYA CASH = LOAN
Hapus1. DENDA= US$83,8 juta
Seperti dikutip The Edge Malondesh (19/9/2025), Kontraktor pertahanan Aerotree Defence and Services Sdn Bhd telah mengajukan gugatan sebesar RM353 juta (US$83,8 juta) terhadap pemerintah dan Kementerian Pertahanan Malondesh atas pembatalan perjanjian sewa lima tahun
-------------
2. SKANDAL KAPAL TEMPUR PESISIR (LITTORAL COMBAT SHIP/LCS)
Ini adalah salah satu skandal pengadaan militer terbesar dan paling kontroversial di Malondesh.
• Proyek: Pengadaan enam kapal tempur pesisir untuk Angkatan Laut Kerajaan Malondesh (Royal Malondeshn Navy/RMN).
• Nilai Proyek: Kontrak senilai RM9 miliar (sekitar US$2 miliar) ditandatangani pada tahun 2011.
• Masalah Utama:
a. Tidak ada kapal yang selesai: Meskipun pemerintah telah membayar lebih dari RM6 miliar, hingga kini belum ada satu pun dari enam kapal yang selesai dan dikirimkan.
b. Penyalahgunaan dana: Laporan investigasi menemukan adanya dugaan penyalahgunaan dana, pembayaran yang tidak semestinya, dan penggelembungan harga (mark-up). Dana yang seharusnya digunakan untuk proyek justru digunakan untuk tujuan lain.
c. Politik dan korupsi: Skandal ini menyeret sejumlah nama pejabat tinggi, termasuk mantan menteri pertahanan, yang diduga terlibat dalam praktik korupsi dan nepotisme.
-------------
3. SKANDAL KAPAL SELAM SCORPENE
Skandal ini telah menjadi berita utama selama bertahun-tahun, bahkan melibatkan pengadilan di Prancis.
• Proyek: Pembelian dua kapal selam kelas Scorpene dari perusahaan Prancis, DCNS (sekarang Naval Group), pada tahun 2002.
• Nilai Proyek: Sekitar RM5,4 miliar.
• Masalah Utama:
a. Komisi besar-besaran: Terdapat dugaan pembayaran komisi sebesar 114 juta Euro kepada sebuah perusahaan yang terkait dengan pejabat senior Malondesh.
b. Kasus pembunuhan: Skandal ini juga terkait dengan pembunuhan seorang penerjemah wanita asal Mongolia, Altantuya Shaariibuu, yang diduga memiliki informasi terkait kontrak tersebut. Kasus ini telah menjadi salah satu babak tergelap dalam sejarah politik Malondesh.
-------------
4. KONTROVERSI PENGADAAN JET TEMPUR A-4 SKYHAWK
Kasus ini sering diangkat kembali, termasuk oleh Raja Malondesh sendiri, sebagai contoh kegagalan pengadaan di masa lalu.
• Proyek: Pembelian 88 unit jet tempur A-4 Skyhawk bekas dari Amerika Serikat pada tahun 1980-an.
• Masalah Utama:
a. Kondisi buruk: Dari 88 unit yang dibeli, hanya sekitar 40 unit yang bisa digunakan dan sisanya dianggap tidak layak terbang.
b. Tingkat kecelakaan tinggi: Jet-jet yang dioperasikan mengalami tingkat kecelakaan yang tinggi, membahayakan nyawa pilot, dan akhirnya dipensiunkan. Raja Malondesh menyebutnya sebagai "peti mati terbang" (flying coffin), istilah yang juga digunakan untuk mengkritik rencana pengadaan helikopter Black Hawk yang usianya sudah tua.
-------------
5. SKANDAL PENCURIAN MESIN PESAWAT TEMPUR F-5E
Kasus ini adalah salah satu contoh nyata kelemahan dalam pengawasan aset militer.
• Kasus: Hilangnya dua mesin pesawat tempur Northrop F-5E milik Angkatan Udara Kerajaan Malondesh (RMAF) senilai sekitar US$29 juta.
• Masalah Utama: Investigasi mengungkapkan bahwa mesin-mesin tersebut telah dicuri dari pangkalan militer dan kemudian dijual kepada perusahaan di Amerika Selatan. Insiden ini tidak hanya menunjukkan adanya pencurian internal, tetapi juga dugaan keterlibatan oknum pejabat militer. Mantan Kepala Angkatan Bersenjata Malondesh bahkan mengakui bahwa kasus ini hanyalah puncak dari skandal korupsi yang lebih besar terkait peralatan militer.
-------------
6. KRITIK PENGADAAN HOWITZER
Pengadaan senjata berat ini juga menjadi sorotan tajam dari kalangan oposisi.
• Proyek: Rencana pembelian howitzer senilai hampir RM1 miliar (sekitar US$212 juta).
• Masalah Utama: Seorang anggota parlemen oposisi menuduh bahwa kontrak tersebut akan diberikan melalui negosiasi langsung, bukan tender terbuka, kepada perusahaan yang baru berdiri dua tahun dan tidak memiliki pengalaman di industri pertahanan..
KLAIM KAYA CASH = LOAN
HapusDENDA= US$83,8 juta
• RM17.5 million in special damages
• RM38.7 million in further damages
• US$38.7 million (about RM297.3 million) in additional compensation
-------------
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
• US$38.7 million (about RM297.3 million) in additional compensation
Aerotree is also seeking to block the government from using a RM1.87 million bank guarantee it provided, and is asking for general damages for loss of reputation, plus exemplary and aggravated damages to be decided by the court.
In its 31-page claim, Aerotree said the government had agreed to lease four Blackhawk helicopters for five years at RM187.5 million. The deal was a Private Finance Initiative, meaning the government wouldn’t bear any cost or risk, as Aerotree would own, operate, and maintain the helicopters. The company said the helicopters were fully mission-capable, including for air force transport operations.
Aerotree is seeking a court declaration that the government’s termination of the agreement on Oct 31, 2024, is null and void.
-----------------
Helicopter deal timeline and delays
Under the agreement, Aerotree was to deliver two helicopters within six months of the April 2023 acceptance letter, and the remaining two within nine months. The company also had to provide a non-cancellable RM1.87 million implementation bond, which it secured from Perwira Affin Bank in June 2023.
Aerotree was also required to run a training and industrial collaboration programme. For this, it requested access to the Kuantan Air Force base to prepare a maintenance manual and obtain certification as an Approved Maintenance Organisation.
In July 2023, Aerotree signed a deal with Turkey’s Havelsan for Blackhawk simulator training for 14 RMAF pilots. The following month, it signed a sales agreement with Slovakia’s Training Academy to purchase and upgrade four Blackhawk helicopters.
Due to technical modifications, pilot training, and delays caused by the Russia-Ukraine conflict, Aerotree requested three extensions — up to Oct 30, 2024 — for the helicopter deliveries. However, penalties for late delivery (LAD) still applied.
Aerotree claimed the Defence Ministry and government failed to assist it in securing a loan from SME Bank, which was going through a board restructuring. A change in the Defence Minister further delayed necessary documents for loan approval. Despite this, the loan was approved but the company had yet to receive the deed of trust letter from the ministry so that the first payment could be made.
The company said the government was aware of the reasons behind the delays but imposed unfair extension conditions that made it harder for Aerotree to complete the deal, ultimately setting the company up to fail.
-----------------
Allegations of unfair termination
On Oct 31, 2024, Aerotree Defence received a termination letter from the Defence Ministry for failing to deliver four Blackhawk helicopters as agreed.
Aerotree appealed the termination, saying the helicopters were already registered with the US Department of State and were awaiting approval under the International Traffic in Arms Regulations (ITAR), which is required before shipment to Malondesh.
KLAIM KAYA CASH = LOAN BARTER
Hapus-------------
Barter & Hutang Pengadaan Alutsista Malondesh
1. Kapal Selam Scorpene
• Skema: Loan agreement + offset industri
• Detail:
a. Dibeli dari Naval Group (Prancis) dengan nilai sekitar RM 3.4 miliar.
b. Pembayaran dilakukan melalui pinjaman luar negeri (PLN) yang disetujui oleh Kementerian Keuangan Malondesh.
c. Termasuk offset berupa pelatihan awak, pembangunan fasilitas, dan kerja sama dengan PT PAL2.
-----------------
2. Kapal LCS (Littoral Combat Ship)
• Skema: Loan agreement + milestone payment
• Detail:
a. Proyek LCS melibatkan Boustead Naval Shipyard (BNS) dan Thales.
b. Pembayaran dilakukan bertahap sesuai progres pembangunan.
c. Menggunakan pinjaman dalam negeri dan luar negeri, namun proyek ini mengalami keterlambatan dan audit karena masalah manajemen.
-----------------
3. Kapal NGPV (New Generation Patrol Vessel)
• Skema: Loan agreement + offset lokal
• Detail:
a. Dipesan dari BNS dengan desain MEKO A-100 dari Jerman.
b. Pembayaran dilakukan melalui pinjaman pemerintah dan milestone kontrak.
c. Offset berupa pembangunan galangan kapal dan pelatihan teknisi lokal.
-----------------
4. Tank PT-91M Pendekar
• Skema: Loan agreement bilateral
• Detail:
a. Dibeli dari Polandia dengan nilai sekitar USD 370 juta.
b. Pembayaran dilakukan melalui pinjaman bilateral antara pemerintah Malondesh dan Polandia.
c. Termasuk pelatihan awak dan dukungan teknis dari Bumar Labedy.
-----------------
6. Pesawat FA-50M
• Skema: Loan agreement + offset industri
• Detail:
a. Malondesh menandatangani kontrak dengan Korea Aerospace Industries (KAI).
b. Pembayaran dilakukan melalui pinjaman luar negeri dan milestone pengiriman.
c. Offset berupa pelatihan pilot dan teknisi serta kerja sama industri dirgantara.
π Tabel Ringkasan Skema Pembayaran
Alutsista Skema Pembayaran Hutang
Scorpene Loan agreement + offset ✅
Kapal LCS Loan + milestone ✅
Kapal NGPV Loan + offset ✅
Tank PT-91M Loan bilateral ✅
FA-50M Loan + offset ✅
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BAYAR RM 81,998 = DIPERAS KERAJAAN
HapusGOV + PEOPLE : OVERLIMIT DEBT
--------------------
FEDERAL GOVERNMENT DEBT = PER PEOPLE : RM 36,139
HOUSEHOLD DEBT = PER PEOPLE : RM 45,859.
