Nur Amirah Tan

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Young Money Idea

Travellers

Minimum Wage

Malaysian Economy

The increment of minimum wage from RM 1200 to RM 1500 is for sure a good news for the employee as it allow them breathe a little more, especially after the recent inflations.
But that&rsquo;s basically it, a good news for the employee but not for the employer nor the traveller.
How it affect the travellers
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn1.myc.com.my/image/upload/v1657790731/unsigned/xxzx68abd4kjblenvtbi.webp" alt="" width="760" height="380" />
In order for employers to pay their workers according to the minimum wage, they have to increase their income by ultimately raising the goods and service prices.
Consequently every sectors have been elevating their rates to keep their employee in place including the budget hotels.
Thus for travellers with tight budgets that wants to visit Malaysia, they will be having a second thoughts after reviewing the cost of a budget hotel here.
Plus, is not just the hotels that they need to look into, they have to consider budgets for all the foods and transportations as well. But poof, we just lost our potential friend :&rsquo;(
From the service provider perspectives
The director of Malaysia Budget and Business Hotel Association (MyBHA) insisted that the increase of 20 to 60 percent of their rates is an immediate implications of the increase of minimum wage.
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn1.myc.com.my/image/upload/v1657790859/unsigned/c6juqucvs9j1qqom0x7f.gif" alt="" width="480" height="268" />
He then firmly added that there is no possible room to decrease the rate and state that &ldquo;our profit margin is already slim, unlike five-star and above hotels.&rdquo; Thus, continue to say &ldquo;In fact, luxury hotels are offering heavy discounts to woo guests, but they are still able to maintain their profit margin."&nbsp; He is brave, isn&rsquo;t he?
Does the increase of minimum wage really help the people?
Here are some comparison of the Malaysian and Poland minimum wage found on a thread in twitter:
<blockquote class="twitter-tweet">
Looked at Poland. Their minimum wage is RM2,900 and after taxes &amp; other deductions, take-home is RM2,300. RM2,300 is equivalent to a gross of RM2,680 in Malaysia ie 80% higher than our minimum wage. Cost of living is about the same. No wonder they can tahan the inflation <a href="https://t.co/Zv6F6A4kOj">pic.twitter.com/Zv6F6A4kOj</a>
&mdash; khalid karim I love my Rakyat (@khalidkarim) <a href="https://twitter.com/khalidkarim/status/1544333196636344325?ref_src=twsrc%5Etfw">July 5, 2022</a></blockquote>

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And some even made the comparison of minimum wage and the ministers&rsquo; salary. 36 times?? That&rsquo;s crazy, no wonder people are fighting to get a seat in the cabinet even though they didn&rsquo;t fit.
<blockquote class="twitter-tweet">
i make this one, really sad our min wage too low <a href="https://t.co/jRBZQysYbd">pic.twitter.com/jRBZQysYbd</a>
&mdash; potteh_23 🇲🇾🏴&zwj;☠️STOP MRT3 (@23Potteh) <a href="https://twitter.com/23Potteh/status/1546349036072222720?ref_src=twsrc%5Etfw">July 11, 2022</a></blockquote>

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Hope this helps in answering whether it helps the people or not; the existing minimum wage is still not enough for the people. However it is still considered as an improvement, it&rsquo;s just need to keep increasing :)
Do share your thoughts and let us know in the comments.
*Sources: Visual and Reference Credits to Social Media, NST &amp; various cross references for context.
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The rise of minimum wage has a downside of affecting those who came in to Malaysia.

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Minimum Wage: A Nightmare For Travellers