GOV + HOUSEHOLD = PER PEOPLE : RM 81,998
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang akhir 2024: RM 1.25 triliun
• Utang akhir Juni 2025: RM 1.30 triliun
• Jumlah penduduk Malondesh 2025 (perkiraan pertengahan tahun): 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
1.30 triliun = 1,300,000,000,000
Per Orang = 1,300,000,000,000/35,977,838 : RM 36,139 per orang
3️⃣ Ringkasan dalam tabel
Periode Total Utang (RM Triliun) Penduduk (Jiwa) Utang per Orang (RM) Kenaikan per Orang (RM)
Akhir 2024 1.25 35,977,838 34,735 –
Juni 2025 1.30 35,977,838 36,139 +1,404
4️⃣ Analisis
• Dalam 6 bulan pertama 2025, utang per penduduk naik sekitar RM 1,404.
• Kenaikan ini setara dengan +4% dibanding akhir 2024.
• Artinya, setiap warga Malondesh secara rata-rata “menanggung” tambahan utang sekitar RM 234 per bulan selama periode tersebut.
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang rumah tangga (akhir Maret 2025): RM 1.65 triliun
• Persentase terhadap PDB: 84.3%
• Jumlah penduduk Malondesh pertengahan 2025: 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
Utang per orang =1,650,000,000,000/35,977,838 : RM 45,859 per orang
3️⃣ Ringkasan dalam tabel
Periode Total Utang Rumah Tangga (RM Triliun) Penduduk (Jiwa) Utang per Orang (RM)
Maret 2025 1.65 35,977,838 45,859
4️⃣ Analisis
• Setiap penduduk Malondesh, secara rata-rata, “menanggung” utang rumah tangga sekitar RM 45,859.
• Angka ini lebih tinggi dibanding utang per kapita pemerintah federal yang kita hitung sebelumnya (sekitar RM 36 ribu per orang).
• Jika digabungkan (utang pemerintah + utang rumah tangga), beban utang total per kapita bisa mendekati RM 82 ribu.
• Rasio 84.3% dari PDB menunjukkan bahwa utang rumah tangga Malondesh relatif tinggi dibanding ukuran ekonominya, yang dapat memengaruhi daya beli dan risiko keuangan rumah tangga jika suku bunga naik.
--------------------
2025 CUT SUBSIDIES FOR HEALTHCARE
2025 CUT SUBSIDIES FOR HEALTHCARE
2025 CUT SUBSIDIES FOR HEALTHCARE
MAID OF LONDON (MALON) 's 2025 budget includes plans to cut subsidies for healthcare, but also includes funding for upgrades and targeted subsidies. The goal is to improve healthcare access and quality, while also reducing the fiscal deficit.
Budget cuts
• Targeted subsidies
The government will end universal healthcare and instead offer targeted subsidies for healthcare.
• Fees
High-income families and individuals will pay more for healthcare services.
Budget allocations
• Ministry of Health: The Ministry of Health (MOH) received RM45.3 billion in 2025, a 9.8% increase from 2024.
• Sarawak Cancer Centre: RM1 billion was allocated for the Sarawak Cancer Centre.
• Hospital upgrades: Funding was allocated for upgrades to hospitals across MAID OF LONDON (MALON) .
• Targeted subsidies: Targeted subsidies will be offered to improve healthcare access, particularly for marginalized communities.
Other social sector priorities
The budget also includes allocations for education and social welfare. The goal is to improve the quality of life and public services.
BAYAR RM 81,998 = DIPERAS KERAJAAN
HapusGOV + PEOPLE : OVERLIMIT DEBT
--------------------
FEDERAL GOVERNMENT DEBT = PER PEOPLE : RM 36,139
HOUSEHOLD DEBT = PER PEOPLE : RM 45,859.
GOV + HOUSEHOLD = PER PEOPLE : RM 81,998
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang akhir 2024: RM 1.25 triliun
• Utang akhir Juni 2025: RM 1.30 triliun
• Jumlah penduduk Malondesh 2025 (perkiraan pertengahan tahun): 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
1.30 triliun = 1,300,000,000,000
Per Orang = 1,300,000,000,000/35,977,838 : RM 36,139 per orang
3️⃣ Ringkasan dalam tabel
Periode Total Utang (RM Triliun) Penduduk (Jiwa) Utang per Orang (RM) Kenaikan per Orang (RM)
Akhir 2024 1.25 35,977,838 34,735 –
Juni 2025 1.30 35,977,838 36,139 +1,404
4️⃣ Analisis
• Dalam 6 bulan pertama 2025, utang per penduduk naik sekitar RM 1,404.
• Kenaikan ini setara dengan +4% dibanding akhir 2024.
• Artinya, setiap warga Malondesh secara rata-rata “menanggung” tambahan utang sekitar RM 234 per bulan selama periode tersebut.
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang rumah tangga (akhir Maret 2025): RM 1.65 triliun
• Persentase terhadap PDB: 84.3%
• Jumlah penduduk Malondesh pertengahan 2025: 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
Utang per orang =1,650,000,000,000/35,977,838 : RM 45,859 per orang
3️⃣ Ringkasan dalam tabel
Periode Total Utang Rumah Tangga (RM Triliun) Penduduk (Jiwa) Utang per Orang (RM)
Maret 2025 1.65 35,977,838 45,859
4️⃣ Analisis
• Setiap penduduk Malondesh, secara rata-rata, “menanggung” utang rumah tangga sekitar RM 45,859.
• Angka ini lebih tinggi dibanding utang per kapita pemerintah federal yang kita hitung sebelumnya (sekitar RM 36 ribu per orang).
• Jika digabungkan (utang pemerintah + utang rumah tangga), beban utang total per kapita bisa mendekati RM 82 ribu.
• Rasio 84.3% dari PDB menunjukkan bahwa utang rumah tangga Malondesh relatif tinggi dibanding ukuran ekonominya, yang dapat memengaruhi daya beli dan risiko keuangan rumah tangga jika suku bunga naik.
--------------------
RAISING NEW TAX = BUDGET DEFICIT
MAID OF LONDON (MALON) is raising taxes to reduce its budget deficit. The government is also cutting subsidies and reforming the tax system to make it more progressive.
New taxes
• Dividend tax: A 2% tax on individual dividend income for high earners
• Excise duties: Higher excise duties on sugary drinks
• Sales and service tax: Expanded scope of the sales and service tax (SST)
• Carbon tax: A new tax on carbon emissions
• Sugar duties: Higher duties on sugar
• Unhealthy food tax: A tax on unhealthy foods
• Inheritance tax: A tax on inheritance
• High-value goods tax (HVGT): A tax on high-value goods
• Artificial Intelligence (AI) tax: A tax on AI
Subsidy cuts Reduced subsidies for electricity since 2023, Diesel subsidy reforms in June
MISKIN BAYAR RM 81,998 = DIPERAS NEGARA
HapusGOV + PEOPLE : OVERLIMIT DEBT
--------------------
FEDERAL GOVERNMENT DEBT = PER PEOPLE : RM 36,139
HOUSEHOLD DEBT = PER PEOPLE : RM 45,859.
GOV + HOUSEHOLD = PER PEOPLE : RM 81,998
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang akhir 2024: RM 1.25 triliun
• Utang akhir Juni 2025: RM 1.30 triliun
• Jumlah penduduk Malondesh 2025 (perkiraan pertengahan tahun): 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
1.30 triliun = 1,300,000,000,000
Per Orang = 1,300,000,000,000/35,977,838 : RM 36,139 per orang
3️⃣ Ringkasan dalam tabel
Periode Total Utang (RM Triliun) Penduduk (Jiwa) Utang per Orang (RM) Kenaikan per Orang (RM)
Akhir 2024 1.25 35,977,838 34,735 –
Juni 2025 1.30 35,977,838 36,139 +1,404
4️⃣ Analisis
• Dalam 6 bulan pertama 2025, utang per penduduk naik sekitar RM 1,404.
• Kenaikan ini setara dengan +4% dibanding akhir 2024.
• Artinya, setiap warga Malondesh secara rata-rata “menanggung” tambahan utang sekitar RM 234 per bulan selama periode tersebut.
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang rumah tangga (akhir Maret 2025): RM 1.65 triliun
• Persentase terhadap PDB: 84.3%
• Jumlah penduduk Malondesh pertengahan 2025: 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
Utang per orang =1,650,000,000,000/35,977,838 : RM 45,859 per orang
3️⃣ Ringkasan dalam tabel
Periode Total Utang Rumah Tangga (RM Triliun) Penduduk (Jiwa) Utang per Orang (RM)
Maret 2025 1.65 35,977,838 45,859
4️⃣ Analisis
• Setiap penduduk Malondesh, secara rata-rata, “menanggung” utang rumah tangga sekitar RM 45,859.
• Angka ini lebih tinggi dibanding utang per kapita pemerintah federal yang kita hitung sebelumnya (sekitar RM 36 ribu per orang).
• Jika digabungkan (utang pemerintah + utang rumah tangga), beban utang total per kapita bisa mendekati RM 82 ribu.
• Rasio 84.3% dari PDB menunjukkan bahwa utang rumah tangga Malondesh relatif tinggi dibanding ukuran ekonominya, yang dapat memengaruhi daya beli dan risiko keuangan rumah tangga jika suku bunga naik.
--------------------
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
• End of March 2025: RM 1.65 trillion or 84.3% of GDP
=============
MISKIN ......
DEBT MARCH 2025 = 1,65 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
Indon lebih mementingkan pembelian Alutsista dari kesejahteraan rakyat. π€£π€£π€£π€£
BalasHapusItu sebab 60% rakyat kamu MISKIN!
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MISKIN BAYAR RM 81,998 = DIPERAS NEGARA
HapusGOV + PEOPLE : OVERLIMIT DEBT
----------
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
• End of March 2025: RM 1.65 trillion or 84.3% of GDP
=============
MISKIN ......
DEBT MARCH 2025 = 1,65 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
===================
2024 = HUTANG BAYAR HUTANG
2024 = 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
2023 = HUTANG BAYAR HUTANG
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
• Rasio utang terhadap PDB MAID OF LONDON (MALON) pada tahun 2023 mencapai 64,3%
---
2022 = 52,4% HUTANG BAYAR HUTANG
2022 = 52,4% HUTANG BAYAR HUTANG
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
2021 = 50,4% HUTANG BAYAR HUTANG
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
2020 = 60% HUTANG BAYAR HUTANG
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
2019 = 59% HUTANG BAYAR HUTANG
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
2018 = OPEN DONASI
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 (US$ 250,8 miliar) atau 80 persen dari PDB
MISKIN BAYAR RM 81,998 = DIPERAS NEGARA
HapusGOV + PEOPLE : OVERLIMIT DEBT
----------
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
• End of March 2025: RM 1.65 trillion or 84.3% of GDP
=============
MISKIN ......
DEBT MARCH 2025 = 1,65 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
===================
2024 = HUTANG BAYAR HUTANG
2024 = 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
2023 = HUTANG BAYAR HUTANG
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
• Rasio utang terhadap PDB MAID OF LONDON (MALON) pada tahun 2023 mencapai 64,3%
---
2022 = 52,4% HUTANG BAYAR HUTANG
2022 = 52,4% HUTANG BAYAR HUTANG
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
2021 = 50,4% HUTANG BAYAR HUTANG
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
2020 = 60% HUTANG BAYAR HUTANG
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
2019 = 59% HUTANG BAYAR HUTANG
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
2018 = OPEN DONASI
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 (US$ 250,8 miliar) atau 80 persen dari PDB
MISKIN BAYAR RM 81,998 = DIPERAS NEGARA
HapusFEDERAL GOVERNMENT DEBT = PER PEOPLE : RM 36,139
HOUSEHOLD DEBT = PER PEOPLE : RM 45,859.
GOV + HOUSEHOLD = PER PEOPLE : RM 81,998
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang akhir 2024: RM 1.25 triliun
• Utang akhir Juni 2025: RM 1.30 triliun
• Jumlah penduduk Malondesh 2025 (perkiraan pertengahan tahun): 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
1.30 triliun = 1,300,000,000,000
Per Orang = 1,300,000,000,000/35,977,838 : RM 36,139 per orang
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang rumah tangga (akhir Maret 2025): RM 1.65 triliun
• Persentase terhadap PDB: 84.3%
• Jumlah penduduk Malondesh pertengahan 2025: 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
Utang per orang =1,650,000,000,000/35,977,838 : RM 45,859 per orang
-------------------
2025 = DEFICIT
BORROWED = RM 92.8 BILLION
BORROWED = RM 92.8 BILLION
BORROWED = 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
• END OF MARCH 2025: RM 1.65 TRILLION OR 84.3% OF GDP
=============
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 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.
==========
BANK NEGARA MAID OF LONDON (MALON) [BNM] =
DEBT HIGHEST IN THE ASEAN
DEBT HIGHEST IN THE ASEAN
DEBT HIGHEST IN THE ASEAN
MAID OF LONDON (MALON) 's 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)s.
MISKIN BAYAR RM 81,998 = DIPERAS NEGARA
HapusFEDERAL GOVERNMENT DEBT = PER PEOPLE : RM 36,139
HOUSEHOLD DEBT = PER PEOPLE : RM 45,859.
GOV + HOUSEHOLD = PER PEOPLE : RM 81,998
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang akhir 2024: RM 1.25 triliun
• Utang akhir Juni 2025: RM 1.30 triliun
• Jumlah penduduk Malondesh 2025 (perkiraan pertengahan tahun): 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
1.30 triliun = 1,300,000,000,000
Per Orang = 1,300,000,000,000/35,977,838 : RM 36,139 per orang
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang rumah tangga (akhir Maret 2025): RM 1.65 triliun
• Persentase terhadap PDB: 84.3%
• Jumlah penduduk Malondesh pertengahan 2025: 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
Utang per orang =1,650,000,000,000/35,977,838 : RM 45,859 per orang
-------------------
2025 = DEFICIT
BORROWED = RM 92.8 BILLION
BORROWED = RM 92.8 BILLION
BORROWED = 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
• END OF MARCH 2025: RM 1.65 TRILLION OR 84.3% OF GDP
=============
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 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.
==========
BANK NEGARA MAID OF LONDON (MALON) [BNM] =
DEBT HIGHEST IN THE ASEAN
DEBT HIGHEST IN THE ASEAN
DEBT HIGHEST IN THE ASEAN
MAID OF LONDON (MALON) 's 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)s.
LON... BAYAR RM 81,998 = BUAL JEEEE
HapusFEDERAL GOVERNMENT DEBT = PER PEOPLE : RM 36,139
HOUSEHOLD DEBT = PER PEOPLE : RM 45,859.
GOV + HOUSEHOLD = PER PEOPLE : RM 81,998
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang akhir 2024: RM 1.25 triliun
• Utang akhir Juni 2025: RM 1.30 triliun
• Jumlah penduduk Malondesh 2025 (perkiraan pertengahan tahun): 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
1.30 triliun = 1,300,000,000,000
Per Orang = 1,300,000,000,000/35,977,838 : RM 36,139 per orang
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang rumah tangga (akhir Maret 2025): RM 1.65 triliun
• Persentase terhadap PDB: 84.3%
• Jumlah penduduk Malondesh pertengahan 2025: 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
Utang per orang =1,650,000,000,000/35,977,838 : RM 45,859 per orang
-------------------
GOVERNMENT DEBT : 69% of GDP
HOUSEHOLD DEBT : 84.3% of GDP
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
• End of March 2025: RM 1.65 trillion or 84.3% of GDP
=============
MISKIN = MARCH 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.
=============
MISKIN ......
DEBT MARCH 2025 = 1,65 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
=============
TIDAK BAYAR DEBT
TIDAK BAYAR DEBT
TIDAK BAYAR DEBT
“Kalau dikira daripada peratus, (DEBT) 82 peratus daripada KDNK (Keluaran Dalam Negara Kasar) dan untuk DEBT kerajaan persekutuan sudah mencecah 60.4 peratus. “Ini bermakna bayaran khidmat DEBT banyak…hanya membayar faedah bukan bayar DEBT tertunggak,” kata Anwar lagi
π π π π π
LON... BAYAR RM 81,998 = BUAL JEEEE
HapusFEDERAL GOVERNMENT DEBT = PER PEOPLE : RM 36,139
HOUSEHOLD DEBT = PER PEOPLE : RM 45,859.
GOV + HOUSEHOLD = PER PEOPLE : RM 81,998
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang akhir 2024: RM 1.25 triliun
• Utang akhir Juni 2025: RM 1.30 triliun
• Jumlah penduduk Malondesh 2025 (perkiraan pertengahan tahun): 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
1.30 triliun = 1,300,000,000,000
Per Orang = 1,300,000,000,000/35,977,838 : RM 36,139 per orang
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang rumah tangga (akhir Maret 2025): RM 1.65 triliun
• Persentase terhadap PDB: 84.3%
• Jumlah penduduk Malondesh pertengahan 2025: 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
Utang per orang =1,650,000,000,000/35,977,838 : RM 45,859 per orang
-------------------
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
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
Catat diseblah ron 95, rm.2.05 akan 1.99
BalasHapus✅️Rupiah = rp.7800 seliter
✅️Dolar = $ 0.49
●disini Diesel Solar hanya rp. 6800, lebih MURAH JAUH dari kl
✅️Dolar= $ 0.47
✅️Rm= 1.98
https://finance.detik.com/energi/d-7990118/daftar-lengkap-harga-solar-hari-ini-di-semua-spbu
Diseblah solar negriπ°kasino genting tipe m, MAHALLLπ₯π₯
❌️Rm=2.93
❌️dolar=$ 0.70
https://ecentral.my/harga-minyak-petrol/
kahsiyan warganyet KTIPU LAGIII...
defisit tiap bulan, pmx tarik utang pulak Non stop haha!π₯Άππ₯Ά
Catat diseblah ron 95, rm.2.05 akan 1.99
BalasHapus✅️Rupiah = rp.7800 seliter
✅️Dolar = $ 0.49
●disini Diesel Solar hanya rp. 6800, lebih MURAH JAUH dari kl
✅️Dolar= $ 0.47
✅️Rm= 1.98
https://finance.detik.com/energi/d-7990118/daftar-lengkap-harga-solar-hari-ini-di-semua-spbu
Diseblah solar negriπ°kasino genting tipe m, MAHALLLπ₯π₯
❌️Rm=2.93
❌️dolar=$ 0.70
https://ecentral.my/harga-minyak-petrol/
kahsiyan warganyet KTIPU LAGIII...
defisit tiap bulan, pmx tarik utang pulak Non stop haha!π₯Άππ₯Ά
Yahooo.....
BalasHapusAku dpt petrol ron95 - RM1.99 seliter!
Indon tak dapat!
π€£π€£π€£π€£π€£π€£π€£
LON... BAYAR RM 81,998 = BUAL JEEEE
Hapus1. 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
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
=============
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
• END OF MARCH 2025: RM 1.65 TRILLION OR 84.3% OF GDP
=============
DEBT MARCH 2025 = 1,65 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
LON... BAYAR RM 81,998 = BUAL JEEEE
Hapus1. 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
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
=============
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
• END OF MARCH 2025: RM 1.65 TRILLION OR 84.3% OF GDP
=============
DEBT MARCH 2025 = 1,65 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
LON... BAYAR RM 81,998 = BUAL JEEEE
Hapus1. 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
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
=============
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
• END OF MARCH 2025: RM 1.65 TRILLION OR 84.3% OF GDP
=============
DEBT MARCH 2025 = 1,65 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
2025 =
HapusDEFICIT 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.
=============
GOV + PEOPLE HOBI HUTANG = OVERLIMIT DEBT
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
• End of March 2025: RM 1.65 trillion or 84.3% of GDP
=============
MISKIN ......
DEBT MARCH 2025 = 1,65 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
=============
2024 = HUTANG BAYAR HUTANG
2024 = 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
2023 = HUTANG BAYAR HUTANG
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
• Rasio utang terhadap PDB MAID OF LONDON (MALON) pada tahun 2023 mencapai 64,3%
---
2022 = 52,4% HUTANG BAYAR HUTANG
2022 = 52,4% HUTANG BAYAR HUTANG
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
2021 = 50,4% HUTANG BAYAR HUTANG
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
2020 = 60% HUTANG BAYAR HUTANG
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
2019 = 59% HUTANG BAYAR HUTANG
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
2018 = OPEN DONASI
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 (US$ 250,8 miliar) atau 80 persen dari PDB
LON... BAYAR RM 81,998 = BUAL JEEEE
HapusGOV + PEOPLE : OVERLIMIT DEBT
----------
2025 = DEFICIT
BORROWED = RM 92.8 BILLION
BORROWED = RM 92.8 BILLION
BORROWED = 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
• END OF MARCH 2025: RM 1.65 TRILLION OR 84.3% OF GDP
=============
DEBT MARCH 2025 = 1,65 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
=============
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
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
2025 =
HapusDEFICIT 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.