Let&rsquo;s be real here, many of us Malaysians frequently shop online and if you were to check your own Shopee basket, you&rsquo;ll definitely have stuff that you have not checked-out yet, am I right?
<img src="https://media1.giphy.com/media/9rhNJScGSlneHpLtnz/giphy.gif?cid=790b76117df12e78855b845abfcf61963ab7c55d704e5ff6&amp;rid=giphy.gif&amp;ct=g" alt="Raise Hand GIF by Nick Jonas" />
&nbsp;
But when it comes to shopping especially if it&rsquo;s for luxury goods online, we must always ensure that the we are purchasing the goods from a trustworthy seller and prevent ourselves from falling victim to scams operation.
For those who&rsquo;ve been following social media, you may of came across the story of a couple in Singapore who&rsquo;ve built a lavish lifestyle by scamming others.
<img src="https://cdn1.myc.com.my/image/upload/v1660291660/unsigned/icwbrrg0y5ki80kwrnqu.webp" />
&nbsp;
Meet 26-year-old Singaporean man Pi Jiapeng and his 27-year-old Thai national wife, Siriwipa Pansuk. His wife had founded a company which allegedly helps buyers from Singapore to procure luxury goods such as clothing items, handbags, jewellery, and watches. The two had also met on Tinder before marrying and going into business together.
<img src="https://cdn1.myc.com.my/image/upload/v1660291671/unsigned/wc0m6fcd9prbwq7zhb4t.jpg" />
&nbsp;
The two had took clients out for expensive meals and invited them to a well decorated landed-home along Holland Road as well. The couple had built a reputation for this business called &ldquo;Tradenation and Tradeluxury&rdquo; as they engage in procurement of luxury goods. The main reason why their business went well was due to social media influencers bolstering reviews about their physical stores as well as their e-commerce platform via Carousell.
<img src="https://cdn1.myc.com.my/image/upload/v1660291689/unsigned/kn8ptzpgzkhprcfpabbi.png" />
&nbsp;
However, many had started suspecting the two when they would repeatedly made excuses as they could not fulfil orders after customers paid them. Multiple reports were made against the company with one customer allegedly losing out SGD $180,000 (~RM583,721.69).
Pi had bene arrested by the police and had his passport impounded, but was later released on bail. Meanwhile, Siriwipa had surrendered her passport and was cooperative with the investigation at the time before both of them had became unreachable.
Escaping Singapore to Malaysia
<img src="https://cdn1.myc.com.my/image/upload/v1660291772/unsigned/ccdosvimjvzha346dt5q.jpg" />
&nbsp;
As police investigate their case, the two had allegedly escaped Singapore by hiding in a Malaysian-registered lorry. The 40-year-old driver had been detailed for abetting the duo as well as a 38-year-old man who colluded with them. Red notices were given to them by Interpol which are usually issued if fugitives are wanted for prosecution or to severe sentence.
On August 11, the two were officially arrested by Malaysian authorities after Singaporean police had received a tip-off from the Royal Thai Police as they were said to be staying in a hotel in Johor Bahru. The two were later handed over to Singaporean law-enforcement officers at the Woodlands Checkpoint.
The two will be charged of criminal conspiracy to commit cheating and illegal departure and is expected to be charged today. The two had scammed an estimated amount of SGD $32 Million (~RM103 Million) in in unfulfilled orders as there is a total of 180 reports made against them.
This is a lesson for all as we should always be careful when purchasing goods online as well as not to scam people for a living or else, you&rsquo;ll end up like these two. 
&nbsp;
*Sources: Visual and Reference Credits to Social Media, The Straits Time, Mothership, CNA &amp; various cross references for context.
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The two had scammed Singaporeans a total of RM103 million and have 180 police reports on them.

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Wanted Scammer Couple From SG Arrested In Johor

Last month, many Marvel fans had felt disappointed over the fact that Thor: Love and Thunder was delayed and announced that it won&rsquo;t be playing on the big screens in our local cinemas.
Read: <a href="https://myc.my/articles/1488/disney-announces-that-thor-love-and-thunder-wont-be-screening-in-malaysia">Disney Announces That 'Thor: Love And Thunder' Won&rsquo;t Be Screening In Malaysia</a>
But the main question lingered, why was it not screened?
<blockquote class="twitter-tweet">
Thor: Love and Takde. Officially. ⚡️💔 <a href="https://t.co/4iMZbOcs7j">pic.twitter.com/4iMZbOcs7j</a>
&mdash; GSC #PengabdiSetan2 (@GSCinemas) <a href="https://twitter.com/GSCinemas/status/1552495183035387905?ref_src=twsrc%5Etfw">July 28, 2022</a></blockquote>