=============
π What Is a Fiscal Deficit?
A fiscal deficit occurs when a government’s expenditure exceeds its revenue. In Malondesh’s case for 2025:
• Government revenue: ~RM299.2 billion
• Government spending: ~RM392 billion
• Deficit: RM92.8 billion, or 3.8% of GDP
This means the government must borrow to cover the shortfall, adding to national debt.
π Why Is the Deficit RM92.8 Billion?
Originally, the 2025 budget tabled by Prime Minister Anwar Ibrahim projected a deficit of RM79.9 billion. However, it ballooned to RM92.8 billion due to:
• Overspending: Additional RM5 billion borrowed by Bank Negara Malondesh to cover rising costs
• Revenue shortfall: Tax and non-tax income lagged behind projections
• Debt servicing: RM96.7 billion was used just to repay maturing debts
• Subsidies and social programs: Continued support for fuel, food, and cash aid
⚠️ Risks and Implications
• Investor confidence: A bloated deficit may raise concerns about Malondesh’s fiscal discipline
• Currency pressure: A weaker ringgit could increase the cost of foreign debt
• Potential rating downgrade: Credit agencies may reassess Malondesh’s sovereign rating
=============
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
• End of March 2025: RM 1.65 trillion or 84.3% 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 US$150 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 US$240–242 miliar, termasuk US$70 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 KAYA CASH = LOAN FOR SUBSIDI
HapusFor the Malondeshn Government & Economy
1. Fiscal Strain:
o Cons: Subsidies are a direct cost to the government, funded by taxpayer money or borrowing. Large-scale or prolonged programs can significantly strain national finances, leading to higher budget deficits and increased national debt.
o Opportunity Cost: Money spent on subsidies cannot be used for other public goods like infrastructure, education, or healthcare.
2. Inflationary Pressures:
o Cons: If subsidies inject too much money into the economy without a corresponding increase in productive capacity, it can lead to higher demand and potentially inflation. Pay subsidies can also lead to wage push inflation if businesses pass on higher labor costs.
3. Misallocation of Resources:
o Cons: Subsidies can direct resources (capital, labor) towards sectors or activities that are not necessarily the most efficient or economically viable in the long run. This can impede the natural evolution and specialization of the economy.
o Rent-Seeking: Industries or businesses might lobby intensely for continued or expanded subsidies, diverting resources from productive activities towards political influence.
4. Reduced Economic Resilience:
o Cons: An economy heavily reliant on subsidies may be less resilient to external shocks, as industries might not have developed the internal strength to adapt without government support.
5. Political Motivations:
o Cons: Subsidies can become politically popular tools, making them difficult to withdraw even when they are no longer economically justified. This can lead to inefficient spending patterns that persist for electoral reasons.
6. Potential for Corruption & Leakage:
o Cons: Any large-scale government program involving financial disbursements carries a risk of corruption, fraud, or leakage, where funds do not reach their intended beneficiaries or are misused.
7. Increased Economic Activity (Positive Impact):
o Pros: In certain situations (e.g., during a recession or to kickstart a nascent industry), well-targeted subsidies can stimulate demand, prevent economic collapse, and foster growth that might not otherwise occur. This can be seen in initiatives to boost specific sectors like green technology or digital transformation.
Example Scenarios in Malondesh:
• Wage Subsidy Program (during COVID-19): The Malondeshn government implemented wage subsidies to help businesses retain employees. This, often combined with loan moratoriums or special relief funds, prevented widespread unemployment and business closures.
• Targeted Subsidies for Agriculture/Fisheries: These often involve subsidized loans for equipment or inputs, aiming to boost food security but can lead to dependency or market distortions.
• Education Loans (e.g., PTPTN): While not direct pay subsidies, concessionary terms on student loans often have implicit subsidies. This helps access to education but can lead to concerns about repayment and future debt burdens.
Conclusion
Concessionary pay subsidies coupled with loans in Malondesh are a double-edged sword. While they can provide crucial support, stimulate specific sectors, and alleviate immediate financial hardship, they also carry significant risks. Careful design, strict targeting, clear exit strategies, and robust monitoring are essential to maximize the benefits and mitigate the adverse consequences of such programs. Without these, there is a danger of creating dependency, fostering inefficiency, and placing undue strain on national finances.
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BAYAR RM 81,998 = DIPERAS KERAJAAN
HapusGOV + PEOPLE : OVERLIMIT DEBT
--------------------
FEDERAL GOVERNMENT DEBT = PER PEOPLE : RM 36,139
HOUSEHOLD DEBT = PER PEOPLE : RM 45,859.
GOV + HOUSEHOLD = PER PEOPLE : RM 81,998
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang akhir 2024: RM 1.25 triliun
• Utang akhir Juni 2025: RM 1.30 triliun
• Jumlah penduduk Malondesh 2025 (perkiraan pertengahan tahun): 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
1.30 triliun = 1,300,000,000,000
Per Orang = 1,300,000,000,000/35,977,838 : RM 36,139 per orang
3️⃣ Ringkasan dalam tabel
Periode Total Utang (RM Triliun) Penduduk (Jiwa) Utang per Orang (RM) Kenaikan per Orang (RM)
Akhir 2024 1.25 35,977,838 34,735 –
Juni 2025 1.30 35,977,838 36,139 +1,404
4️⃣ Analisis
• Dalam 6 bulan pertama 2025, utang per penduduk naik sekitar RM 1,404.
• Kenaikan ini setara dengan +4% dibanding akhir 2024.
• Artinya, setiap warga Malondesh secara rata-rata “menanggung” tambahan utang sekitar RM 234 per bulan selama periode tersebut.
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang rumah tangga (akhir Maret 2025): RM 1.65 triliun
• Persentase terhadap PDB: 84.3%
• Jumlah penduduk Malondesh pertengahan 2025: 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
Utang per orang =1,650,000,000,000/35,977,838 : RM 45,859 per orang
3️⃣ Ringkasan dalam tabel
Periode Total Utang Rumah Tangga (RM Triliun) Penduduk (Jiwa) Utang per Orang (RM)
Maret 2025 1.65 35,977,838 45,859
4️⃣ Analisis
• Setiap penduduk Malondesh, secara rata-rata, “menanggung” utang rumah tangga sekitar RM 45,859.
• Angka ini lebih tinggi dibanding utang per kapita pemerintah federal yang kita hitung sebelumnya (sekitar RM 36 ribu per orang).
• Jika digabungkan (utang pemerintah + utang rumah tangga), beban utang total per kapita bisa mendekati RM 82 ribu.
• Rasio 84.3% dari PDB menunjukkan bahwa utang rumah tangga Malondesh relatif tinggi dibanding ukuran ekonominya, yang dapat memengaruhi daya beli dan risiko keuangan rumah tangga jika suku bunga naik.
--------------------
2025 CUT SUBSIDIES FOR HEALTHCARE
2025 CUT SUBSIDIES FOR HEALTHCARE
2025 CUT SUBSIDIES FOR HEALTHCARE
MAID OF LONDON (MALON) 's 2025 budget includes plans to cut subsidies for healthcare, but also includes funding for upgrades and targeted subsidies. The goal is to improve healthcare access and quality, while also reducing the fiscal deficit.
Budget cuts
• Targeted subsidies
The government will end universal healthcare and instead offer targeted subsidies for healthcare.
• Fees
High-income families and individuals will pay more for healthcare services.
Budget allocations
• Ministry of Health: The Ministry of Health (MOH) received RM45.3 billion in 2025, a 9.8% increase from 2024.
• Sarawak Cancer Centre: RM1 billion was allocated for the Sarawak Cancer Centre.
• Hospital upgrades: Funding was allocated for upgrades to hospitals across MAID OF LONDON (MALON) .
• Targeted subsidies: Targeted subsidies will be offered to improve healthcare access, particularly for marginalized communities.
Other social sector priorities
The budget also includes allocations for education and social welfare. The goal is to improve the quality of life and public services.
BAYAR RM 81,998 = DIPERAS KERAJAAN
HapusGOV + PEOPLE : OVERLIMIT DEBT
--------------------
FEDERAL GOVERNMENT DEBT = PER PEOPLE : RM 36,139
HOUSEHOLD DEBT = PER PEOPLE : RM 45,859.
GOV + HOUSEHOLD = PER PEOPLE : RM 81,998
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang akhir 2024: RM 1.25 triliun
• Utang akhir Juni 2025: RM 1.30 triliun
• Jumlah penduduk Malondesh 2025 (perkiraan pertengahan tahun): 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
1.30 triliun = 1,300,000,000,000
Per Orang = 1,300,000,000,000/35,977,838 : RM 36,139 per orang
3️⃣ Ringkasan dalam tabel
Periode Total Utang (RM Triliun) Penduduk (Jiwa) Utang per Orang (RM) Kenaikan per Orang (RM)
Akhir 2024 1.25 35,977,838 34,735 –
Juni 2025 1.30 35,977,838 36,139 +1,404
4️⃣ Analisis
• Dalam 6 bulan pertama 2025, utang per penduduk naik sekitar RM 1,404.
• Kenaikan ini setara dengan +4% dibanding akhir 2024.
• Artinya, setiap warga Malondesh secara rata-rata “menanggung” tambahan utang sekitar RM 234 per bulan selama periode tersebut.
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang rumah tangga (akhir Maret 2025): RM 1.65 triliun
• Persentase terhadap PDB: 84.3%
• Jumlah penduduk Malondesh pertengahan 2025: 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
Utang per orang =1,650,000,000,000/35,977,838 : RM 45,859 per orang
3️⃣ Ringkasan dalam tabel
Periode Total Utang Rumah Tangga (RM Triliun) Penduduk (Jiwa) Utang per Orang (RM)
Maret 2025 1.65 35,977,838 45,859
4️⃣ Analisis
• Setiap penduduk Malondesh, secara rata-rata, “menanggung” utang rumah tangga sekitar RM 45,859.
• Angka ini lebih tinggi dibanding utang per kapita pemerintah federal yang kita hitung sebelumnya (sekitar RM 36 ribu per orang).