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Well, it seems like Deputy Communications and Multimedia Minister Zahidi Zainul Abidin has finally confirmed that the movie was banned due to LGBT elements.
The revelation was revealed during a Q&amp;A session in the <a href="https://www.youtube.com/watch?v=TWw3-eaHyy4&amp;t=3528s">Dewan Negara</a> on 10 of August.
PAS Senator Datuk Ahmad Yahya had questioned if the Ministry of Communications and Multimedia (KKMM) will be looking towards enhancing the law to prevent the number of movies that promote ideologies that are not in line with the religions and cultures of the country.
Additionally, he also lauded KKMM for its firmness on banning movies such as Walt Disney&rsquo;s Lightyear recently.
<img src="https://c.tenor.com/gcGnkke2M5IAAAAC/lightyear-buzz-lightyear.gif" />
&nbsp;
"Lately, there was a movie that failed to pass our censorship (board), and&nbsp;that was the latest&nbsp;Thor movie," he said.
"(It was banned) because it mentioned LGBT but we see right now there are many films with LGBT elements that slip past the censorship."
More films including LGBT elements
<img src="https://cdn1.myc.com.my/image/upload/v1660283775/unsigned/auiwdkyqdam2edabcagw.png" />
&nbsp;
As there are more films coming out, identifying these elements are becoming more subtle.
He references the historic film of Alexander the Great which he had watched when he was younger. In the film, Alexander and his confidant had come back from somewhere with tired faces, implying that the duo had &ldquo;done something&rdquo;
"That's how they promote LGBT," he said, adding, "Now there are many films on television, that passed (censorship), are full of LGBT elements. So, if there are those that slipped past censorship,&nbsp;we ask the community to help us,&rdquo; he said.
Ministry taking further action towards those who promote LGBT culture
Now with social media being the most influential tool out there, the ministry will be looking out for individuals who promote the culture in Malaysia.
One prime example of who they attempted to take action towards was Nur Sajat who had fled the country and obtained citizenship elsewhere.
Read: <a href="https://myc.my/admin/youth-issues/Australia%20Grants%20'Reborn'%20Sajat%20'Her'%20Gender%20Status">Australia Grants 'Reborn' Sajat 'Her' Gender Status</a>
"They are number one in promoting (LGBT). But we can't capture them. So, with a joint effort of the religious departments and the government, we will prevent LGBT culture from spreading."
Malaysia has a law which promote racial and religious tolerance but will not show tolerance towards male or female homosexuality. According to the federal penal code, those found guilty will face a prison sentence of up to 20 years and mandatory whipping.
How much control can the Malaysian government take over films?
<img src="https://cdn1.myc.com.my/image/upload/v1660283801/unsigned/j9ziiltkpeaavpvnvyws.webp" />
&nbsp;
As much as they would like total control, the government can&rsquo;t do much and can&rsquo;t control companies with online streaming and over-the-top (OTT) platforms as they are based abroad. One example is Netflix, although they have a Malaysian office, their main HQ is based abroad.
According to Zahidi, the provisions in the Communications and Multimedia Act 1998 do not include censorship of such content. It is also spelled out under Section 3(3) he said.
OTT services such as Netflix are not like public broadcast services or private institutions in the country therefore, they don&rsquo;t need to answer to existing laws involving licencing and censorship in the country.
To end it off, Zahidi urges all Malaysians to practice self-control and use their own judgement before viewing such content.
What are your thoughts on this? Let us know in the comments.
&nbsp;
*Sources: Visual and Reference Credits to Social Media, Parliament Malaysia, Variety &amp; various cross references for context.
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During the Dewan Negara, the Deputy Communications and Multimedia Minister gave the official reason behind why Thor: Love and Thunder was banned in Malaysia.

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Government To Take Strict Action Towards LGBT Community And Films In Malaysia