• Jika digabungkan (utang pemerintah + utang rumah tangga), beban utang total per kapita bisa mendekati RM 82 ribu.
• Rasio 84.3% dari PDB menunjukkan bahwa utang rumah tangga Malondesh relatif tinggi dibanding ukuran ekonominya, yang dapat memengaruhi daya beli dan risiko keuangan rumah tangga jika suku bunga naik.
--------------------
2025 CUT SUBSIDIES FOR HEALTHCARE
2025 CUT SUBSIDIES FOR HEALTHCARE
2025 CUT SUBSIDIES FOR HEALTHCARE
MAID OF LONDON (MALON) 's 2025 budget includes plans to cut subsidies for healthcare, but also includes funding for upgrades and targeted subsidies. The goal is to improve healthcare access and quality, while also reducing the fiscal deficit.
Budget cuts
• Targeted subsidies
The government will end universal healthcare and instead offer targeted subsidies for healthcare.
• Fees
High-income families and individuals will pay more for healthcare services.
Budget allocations
• Ministry of Health: The Ministry of Health (MOH) received RM45.3 billion in 2025, a 9.8% increase from 2024.
• Sarawak Cancer Centre: RM1 billion was allocated for the Sarawak Cancer Centre.
• Hospital upgrades: Funding was allocated for upgrades to hospitals across MAID OF LONDON (MALON) .
• Targeted subsidies: Targeted subsidies will be offered to improve healthcare access, particularly for marginalized communities.
Other social sector priorities
The budget also includes allocations for education and social welfare. The goal is to improve the quality of life and public services.
BAYAR RM 81,998 = DIPERAS KERAJAAN
HapusGOV + PEOPLE : OVERLIMIT DEBT
--------------------
FEDERAL GOVERNMENT DEBT = PER PEOPLE : RM 36,139
HOUSEHOLD DEBT = PER PEOPLE : RM 45,859.
GOV + HOUSEHOLD = PER PEOPLE : RM 81,998
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang akhir 2024: RM 1.25 triliun
• Utang akhir Juni 2025: RM 1.30 triliun
• Jumlah penduduk Malondesh 2025 (perkiraan pertengahan tahun): 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
1.30 triliun = 1,300,000,000,000
Per Orang = 1,300,000,000,000/35,977,838 : RM 36,139 per orang
3️⃣ Ringkasan dalam tabel
Periode Total Utang (RM Triliun) Penduduk (Jiwa) Utang per Orang (RM) Kenaikan per Orang (RM)
Akhir 2024 1.25 35,977,838 34,735 –
Juni 2025 1.30 35,977,838 36,139 +1,404
4️⃣ Analisis
• Dalam 6 bulan pertama 2025, utang per penduduk naik sekitar RM 1,404.
• Kenaikan ini setara dengan +4% dibanding akhir 2024.
• Artinya, setiap warga Malondesh secara rata-rata “menanggung” tambahan utang sekitar RM 234 per bulan selama periode tersebut.
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang rumah tangga (akhir Maret 2025): RM 1.65 triliun
• Persentase terhadap PDB: 84.3%
• Jumlah penduduk Malondesh pertengahan 2025: 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
Utang per orang =1,650,000,000,000/35,977,838 : RM 45,859 per orang
3️⃣ Ringkasan dalam tabel
Periode Total Utang Rumah Tangga (RM Triliun) Penduduk (Jiwa) Utang per Orang (RM)
Maret 2025 1.65 35,977,838 45,859
4️⃣ Analisis
• Setiap penduduk Malondesh, secara rata-rata, “menanggung” utang rumah tangga sekitar RM 45,859.
• Angka ini lebih tinggi dibanding utang per kapita pemerintah federal yang kita hitung sebelumnya (sekitar RM 36 ribu per orang).
• Jika digabungkan (utang pemerintah + utang rumah tangga), beban utang total per kapita bisa mendekati RM 82 ribu.
• Rasio 84.3% dari PDB menunjukkan bahwa utang rumah tangga Malondesh relatif tinggi dibanding ukuran ekonominya, yang dapat memengaruhi daya beli dan risiko keuangan rumah tangga jika suku bunga naik.
--------------------
RAISING NEW TAX = BUDGET DEFICIT
MAID OF LONDON (MALON) is raising taxes to reduce its budget deficit. The government is also cutting subsidies and reforming the tax system to make it more progressive.
New taxes
• Dividend tax: A 2% tax on individual dividend income for high earners
• Excise duties: Higher excise duties on sugary drinks
• Sales and service tax: Expanded scope of the sales and service tax (SST)
• Carbon tax: A new tax on carbon emissions
• Sugar duties: Higher duties on sugar
• Unhealthy food tax: A tax on unhealthy foods
• Inheritance tax: A tax on inheritance
• High-value goods tax (HVGT): A tax on high-value goods
• Artificial Intelligence (AI) tax: A tax on AI
Subsidy cuts Reduced subsidies for electricity since 2023, Diesel subsidy reforms in June
MISKIN BAYAR RM 81,998 = DIPERAS NEGARA
HapusGOV + PEOPLE : OVERLIMIT DEBT
--------------------
FEDERAL GOVERNMENT DEBT = PER PEOPLE : RM 36,139
HOUSEHOLD DEBT = PER PEOPLE : RM 45,859.
GOV + HOUSEHOLD = PER PEOPLE : RM 81,998
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang akhir 2024: RM 1.25 triliun
• Utang akhir Juni 2025: RM 1.30 triliun
• Jumlah penduduk Malondesh 2025 (perkiraan pertengahan tahun): 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
1.30 triliun = 1,300,000,000,000
Per Orang = 1,300,000,000,000/35,977,838 : RM 36,139 per orang
3️⃣ Ringkasan dalam tabel
Periode Total Utang (RM Triliun) Penduduk (Jiwa) Utang per Orang (RM) Kenaikan per Orang (RM)
Akhir 2024 1.25 35,977,838 34,735 –
Juni 2025 1.30 35,977,838 36,139 +1,404
4️⃣ Analisis
• Dalam 6 bulan pertama 2025, utang per penduduk naik sekitar RM 1,404.
• Kenaikan ini setara dengan +4% dibanding akhir 2024.
• Artinya, setiap warga Malondesh secara rata-rata “menanggung” tambahan utang sekitar RM 234 per bulan selama periode tersebut.
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang rumah tangga (akhir Maret 2025): RM 1.65 triliun
• Persentase terhadap PDB: 84.3%
• Jumlah penduduk Malondesh pertengahan 2025: 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
Utang per orang =1,650,000,000,000/35,977,838 : RM 45,859 per orang
3️⃣ Ringkasan dalam tabel
Periode Total Utang Rumah Tangga (RM Triliun) Penduduk (Jiwa) Utang per Orang (RM)
Maret 2025 1.65 35,977,838 45,859
4️⃣ Analisis
• Setiap penduduk Malondesh, secara rata-rata, “menanggung” utang rumah tangga sekitar RM 45,859.
• Angka ini lebih tinggi dibanding utang per kapita pemerintah federal yang kita hitung sebelumnya (sekitar RM 36 ribu per orang).
• Jika digabungkan (utang pemerintah + utang rumah tangga), beban utang total per kapita bisa mendekati RM 82 ribu.
• Rasio 84.3% dari PDB menunjukkan bahwa utang rumah tangga Malondesh relatif tinggi dibanding ukuran ekonominya, yang dapat memengaruhi daya beli dan risiko keuangan rumah tangga jika suku bunga naik.
--------------------
2024 EXTERNAL DEBT REACHED AN ALL-TIME
2024 EXTERNAL DEBT REACHED AN ALL-TIME
2024 EXTERNAL DEBT REACHED AN ALL-TIME
MAID OF LONDON (MALON) external DEBT reached an all-time high of MYR 1,345,400 million in the fourth quarter of 2024. This was an increase from MYR 1,262,300 million in the third quarter of 2024.
Additional information
The average external DEBT for MAID OF LONDON (MALON) from 1990 to 2024 was MYR 393,996.07 million.
The record low for MAID OF LONDON (MALON) external DEBT was MYR 9,063 million in the second quarter of 1997.
MAID OF LONDON (MALON) faced external pressures in 2023, including capital outflows, a negative interest rate differential, and ringgit depreciation.
Gross international reserves (GIR) declined from US$114.7 billion at the end of 2022 to US$113.5 billion at the end of 2023.
However, as of mid-January 2024, reserves had increased to US$115.1 billion.
The Bank Negara MAID OF LONDON (MALON) (BNM) Quarterly Bulletin provides a quarterly review of MAID OF LONDON (MALON) economic, monetary, and financial developments.
---------------
NATIONAL DEBT = $300.7 BILLION
EXTERNAL DEBT = $306.3 BILLION
As of September 2024, MAID OF LONDON (MALON) national government DEBT was $300.7 billion. The country's external DEBT was $306.3 billion.
Explanation
External DEBT: This is the total DEBT owed to creditors outside of MAID OF LONDON (MALON) .
Fiscal deficit: The government's goal is to reduce the fiscal deficit from 4.3% of GDP in 2024 to around 3% by 2026.
Subsidies: The government plans to rationalize subsidies, especially for fuel.
Sales and Service Tax (SST): The government plans to expand the SST in May 2025.
MISKIN BAYAR RM 81,998 = DIPERAS NEGARA
HapusGOV + PEOPLE : OVERLIMIT DEBT
----------
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
• End of March 2025: RM 1.65 trillion or 84.3% of GDP
=============
MISKIN ......
DEBT MARCH 2025 = 1,65 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
===================
2024 = HUTANG BAYAR HUTANG
2024 = 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
2023 = HUTANG BAYAR HUTANG
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
• Rasio utang terhadap PDB MAID OF LONDON (MALON) pada tahun 2023 mencapai 64,3%
---
2022 = 52,4% HUTANG BAYAR HUTANG
2022 = 52,4% HUTANG BAYAR HUTANG
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
2021 = 50,4% HUTANG BAYAR HUTANG
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
2020 = 60% HUTANG BAYAR HUTANG
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
2019 = 59% HUTANG BAYAR HUTANG
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
2018 = OPEN DONASI
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 (US$ 250,8 miliar) atau 80 persen dari PDB
MISKIN BAYAR RM 81,998 = DIPERAS NEGARA
HapusFEDERAL GOVERNMENT DEBT = PER PEOPLE : RM 36,139
HOUSEHOLD DEBT = PER PEOPLE : RM 45,859.
GOV + HOUSEHOLD = PER PEOPLE : RM 81,998
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang akhir 2024: RM 1.25 triliun
• Utang akhir Juni 2025: RM 1.30 triliun
• Jumlah penduduk Malondesh 2025 (perkiraan pertengahan tahun): 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
1.30 triliun = 1,300,000,000,000
Per Orang = 1,300,000,000,000/35,977,838 : RM 36,139 per orang
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang rumah tangga (akhir Maret 2025): RM 1.65 triliun
• Persentase terhadap PDB: 84.3%
• Jumlah penduduk Malondesh pertengahan 2025: 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
Utang per orang =1,650,000,000,000/35,977,838 : RM 45,859 per orang
-------------------
2025 = DEFICIT
BORROWED = RM 92.8 BILLION
BORROWED = RM 92.8 BILLION
BORROWED = 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
• END OF MARCH 2025: RM 1.65 TRILLION OR 84.3% OF GDP
=============
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 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.
==========
BANK NEGARA MAID OF LONDON (MALON) [BNM] =
DEBT HIGHEST IN THE ASEAN
DEBT HIGHEST IN THE ASEAN
DEBT HIGHEST IN THE ASEAN
MAID OF LONDON (MALON) 's 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)s.
2025 =
HapusDEFICIT 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.
=============
GOV + PEOPLE HOBI HUTANG = OVERLIMIT DEBT
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
• End of March 2025: RM 1.65 trillion or 84.3% of GDP
=============
MISKIN ......
DEBT MARCH 2025 = 1,65 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
=============
2024 = HUTANG BAYAR HUTANG
2024 = 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
2023 = HUTANG BAYAR HUTANG
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
• Rasio utang terhadap PDB MAID OF LONDON (MALON) pada tahun 2023 mencapai 64,3%
---
2022 = 52,4% HUTANG BAYAR HUTANG
2022 = 52,4% HUTANG BAYAR HUTANG
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
2021 = 50,4% HUTANG BAYAR HUTANG
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
2020 = 60% HUTANG BAYAR HUTANG
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
2019 = 59% HUTANG BAYAR HUTANG
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
2018 = OPEN DONASI
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 (US$ 250,8 miliar) atau 80 persen dari PDB
KLAIM KAYA CASH = LOAN FOR SUBSIDI
Hapus1. What is a Fiscal Deficit?
A fiscal deficit occurs when a government's total expenditures exceed its total revenue over a specific period (usually a fiscal year). To cover this shortfall, the government typically borrows money, leading to an increase in national debt.
2. Understanding Subsidies in Malondesh
Subsidies are financial aid or support extended by the government to certain economic sectors, businesses, or individuals with the aim of promoting economic and social policy. In Malondesh, subsidies are extensive and cover various areas:
• Fuel Subsidies: This is historically one of the largest components. The government subsidizes petrol (RON95), diesel, and LPG to keep prices lower for consumers and businesses, mitigating the impact of global oil price fluctuations.
• Food Subsidies: Subsidies for essential food items like rice, cooking oil, and flour aim to ensure affordability and food security for the general population, particularly lower-income households.
• Electricity Tariffs: Tenaga Nasional Berhad (TNB), the main electricity provider, often receives government subsidies to maintain stable and lower electricity tariffs for both households and industries, especially during periods of high fuel (coal and gas) costs for power generation.
• Toll Subsidies/Compensation: While not always direct subsidies, the government sometimes compensates highway concessionaires for not raising toll rates according to their agreements, effectively subsidizing commuters.
• Agriculture and Fisheries Subsidies: Support for farmers and fishermen through fertilizers, seeds, equipment, and price support schemes to boost productivity and income.
• Public Transport Subsidies: Financial support for urban public transport services to keep fares affordable and encourage ridership.
• Education and Healthcare: While not always categorized strictly as "subsidies," significant government spending on public education and healthcare effectively subsidizes these services, making them accessible at low or no direct cost to citizens.
KLAIM KAYA CASH = LOAN FOR SUBSIDI
Hapus1. What is a Fiscal Deficit?
A fiscal deficit occurs when a government's total expenditures exceed its total revenue over a specific period (usually a fiscal year). To cover this shortfall, the government typically borrows money, leading to an increase in national debt.
2. Understanding Subsidies in Malondesh
Subsidies are financial aid or support extended by the government to certain economic sectors, businesses, or individuals with the aim of promoting economic and social policy. In Malondesh, subsidies are extensive and cover various areas:
• Fuel Subsidies: This is historically one of the largest components. The government subsidizes petrol (RON95), diesel, and LPG to keep prices lower for consumers and businesses, mitigating the impact of global oil price fluctuations.
• Food Subsidies: Subsidies for essential food items like rice, cooking oil, and flour aim to ensure affordability and food security for the general population, particularly lower-income households.
• Electricity Tariffs: Tenaga Nasional Berhad (TNB), the main electricity provider, often receives government subsidies to maintain stable and lower electricity tariffs for both households and industries, especially during periods of high fuel (coal and gas) costs for power generation.
• Toll Subsidies/Compensation: While not always direct subsidies, the government sometimes compensates highway concessionaires for not raising toll rates according to their agreements, effectively subsidizing commuters.
• Agriculture and Fisheries Subsidies: Support for farmers and fishermen through fertilizers, seeds, equipment, and price support schemes to boost productivity and income.
• Public Transport Subsidies: Financial support for urban public transport services to keep fares affordable and encourage ridership.
• Education and Healthcare: While not always categorized strictly as "subsidies," significant government spending on public education and healthcare effectively subsidizes these services, making them accessible at low or no direct cost to citizens.
-------------------
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
4️⃣ Analisis
• Setiap penduduk Malondesh, secara rata-rata, “menanggung” utang rumah tangga sekitar RM 45,859.
• Angka ini lebih tinggi dibanding utang per kapita pemerintah federal yang kita hitung sebelumnya (sekitar RM 36 ribu per orang).
• Jika digabungkan (utang pemerintah + utang rumah tangga), beban utang total per kapita bisa mendekati RM 82 ribu.
• Rasio 84.3% dari PDB menunjukkan bahwa utang rumah tangga Malondesh relatif tinggi dibanding ukuran ekonominya, yang dapat memengaruhi daya beli dan risiko keuangan rumah tangga jika suku bunga naik.
KLAIM KAYA CASH = LOAN FOR SUBSIDI
HapusImplications for the Government:
• Increased National Debt: This is the most significant and direct implication. Funding subsidies through loans means the government is borrowing money to cover current expenditures. This adds to the national debt, which future generations will ultimately have to repay.
• Debt Servicing Costs: As national debt grows, so do the costs of servicing that debt (i.e., interest payments). These interest payments divert funds that could otherwise be used for other developmental projects, infrastructure, or essential services.
• Fiscal Space Constraints: A high level of debt and debt servicing costs reduces the government's fiscal space – its ability to respond to economic shocks or fund new initiatives without further borrowing.
• Sustainability Concerns: If this practice continues long-term without corresponding revenue growth or a clear exit strategy, it raises concerns about the sustainability of public finances.
• Credit Rating Impact: A rising national debt burden can negatively impact Malondesh's sovereign credit rating. A lower credit rating can lead to higher borrowing costs for the government in the future, creating a vicious cycle.
• Intergenerational Equity: Funding current consumption (subsidies) with loans effectively shifts the burden of payment to future generations. This raises questions of intergenerational equity, as future taxpayers will bear the cost of benefits enjoyed today.
• Opportunity Cost: Every Ringgit spent on debt servicing due to subsidy-funded loans is a Ringgit not spent on other vital areas like healthcare, education upgrades, research and development, or infrastructure that could yield higher long-term economic returns.
Implications for the Economy:
• Crowding Out Effect: Government borrowing to fund subsidies can "crowd out" private investment. When the government demands a large share of available credit, it can push up interest rates, making it more expensive for private businesses to borrow and invest.
• Inflationary Pressure: While subsidies aim to keep prices low, if they are funded by excessive borrowing and money creation (though less common for direct loan funding), they could eventually contribute to inflationary pressures if not managed well.
• Misallocation of Resources: Subsidies can distort market signals, leading to an inefficient allocation of resources. If a particular sector is heavily subsidized, it might attract more resources than it would under market conditions, potentially at the expense of more productive sectors.
• Exchange Rate Impact: A weakening fiscal position due to high debt can put pressure on the national currency (Malondeshn Ringgit). A weaker Ringgit makes imports more expensive and can fuel inflation.
• Investor Confidence: High and unsustainable national debt can deter foreign direct investment (FDI) as investors become concerned about economic stability and future tax policies.
• Dependency Syndrome: Long-term reliance on subsidies can create a dependency syndrome, where individuals and industries become reliant on government support, potentially stifling innovation and competitiveness.
Examples in Malondesh:
• Fuel Subsidies: Historically, fuel subsidies were a major expenditure. If the government had to borrow heavily to maintain these subsidies during periods of high oil prices, it would significantly impact the national debt.
• Education Loans (e.g., PTPTN): While PTPTN loans are designed to be repaid, the implicit subsidies (lower-than-market interest rates, partial waivers, or difficulties in collection) mean the government bears a significant cost, which might necessitate borrowing if not adequately covered by revenue.
• Housing Subsidies/Affordable Housing Schemes: Government-backed affordable housing initiatives often involve direct subsidies or subsidized financing, requiring government expenditure, potentially necessitating borrowing.
MISKIN BAYAR RM 81,998 = DIPERAS NEGARA
BalasHapusGOV + PEOPLE : OVERLIMIT DEBT
--------------------
FEDERAL GOVERNMENT DEBT = PER PEOPLE : RM 36,139
HOUSEHOLD DEBT = PER PEOPLE : RM 45,859.
GOV + HOUSEHOLD = PER PEOPLE : RM 81,998
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang akhir 2024: RM 1.25 triliun
• Utang akhir Juni 2025: RM 1.30 triliun
• Jumlah penduduk Malondesh 2025 (perkiraan pertengahan tahun): 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
1.30 triliun = 1,300,000,000,000
Per Orang = 1,300,000,000,000/35,977,838 : RM 36,139 per orang
3️⃣ Ringkasan dalam tabel
Periode Total Utang (RM Triliun) Penduduk (Jiwa) Utang per Orang (RM) Kenaikan per Orang (RM)
Akhir 2024 1.25 35,977,838 34,735 –
Juni 2025 1.30 35,977,838 36,139 +1,404
4️⃣ Analisis
• Dalam 6 bulan pertama 2025, utang per penduduk naik sekitar RM 1,404.