Last time, our Transport Minister publicly announced the proposal of <a href="https://myc.my/articles/1540/government-to-lower-the-age-limit-for-vocational-license-to-18-causes-rage">lowering the age limit for vocational license to 18</a>, and deemed that it is to encourage young people into the gig economy.
Consequently, a lot of people have questioned the practicality of the bill itself. In their eyes, the bill was full of flaws and will ultimately chase away the youngsters; which is the contrary of the initial aim of the bill claimed by the government.
2 days after the bill introduction, Datuk Seri Dr Wee Ka Siong made a press conference to correct his previous statements.
<img src="https://s.yimg.com/ny/api/res/1.2/G1pL5u3TxoHaiZ7.0Y5ZHA--/YXBwaWQ9aGlnaGxhbmRlcjt3PTY0MDtoPTQyNg--/https://s.yimg.com/uu/api/res/1.2/925QK.2_vC30aKcSr6yC6w--~B/aD02NjY7dz0xMDAwO2FwcGlkPXl0YWNoeW9u/https://media.zenfs.com/en/mmail.com.my/5cd8611a697b0afdf2cfb0bafaf80b76" alt="Malaysia's cabotage issue: Three questions for Wee Ka Siong" />
He clarifies that delivery riders will NOT be needing the GDL to operate nor do they have to undergone the Puspakom inspection:
&ldquo;Yesterday, I watched a few videos that alleged we are forcing all p-hailing riders to take the GDL test, and some are also saying they will need a Puspakom inspection [for their vehicles]. I feel that that&rsquo;s not right.
He said, &rdquo;the amendments we are making to Act 333 of the Road Transport Act are only meant to regulate the p-hailing industry and [determine] how we are going to register those who are involved in this industry as p-hailing riders.&rdquo;
<img src="https://cdn1.myc.com.my/image/upload/v1660286216/unsigned/aje1kntmyiqzuvdhqwxp.gif" width="297" height="261" />
Relatively, a new type of vocational license is what they initially aimed to launch for the delivery riders.
&ldquo;I promise you this is absolutely not the same as a GDL, which is meant for four-wheeled vehicles and requires drivers to take a special course and undergo a stringent process to obtain it. That is not the case,&rdquo; Wee insisted.
The Ministry wants to officially register the delivery riders with this new system. For now, since the license is in the early stage, it will function as a form of recognition of the delivery riders.
As for the price, it will cost &ldquo;only a few ringgit, not even RM10&rdquo;, &ldquo;subject to discussion with all stakeholders,&rdquo; said the Transport Minister.
<img src="https://cdn1.myc.com.my/image/upload/v1660286360/unsigned/x1v1jx7xgqbsxniyhm9k.gif" />
Additionally, Datuk Seri Wee Ka Siong promised to provide a one-year moratorium to encourage the riders to request the license themselves.
Moratorium: a legally authorized period of delay in the performance of the payment.
Hmm&hellip; maybe it&rsquo;s not a bad proposal&hellip;
But still, the license requires riders to attend an introductory course.
<img src="https://wheelstrainingcentre.com/wp-content/uploads/2018/02/motorcycle-course.jpg" alt="Driving &amp; Motorcycle School Calgary | Wheels Training Centre" />
Instead of sitting for a full test, the riders will need to attend an approximate of 3 hours course to obtain the license.
This is done based on the concern of the report by Malaysian Institute of Road Safety Research (MIROS) shared by the Transport Minister:
&ldquo;62% of delivery riders stopped in yellow boxes and pedestrian walkways. Another 14% used handphones while riding, while 7% of them ran red lights and made illegal U-turn; 3% of them rode against traffic flow.&rdquo;
For your information, this study was done using the &ldquo;Integrated Transport Information System (ITIS) to monitor the riding behavior of 16,038 riders on 11 roads in Kuala Lumpur.&rdquo;
All in all, &ldquo;we&rsquo;re creating this license to tell these riders nicely: do your jobs carefully,&rdquo; said Wee Ka Siong.
<img src="https://cdn1.myc.com.my/image/upload/v1660286774/unsigned/liduewbdawx5icxlqz02.gif" />
Well, all cleared now. It is definitely better from the news we heard earlier this week. Plus, it is done for a better cause. Do you agree? Do share your thoughts and let us know in the comments.
*Sources: Visual and Reference Credits to Social Media, Soya Cincau &amp; various cross references for context.
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Wee Ka Siong clarifies his means regarding the usage of the ‘vocational license’.

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Correction: P-Hailing Riders CAN Operate Without GDL

Hana, dul, set! Find your TREASURE!
Good news for all the Malaysian TREASURE MAKERS out there! TREASURE is collaborating with Korean convenience store emart24, and soon you can all begin the TREASURE hunts of your lives.
The campaign kicked off in South Korea in February 2022, and it is being launched locally to celebrate the first anniversary of the emart24&rsquo;s opening in Malaysia. Woohoo!
<blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/Cg5hXyigrug/?utm_source=ig_embed&amp;utm_campaign=loading" data-instgrm-version="14">
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The TREASURE X emart24 is the K-Pop boyband&rsquo;s first-ever collaboration with a Korean convenience store in Malaysia, and there is a variety of snacks and drinks that will suit their fans, the TREASURE MAKERS.
These exclusive TREASURE-branded products are available in local emart24 stores nationwide, from 7 August 2022 until June 2023.
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn1.myc.com.my/image/upload/v1660282067/unsigned/pmbmhyp8beooegswl5lf.jpg" alt="" width="690" height="460" />
&lsquo;Malaysia was emart24&rsquo;s first foray outside South Korea and we have opened more than 20 stores throughout the Klang Valley in our first year. We plan to have at least 40 stores by the end of 2022, and 300 stores over the next five years,&rdquo; said Vuitton Pang, Chief Executive Officer of the emart24 Malaysia franchise. &nbsp;
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn1.myc.com.my/image/upload/v1660281387/unsigned/ye05qupclvdlsancjmsj.jpg" alt="" width="409" height="614" />
&ldquo;emart24 is the fastest-growing convenience store in South Korea and we hope to replicate that success here. We are grateful to our principal and customers for their support over the past year and look forward to bringing the emart24 experience to more communities soon,&rdquo; he added.
While the fresh food will be produced locally under strict quality control, emart24 will also be selling TREASURE x emart24 snacks and pouch drinks especially imported for the campaign.
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn1.myc.com.my/image/upload/v1660281337/unsigned/ixqark2q22dhhl7smoy5.jpg" alt="" width="565" height="377" />
The release dates for the first wave of TREASURE x emart24 products are:
<ul>
<li>7 August 2022 (Week 1)&ndash;TREASURE Coffee&ndash;Hot Latte and Hot Americano(with cr&egrave;me brulee flavour)</li>
<li>13 August 2022 (Week 2)&ndash;TREASURE Cupbap&ndash;TREASURE Chicken Mayo and TREASURE Japanese Curry Chicken</li>
<li>20 August 2022 (Week 3)&ndash;TREASURE Cupdak&ndash;TREASURE Cheezy Korean Fried Chicken</li>
<li>27 August 2022 (Week 4)&ndash;TREASURE Samgak Gimbap&ndash;TREASURE Chicken &amp; Tuna Mayo and TREASURE Jeonju Bibim Beef</li>
<li>3 September 2022 (Week 5)&ndash;TREASURE Pouch Drinks&ndash;TREASURE Americano Black Coffee and Americano Hazelnut Coffee&nbsp;</li>
</ul>
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn1.myc.com.my/image/upload/v1660281463/unsigned/zmu0untptschsrcjr7yz.jpg" alt="" width="406" height="798" /><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn1.myc.com.my/image/upload/v1660281492/unsigned/xqig7rxiy8x3hdevxzvg.jpg" alt="" width="405" height="796" />
The food options in Malaysia&rsquo;s emart24 stores range from ready-to-eat snacks such as gimbap (seaweed-wrapped rice rolls )to fast food hot dishes such as cupbap (rice in a paper cup with a variety of toppings), cupdak and cupmyeon (ramyun in a cup).The store&rsquo;s cold offerings includes now bingsu (shaved ice) desserts, Cake-in-Cup, and soft serves.
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn1.myc.com.my/image/upload/v1660281534/unsigned/dhnmbf2ji7jq8nael55o.jpg" alt="" width="418" height="730" />
At outlets with a Reserve Caf&eacute;, customers can expect bakery items such as buns, pastries and other desserts. emart24also serves a variety of drinks, including the recently launched Cold Brew Coffee which is steeped for 20 hours, and Cold Brew Tea, which is steeped for 12 hours.
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn1.myc.com.my/image/upload/v1660281560/unsigned/jqquslozqhvcnagrlk9n.jpg" alt="" width="279" height="548" /><img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn1.myc.com.my/image/upload/v1660281582/unsigned/w5g4hhpyh4ddd1ae7mao.jpg" alt="" width="284" height="661" />
But hold on- we are not only celebrating emart24&rsquo;s anniversary this August.
Debuting on August 7th, 2020, this month also marks the young YG Entertainment boy group&rsquo;s 2nd Year Anniversary. Congratulations!
TREASURE made its debut in 2020 with THE FIRST STEP: CHAPTER ONE, the group&rsquo;s first short single album hitting No. 1 on the South Korean record charts. They then released THE FIRST STEP: CHAPTER TWO followed by the chart-topping THE FIRSTSTEP:CHAPTER THREE. Their full-length album THE FIRST STEP: TREASURE EFFECT in 2021 also soared to the top of the charts and their latest album, THE SECOND STEP: CHAPTER ONE in February 2022 is their fourth album to debut at No. 1.
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://c.tenor.com/l9bGqTyFZWEAAAAd/yg-treasure-treasure-maker.gif" alt="Yg Treasure Treasure Maker GIF - Yg Treasure Treasure Maker Kpop GIFs" width="432" height="250" />
Here's their most recent song, released this year.
<iframe src="https://www.youtube.com/embed/ZJaKdBBzUYk?list=PLG4U66ceLh821X8GQr2mNKzM2to9xBp1V&amp;index=1" width="560" height="314" allowfullscreen="allowfullscreen"></iframe>
Are you excited to try it out? ! Head to your nearest emart24 store and find your TREASURE! &nbsp;Do share your thoughts and let us know in the comments.
*Sources: Visual and Reference Credits to Social Media and various cross-references for context.
FOMO much? Follow our&nbsp;<a href="https://www.facebook.com/mycclub/">Facebook</a>&nbsp;and&nbsp;<a href="https://www.instagram.com/myc_news/?hl=en">Instagram</a>&nbsp;for more updates.