• Kenaikan ini setara dengan +4% dibanding akhir 2024.
• Artinya, setiap warga Malondesh secara rata-rata “menanggung” tambahan utang sekitar RM 234 per bulan selama periode tersebut.
--------------------
1️⃣ DATA YANG DIGUNAKAN
• Utang rumah tangga (akhir Maret 2025): RM 1.65 triliun
• Persentase terhadap PDB: 84.3%
• Jumlah penduduk Malondesh pertengahan 2025: 35,977,838 jiwa
2️⃣ Perhitungan utang per penduduk
Utang per orang =1,650,000,000,000/35,977,838 : RM 45,859 per orang
3️⃣ Ringkasan dalam tabel
Periode Total Utang Rumah Tangga (RM Triliun) Penduduk (Jiwa) Utang per Orang (RM)
Maret 2025 1.65 35,977,838 45,859
4️⃣ Analisis
• Setiap penduduk Malondesh, secara rata-rata, “menanggung” utang rumah tangga sekitar RM 45,859.
• Angka ini lebih tinggi dibanding utang per kapita pemerintah federal yang kita hitung sebelumnya (sekitar RM 36 ribu per orang).
• Jika digabungkan (utang pemerintah + utang rumah tangga), beban utang total per kapita bisa mendekati RM 82 ribu.
• Rasio 84.3% dari PDB menunjukkan bahwa utang rumah tangga Malondesh relatif tinggi dibanding ukuran ekonominya, yang dapat memengaruhi daya beli dan risiko keuangan rumah tangga jika suku bunga naik.
--------------------
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
• End of March 2025: RM 1.65 trillion or 84.3% of GDP
=============
MISKIN ......
DEBT MARCH 2025 = 1,65 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
π€π€π€ , sakit kejiwaan warga melayu keling malaydesh makin parah, siap2 negara sampah tersebut bubar dan di gantikan pendatang bangla.
BalasHapusLOGIKA SAJA YANG GAMPANG YA BERUK TOLOL, KALO MISKIN TA MUNGKIN BRICS,G20,G8 MENERIMA KING INDO JADI MEMBERNYA....PAHAM TA !!!
BalasHapusKALO MALONDESH JELAS MISKIN KARENA DITOLAK JADI MEMBER BRICS,G20,G8..........HAHAHAA
KLAIM KAYA CASH = LOAN FOR SUBSIDI
BalasHapus1. How Subsidies Drive the Fiscal Deficit
The direct impact of subsidies on the fiscal deficit is straightforward:
• Increased Government Expenditure: Every ringgit spent on subsidies is a ringgit that contributes to total government expenditure. When these expenditures outpace revenue, a deficit occurs or widens.
• Opportunity Cost: Funds allocated to subsidies could otherwise be invested in other productive areas like infrastructure development, education reform, healthcare upgrades, or research and development, which could yield long-term economic benefits.
• Revenue Forgone: In some cases, subsidies can be seen as revenue forgone. For example, if fuel taxes were higher without subsidies, the government would collect more revenue.
• Sensitivity to Commodity Prices: Fuel and food subsidies are particularly sensitive to global commodity price fluctuations. When global oil or food prices surge, the cost of these subsidies can escalate dramatically and unexpectedly, putting immense pressure on the national budget. This often requires supplementary budgets or diversions of funds from other areas.
• Entitlement Mentality and Difficulty of Removal: Once subsidies are in place, they often create an "entitlement" mentality among the public. Removing or significantly reducing them can be politically unpopular and lead to public discontent, making it challenging for governments to reform them even when necessary for fiscal health.
• Leakage and Inefficiency: Subsidies can sometimes be inefficiently targeted or prone to leakage. For instance, blanket subsidies (like for RON95 fuel) benefit all income groups, including the wealthy, who might not need the support. This makes the subsidy more expensive than it needs to be to achieve its social objectives. There can also be issues like smuggling of subsidized goods to neighboring countries where prices are higher.
2. The Malondeshn Context and Challenges
Malondesh has historically relied heavily on subsidies, particularly during periods of high commodity prices (when oil and gas revenues were strong) as a way to share wealth and mitigate cost-of-living pressures. However, this model faces several challenges:
• Shrinking Fiscal Space: As global commodity prices become more volatile and the government aims for higher development spending, the fiscal space (the flexibility to increase spending or cut taxes without endangering financial stability) shrinks. Large subsidy bills eat into this space.
• Debt Accumulation: Persistent large fiscal deficits driven by subsidies lead to continuous government borrowing, increasing the national debt burden and future debt servicing costs.
• Distortion of Market Signals: Subsidies can distort market prices, leading to inefficient resource allocation. For example, artificially low fuel prices might disincentivize energy conservation or the adoption of more fuel-efficient vehicles.
• Difficulty in Targeting: Blanket subsidies are regressive in nature, meaning they disproportionately benefit higher-income groups in absolute terms. Moving towards more targeted subsidies (e.g., direct cash transfers to specific income brackets) is a policy goal but is complex to implement effectively.
• Impact on Credit Ratings: A sustained large fiscal deficit and rising national debt, partly fueled by subsidies, can negatively impact Malondesh's credit ratings, making it more expensive for the government to borrow in international markets.
kita dapat Diesel Solar kita rp.6.800=rm 1.98
BalasHapuswarganyet kl mana dapat haha!π€£π€£π€£
uda gitu tarik Utang buat subsidi ron 95 saja,
diseblah ron 97 & solar tidaaaakkk turun kahsiyan kena tipu pmx lagii haha!ππ€π
KLAIM KAYA CASH = LOAN FOR SUBSIDI
BalasHapus1. What is a Fiscal Deficit?
A fiscal deficit occurs when a government's total expenditures exceed its total revenue over a specific period (usually a fiscal year). To cover this shortfall, the government typically borrows money, leading to an increase in national debt.
2. Understanding Subsidies in Malondesh
Subsidies are financial aid or support extended by the government to certain economic sectors, businesses, or individuals with the aim of promoting economic and social policy. In Malondesh, subsidies are extensive and cover various areas:
• Fuel Subsidies: This is historically one of the largest components. The government subsidizes petrol (RON95), diesel, and LPG to keep prices lower for consumers and businesses, mitigating the impact of global oil price fluctuations.
• Food Subsidies: Subsidies for essential food items like rice, cooking oil, and flour aim to ensure affordability and food security for the general population, particularly lower-income households.
• Electricity Tariffs: Tenaga Nasional Berhad (TNB), the main electricity provider, often receives government subsidies to maintain stable and lower electricity tariffs for both households and industries, especially during periods of high fuel (coal and gas) costs for power generation.
• Toll Subsidies/Compensation: While not always direct subsidies, the government sometimes compensates highway concessionaires for not raising toll rates according to their agreements, effectively subsidizing commuters.
• Agriculture and Fisheries Subsidies: Support for farmers and fishermen through fertilizers, seeds, equipment, and price support schemes to boost productivity and income.
• Public Transport Subsidies: Financial support for urban public transport services to keep fares affordable and encourage ridership.
• Education and Healthcare: While not always categorized strictly as "subsidies," significant government spending on public education and healthcare effectively subsidizes these services, making them accessible at low or no direct cost to citizens.
-------------------
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
4️⃣ Analisis
• Setiap penduduk Malondesh, secara rata-rata, “menanggung” utang rumah tangga sekitar RM 45,859.
• Angka ini lebih tinggi dibanding utang per kapita pemerintah federal yang kita hitung sebelumnya (sekitar RM 36 ribu per orang).
• Jika digabungkan (utang pemerintah + utang rumah tangga), beban utang total per kapita bisa mendekati RM 82 ribu.
• Rasio 84.3% dari PDB menunjukkan bahwa utang rumah tangga Malondesh relatif tinggi dibanding ukuran ekonominya, yang dapat memengaruhi daya beli dan risiko keuangan rumah tangga jika suku bunga naik.
Malaydesh dapat asetnya dari hibah dan sedekah kerajaan lain
BalasHapusIQ gorilla pasti senang sekali dapat derma drone dari Jepun, nak beli taksanggup, takde wang
BalasHapusKLAIM KAYA CASH = LOAN FOR SUBSIDI
BalasHapusImplications for the Government:
• Increased National Debt: This is the most significant and direct implication. Funding subsidies through loans means the government is borrowing money to cover current expenditures. This adds to the national debt, which future generations will ultimately have to repay.
• Debt Servicing Costs: As national debt grows, so do the costs of servicing that debt (i.e., interest payments). These interest payments divert funds that could otherwise be used for other developmental projects, infrastructure, or essential services.
• Fiscal Space Constraints: A high level of debt and debt servicing costs reduces the government's fiscal space – its ability to respond to economic shocks or fund new initiatives without further borrowing.
• Sustainability Concerns: If this practice continues long-term without corresponding revenue growth or a clear exit strategy, it raises concerns about the sustainability of public finances.
• Credit Rating Impact: A rising national debt burden can negatively impact Malondesh's sovereign credit rating. A lower credit rating can lead to higher borrowing costs for the government in the future, creating a vicious cycle.
• Intergenerational Equity: Funding current consumption (subsidies) with loans effectively shifts the burden of payment to future generations. This raises questions of intergenerational equity, as future taxpayers will bear the cost of benefits enjoyed today.
• Opportunity Cost: Every Ringgit spent on debt servicing due to subsidy-funded loans is a Ringgit not spent on other vital areas like healthcare, education upgrades, research and development, or infrastructure that could yield higher long-term economic returns.
Implications for the Economy:
• Crowding Out Effect: Government borrowing to fund subsidies can "crowd out" private investment. When the government demands a large share of available credit, it can push up interest rates, making it more expensive for private businesses to borrow and invest.
• Inflationary Pressure: While subsidies aim to keep prices low, if they are funded by excessive borrowing and money creation (though less common for direct loan funding), they could eventually contribute to inflationary pressures if not managed well.
• Misallocation of Resources: Subsidies can distort market signals, leading to an inefficient allocation of resources. If a particular sector is heavily subsidized, it might attract more resources than it would under market conditions, potentially at the expense of more productive sectors.