Find your TREASURE! Malaysian TREASURE MAKERS can now hunt for exclusive TREASURE products at their nearest emart24 stores nationwide.

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Find Your TREASURE With emart24 x TREASURE Collaboration

30 out of 114 victims of human trafficking caused by job scams have been able to safely return to Malaysia while the rest are still trapped overseas, according to Datuk Seri Michael Chong, The MCA Public Services and Complaints Department Head. He added that a ransom of RM 80,000 to RM 100,000 had been requested by the traffickers to release these victims.
54 victims had been trafficked to Cambodia, 29 to Myanmar and 11 to Laos, declared Datuk Seri Michael Chong.&nbsp;&nbsp;
He commented that "We all at MCA feel very sad because despite our warnings and efforts to educate the public against seeking jobs overseas along with the police, NGOs, and opposition parties, this is still happening.&rdquo;&nbsp;&nbsp;
"They even lied to their families to work there but when they arrived there, they could not get out and had to pay a ransom.&rdquo; Chong elaborated, "Now they are not only targeting Chinese but also Malays,"
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn1.myc.com.my/image/upload/v1660276675/unsigned/x7vjfirvf7htaev4gt5r.jpg" alt="" width="414" height="972" />
Source: Unsplashed&nbsp;
<h2>Victims Falling Prey To Job Scams&nbsp;</h2>
One victim had been imprisoned by the traffickers for 3 years and sold to different trafficking organisations 4 times. He had been found out to be in Laos.&nbsp;
Four women, whose family members had been trafficked, were present at the media conference addressing the issue of fake job agencies and their crime of human trafficking.
Yap, 48, had lost track of her 26-years-old nephew after he had gone to Laos for job seeking. It had later been discovered that he had been tricked. Now he is working as a scammer there. He is forced to work over 12 hours per day, but his failure to reach such a goal will result in him facing two more hours of work and punishment of beatings. His family needs to pay a RM113,00 ransom to rescue him.&nbsp;
Alinda, 50, from Johor Baru, said that her 22-years old son had departed to Dubai to land a customer service job after he had heard it from an acquaintance.&nbsp;
"After three weeks in Dubai, my son told me the company went bankrupt and they were sent to Cambodia.&rdquo; Said she.
&nbsp;&ldquo;When in transit in Singapore, two of his friends managed to run away but he failed.&rdquo; She added. "He's working as a scammer with six others. One of them is a Malay girl from Kedah and five others are Chinese,"
She mentioned that she had failed to reach out to his son&rsquo;s acquaintance who had recommended him the job.&nbsp;
Tiong, 48, said she had warned her son about his job offer in Cambodia, advising him not to accept it. She indicated that his disappearance after going on a vacation to Taiwan last Wednesday (August 3, 2022)&nbsp; has to do with him being conned to Cambodia.&nbsp;
A message from one 35 years old victim asking for help for his detained status in Cambodia had been received by his wife, Chong, 27. Fortunately, he had been able to leave the country two weeks ago.&nbsp;
"Please lodge a police report if your family members are victims because the police will take action real soon," Chong said.
<h2>Job Scams and Human Trafficking in Malaysia&nbsp;</h2>
Starting from April 2022, there have been cases about job scams tricking people to other countries and trapping them there. The job scammers most likely make use of the pain point of Malaysians eagerly searching jobs when the economy is unstable. People have been lied about a job opportunity with a decent amount of wages overseas, then coerced to become scammers themselves. To find out more information regarding this issue, check out this article that explains such events in detail : <a href="https://myc.my/articles/1377/syndicate-who-lured-malaysians-into-job-scams-arrested">Syndicate Who Lured Malaysians Into Job Scams Arrested &bull; MYC! Malaysian Youth Community</a>
Just a gentle reminder that there are many job scams in Malaysia now. Do beware of them when selecting your job. Let's hope that the victims can return soon!
*Sources: Visual and Reference Credits to Social Media,&nbsp; Unsplashed, The Star &amp; various cross references for context.

 “When in transit in Singapore, two of his friends managed to run away but he failed.” A family member of a victim said.