• Exchange Rate Impact: A weakening fiscal position due to high debt can put pressure on the national currency (Malondeshn Ringgit). A weaker Ringgit makes imports more expensive and can fuel inflation.
• Investor Confidence: High and unsustainable national debt can deter foreign direct investment (FDI) as investors become concerned about economic stability and future tax policies.
• Dependency Syndrome: Long-term reliance on subsidies can create a dependency syndrome, where individuals and industries become reliant on government support, potentially stifling innovation and competitiveness.
Examples in Malondesh:
• Fuel Subsidies: Historically, fuel subsidies were a major expenditure. If the government had to borrow heavily to maintain these subsidies during periods of high oil prices, it would significantly impact the national debt.
• Education Loans (e.g., PTPTN): While PTPTN loans are designed to be repaid, the implicit subsidies (lower-than-market interest rates, partial waivers, or difficulties in collection) mean the government bears a significant cost, which might necessitate borrowing if not adequately covered by revenue.
• Housing Subsidies/Affordable Housing Schemes: Government-backed affordable housing initiatives often involve direct subsidies or subsidized financing, requiring government expenditure, potentially necessitating borrowing.
Di Brunei petrol lebih murah dari kl haha!π€£π€£π€£
BalasHapusnich buktinyaaaa
✅️RON 95 di Brunei dihargai 0,53 Dollar Brunei atau sekitar Rp6.400 per liter,
V-Power RON 97 dijual dengan harga 0,88 Dollar Brunei atau setara Rp10.700 per liter.
❌️negriπ°kasino tempat para pembual haha!π€£π€₯π€£
RON 95: RM 2,05 (± Rp 8.073)
RON 97: RM 3,21 (± Rp 12.640)
Diesel Euro 5: RM 2,93 (± Rp 11.530)
https://internasional.kontan.co.id/news/harga-bbm-di-malaysia-sangat-murah-jauh-di-bawah-pertalite-pertamax-shell
tetep diesel Solar rp 6800 kita lebih Murah dari kl, KALAH LAGIIII..haha!πππ
Di Brunei petrol lebih murah dari kl haha!π€£π€£π€£
BalasHapusnich buktinyaaaa
✅️RON 95 di Brunei dihargai 0,53 Dollar Brunei atau sekitar Rp6.400 per liter,
V-Power RON 97 dijual dengan harga 0,88 Dollar Brunei atau setara Rp10.700 per liter.
https://pifa.co.id/berita/harga-bbm-di-brunei-jauh-lebih-murah-dari-indonesia-ron-95-cuma-rp6-400-per-liter/
❌️negriπ°kasino tempat para pembual haha!π€£π€₯π€£
RON 95: RM 2,05 (± Rp 8.073)
RON 97: RM 3,21 (± Rp 12.640)
Diesel Euro 5: RM 2,93 (± Rp 11.530)
https://internasional.kontan.co.id/news/harga-bbm-di-malaysia-sangat-murah-jauh-di-bawah-pertalite-pertamax-shell
tetep diesel Solar rp 6800 kita lebih Murah dari kl, KALAH LAGIIII..haha!πππ
SHOPPING KITA PREMIUM
BalasHapus✅️rafale, kaan, boramae, apache, ppa, ah140, nasams, khan ibm600 dan AWEWE101 TERCANTIQ hahaπππ
Ratio Utang kita kecil, hanya 37% terhadap GDP
lha negriπ°kasino semenanjung kl, uda N⛔️ SHOPPING
Ratio Utang Besar 82% terhadap GDP
ituw tandanya DEFISIT ABADI, no bisnis, no moni, Tarik Utang tetusz tiap bulan alias DMISKINOS, pembual, Ktipu Lagiii haha!ππ€₯π
Ya ampuuun.... JEPANG sungguh MENGERTI terhadap Malondesh yang TIDAK PUNYA UANG SHOPPING.
BalasHapusJEPANG pun HIBAH Drone LILIPUT untuk Malondesh agar Malondesh TIDAK TANTRUM KEPANASAN sambil Loncat Loncat kesana kemari karena IRI DENGKI dan SAKIT HATI kepada INDONESIA yang MAMPU Produksi UAV MALE Elang Hitam dan UAV MALE DID 3.11
Itu CARA BRILLIAN JEPANG hibahkan drone LILIPUT untuk MERENDAHKAN Malondesh LEBIH RENDAH daripada FILIPINA yang MAMPU SHOPPING RADAR GCI Made in Japan.
BalasHapusLEVEL Diplomasi Malondesh itu sekelas dengan Timor Leste
BalasHapushttps://youtu.be/sJr6nSk1YtQ?si=c7wBYMqq91SjWoz6
AUSTRALIA saja HENGKANG dari Timor Leste, sekarang Malondesh datang ke Timor Leste Merasa sebagai PAHLAWAN.
Netizen Indonesia tertawa terbahak-bahak dong
WKWKWKWK
HAHAHAHA
the Philippines purchased four air surveillance radars from Japan's Mitsubishi Electric Corporation in a 2020 deal worth approximately $103 million, receiving the first unit in late 2023. These Mitsubishi FPS-3ME systems are designed to enhance the Philippine Air Force's (PAF) air and sea surveillance capabilities, particularly in the South China Sea, and aim to cover "blind spots" in the nation's airspace. Three more radars are expected to be delivered to the Philippines by 2026.
BalasHapusFILIPINA LEBIH KAYA daripada Malondesh karena MAMPU SHOPPING RADAR GCI Made in Japan.
Malondesh hanya mampu TERIMA HIBAH Drone LILIPUT dari JAPAN.
JAPAN memang BRILLIAN MERENDAHKAN Malondesh dengan cara berikan HIBAH Drone LILIPUT untuk Malondesh
INDONESIA siap KIRIM 20.000 personel PASUKAN PEACE KEEPING FORCE di GAZA dan Daerah Konflik lainnya
BalasHapushttps://youtu.be/Lv0m2BlJmAg?si=WC6Ur4OvAeTH_Iyj
INDONESIA masuk sebagai Anggota Tim KECIL Pembentukan Negara Palestina di PBB dengan Ketua Tim adalah PRANCIS
BalasHapushttps://youtu.be/GqkCGZfx_2o?si=mbfNL1554Z9u_HNI
MEMEK BABI TOLOL ANAK LONTE 25 September 2025 pukul 08.27
BalasHapusOperasi drone canggih ini memerlukan IQ lebih dari IQ78.
Itu sebab Jepun bagi ke Malaysia bukan Indon!
π€£π€£π€£π€£π€£π€£π€£π€£π€£π€£π€£π€£___________
JEPANG KASIH DROJE INI BUKAN SEBAB MALAYSEWAπ²πΎ/MALAYDESH π²πΎ KAYA...
TAPI
SEBAB MALAYDESH π²πΎ/MALAYSEWAπ²πΎ MISKIN... 4 BIJI HELI SEWA PIN TAK MAMPU BAYAR N BATAL.
MANA NGEMIS PESAWAT HORNETS BEKAS, LOW QUALITY PULA.. NAH KARENA ITU JEPANG KASIH DRONE MUNGIL INI.
INDONESIA BELI DROEN GERGASI N CANGGIH
-6 CH-4B MALE UCAV REAL.. DILENGKAPI MISSILES.
ON ORDER
-9 or LEBIH BAYRAKTAR AKINCI HALE UCAV.
-60 or LEBIH BAYRAKTAR TB-3 MALE UCAV.
-12 TAI ANKA-S MALE UCAV.
ON DEVELOPMENT
DIRGANTARA ELANG HITAM MALE UAV/UCAV.
BELUM RATUSAN JENIS DRONE SEPERTI YG DI FOTO
MEMEK BABI TOLOL ANAK LONTE 25 September 2025 pukul 08.27
BalasHapusOperasi drone canggih ini memerlukan IQ lebih dari IQ78.
Itu sebab Jepun bagi ke Malaysia bukan Indon!
π€£π€£π€£π€£π€£π€£π€£π€£π€£π€£π€£π€£___________
JEPANG KASIH DROJE INI BUKAN SEBAB MALAYSEWAπ²πΎ/MALAYDESH π²πΎ KAYA...
TAPI
SEBAB MALAYDESH π²πΎ/MALAYSEWAπ²πΎ MISKIN... 4 BIJI HELI SEWA PIN TAK MAMPU BAYAR N BATAL.
MANA NGEMIS PESAWAT HORNETS BEKAS, LOW QUALITY PULA.. NAH KARENA ITU JEPANG KASIH DRONE MUNGIL INI.
INDONESIA BELI DROEN GERGASI N CANGGIH
-6 CH-4B MALE UCAV REAL.. DILENGKAPI MISSILES.
ON ORDER
-9 or LEBIH BAYRAKTAR AKINCI HALE UCAV.
-60 or LEBIH BAYRAKTAR TB-3 MALE UCAV.
-12 TAI ANKA-S MALE UCAV.
ON DEVELOPMENT
DIRGANTARA ELANG HITAM MALE UAV/UCAV.
BELUM RATUSAN JENIS DRONE SEPERTI YG DI FOTO
MEMEK BABI TOLOL ANAK LONTE 25 September 2025 pukul 08.27
BalasHapusOperasi drone canggih ini memerlukan IQ lebih dari IQ78.
Itu sebab Jepun bagi ke Malaysia bukan Indon!
π€£π€£π€£π€£π€£π€£π€£π€£π€£π€£π€£π€£___________
JEPANG KASIH DROJE INI BUKAN SEBAB MALAYSEWAπ²πΎ/MALAYDESH π²πΎ KAYA...
TAPI
SEBAB MALAYDESH π²πΎ/MALAYSEWAπ²πΎ MISKIN... 4 BIJI HELI SEWA PIN TAK MAMPU BAYAR N BATAL.
MANA NGEMIS PESAWAT HORNETS BEKAS, LOW QUALITY PULA.. NAH KARENA ITU JEPANG KASIH DRONE MUNGIL INI.
INDONESIA BELI DROEN GERGASI N CANGGIH
-6 CH-4B MALE UCAV REAL.. DILENGKAPI MISSILES.
ON ORDER
-9 or LEBIH BAYRAKTAR AKINCI HALE UCAV.
-60 or LEBIH BAYRAKTAR TB-3 MALE UCAV.
-12 TAI ANKA-S MALE UCAV.
ON DEVELOPMENT
DIRGANTARA ELANG HITAM MALE UAV/UCAV.
BELUM RATUSAN JENIS DRONE SEPERTI YG DI FOTO