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84 Malaysians Are Still Missing After Falling Victim To Job Scams Abroad 

Pencapaian anak muda adalah sesuatu yang perlu diraikan agar ia boleh membangkitkan semangatnya untuk terus melakar sejarah dan menjadi inspirasi kepada anak muda yang lain.
Begitulah juga dengan perkembangan adik Muhammad Khawarizmi ini yang berupaya untuk mereka bentuk dan mencipta roket bahan api pepejalnya sendiri pada umur 9 tahun
Siapakah saudara Muhammad Khawarizmi ini?
<img src="https://assets.hmetro.com.my/images/articles/UTA_Khawo_HMfield_image_listing_featured_v2.var_1659654083.jpg" alt="Ada saintis dalam Khawo!" />
Beliau kini adalah pelajar tingkatan 1 Sekolah Menengah Kebangsaan Dato&rsquo; Syed Omar, Alor Setar, Kedah.
&nbsp;
Pencapaian terdekatnya adalah mencipta aplikasi telefon untuk mengawal peluncuran dan pergerakan roketnya sendiri dengan menggunakan perisian CAD (Computer-aided design) Fusion 360.
CAD Fusion 360 ini adalah perisian yang digunakan untuk melakar permodelan produk dalam bentuk tiga dimensi (3D).
Beliau juga berjaya menyediakan atur cara mesin analisis di makmal dalam penghasilan bahan api roketnya, berkat dukungan dari ayahnya sendiri.
Anak yang hebat itu datangnya dari ibu bapa yang hebat.
<img src="https://cdn1.myc.com.my/image/upload/v1660192307/unsigned/q85auuydhedm79fbonrr.gif" />
Begitulah jua dengan kisah adik Muhammad Khawarizmi yang mendapat sokongan penuh dari ayahnya sejak kecil lagi.
Ayahnya, Muhammad Kamalrul, 38, sedang berkhidmat sebagai Penolong Pegawai Sains di Jabatan Kimia Malaysia, Kedah. Sebelumnya beliau pernah bekerja di Bahagian Forensic Toxicology, ibu pejabat Jabatan Kimia Malaysia, Petaling Jaya.
Wahh, gah betul bunyi jawatan encik Kamalrul ni ya😎
&nbsp;
Muhammad Khawarizmi ada berkongsi tentang ayahnya semasa temu bual bersama Bernama baru-baru ini:
&nbsp;
"Saya dan ayah mengkaji dan melakukan semuanya ini tanpa sebarang asa pengetahuan. Kami banyak membuat eksperimen sehinggalah berjaya menghasilkan roket tersebut setahun kemudian, ketika saya berumur 10 tahun,"
&nbsp;
Kisah mereka ini menunjukkan betapa pentingnya memberikan peluang eksplorasi kepada anak-anak oleh ibu bapa mereka dari kecil lagi. Ia juga akan lebih berkesan apabila ibu bapa itu sendiri melibatkan diri dalam proses tersebut.
Anak sulung dari 3 beradik ini mula mendapat perhatian pada tahun 2019
Satu video berdurasi 2 minit 9 saat yang telah di muat naik ke youtube pada tahun 2019 mendapat perhatian ramai.
Video tersebut memaparkan proses pembuatan model roket bahan api pepejal yang dibuat oleh Muhammad Khawarizmi sendiri, dari pembuatan lakaran objek dalam perisisan CAD sehinggalah pelancaran roket tersebut.
Lihat video penuh di bawah:
<iframe style="width: 531px; height: 298px;" src="https://www.youtube.com/embed/vRc0_wW6RCw" width="531" height="298" allowfullscreen="allowfullscreen"></iframe>
Video ini telah tular pada waktu itu dan orang ramai mula menggelar beliau sebagai "Rocketeer Termuda Malaysia".
Wahhh 👏👏👏
Apakah perkembangan terkini beliau?
<img src="https://img.astroawani.com/2022-08/41659587769_Rocketeer.jpg" alt="Kenali Muhammad Khawarizmi, 'rocketeer' termuda Malaysia | Astro Awani" />
Muhammad Khwarizmi berkongsi, "selepas menghasilkan roket, saya dan ayah terfikir untuk memindahkan pelancaran roket dalam bentuk animasi dan permainan dalam talian, jadi kami sama-sama mengkaji dan berjaya menghasilkan permainan berasaskan pendidikan sesuai untuk kanak-kanak dan remaja.
"Pada penghujung tahun 2020, saya sudah mula fokus kepada game developing, coding, programming dan pembentukan aplikasi yang dapat mengawal pelancaran roket dengan menggunakan telefon dan wireless," tambahnya.
Akhirnya, gandingan mereka berjaya menyiapkan permainan dalam talian yang disandarkan pada elemen pendidikan melalui perisian 4S Game.
Namun, buat masa sekarang, permainan dalam talian ini hanya ada pada peringkat pemain tunggal sahaja. Oleh itu, mereka sedang berusaha untuk menaik taraf permainan itu bagi mencapai peringkat berbilang pemain pula.
Bukan itu sahaja, dua beranak ini juga telah mencipta aplikasi telefon yang membenarkan ibu bapa mengawal akttiviti penggunaan komputer anak-anak mereka.
Wahh berapa banyak lagilah projek yang mereka sedang usahakan.
<img src="https://cdn1.myc.com.my/image/upload/v1660192839/unsigned/gedjub1nnuokpt9ihvrt.gif" />Rocke
Apapun, kami di sini sentiasa mendukung dan memerhatikan pencapaian adik Khawarizmi ini. Semoga kisah beliau dapat memberi inspirasi kepada anak muda dan juga kepada ibu bapa di luar sana.
Ibu bapa ini kan guru pertama anak-anak&hellip; Maka, gunakan lah masa anda dengan baik dalam melahirkan anak-anak yang hebat!
Bagaimana pula dengan anda? Ada cerita menarik yang anda ingin kongsikan? Kongsikan ia di ruangan komen dibawah!
*Sources: Visual and Reference Credits to Social Media, Astro Awani &amp; various cross references for context.
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Seawal umur 9 tahun, beliau berkebolehan mencipta dan mereka bentuk model roketnya sendiri!

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Muhammad Khawarizmi, ‘Rocketeer’ Termuda Malaysia

Di sebalik senyuman dan kesenangan yang sering dipaparkan di media sosial, ada cerita duka yang disembunyikan oleh para Influencer.
Memang bernar, puluhan malah ratusan ribu boleh dirangkul para Influencer ini dalam masa yang singkat, namun ada beberapa risiko yang perlu mereka tanggung setiap hari.
Kerjaya ini tidak kekal lama
<img src="https://cdn.nona.my/2022/03/443364.jpeg" alt="Pernah Jadi Jurulatih Zumba, Model &amp; Pelakon, Kini Nurin Afiqah Bergelar Usahawan Fesyen! - Nona" />
Seorang usahawan muda merangkap Content Creator, Nurin Afiqah, berkongsi bahawa kerjaya sebagai Influencer ini tidak akan bertahan lama. Beliau mengatakan bahawa beliau masih memerlukan kerja yang tetap sebagai sumber pendapatan utama:
&ldquo;Jadi seorang Influencer ni tak tetap. Kita masih perlukan sumber pendapatan yang lain untuk terus hidup dan kelayakan universiti lah yang akan membantu kita ketika memohon kerja nanti.
&ldquo;Macam saya sendiri, memang saya dapat duit dalam menjadi seorang Influencer ni sebab dapat upah untuk ulas barang-barang. Tapi saya selalu terfikir, berapa lama lagi kerja ni boleh bertahan. Takkan lah saya nak buat kerja ni sampai tua nanti.&rdquo; Tambah beliau dalam menegaskan bahawa kerjaya ini tidak akan kekal lama.
Beliau juga berpesan &ldquo;Jangan disebabkan duit korang jadi tamak&rdquo;
Haa dengar tu -,-
Kerjaya ini datang dengan risiko kepada kesihatan mental
<img src="https://cdn1.myc.com.my/image/upload/v1660033546/unsigned/dipbqjvkk7rg9wmb27zf.gif" width="417" height="334" />
Nurin juga mengatakan bahawa kerjaya ini tidak mudah dan boleh mengganggu kesihatan mentalnya. Selain dari belajar topik-topik baharu, beliau juga perlu memastikan dirinya sentiasa kelihatan menarik.
Beliau mengatakan yang &ldquo;Saya kena belajar make up, jaga pemakananan dan memastikan berat badan saya tidak naik.&rdquo;
&ldquo;Peminat saya tak tahu apa yang saya kena alami,&rdquo; tambah beliau. Selain daripada itu, Nurin berkata, seorang Influencer ini perlu sentiasa menjaga perasaan peminat untuk mengekalkan populariti yang ada.
Haih... Itulah lumrah kehidupan...
<img src="https://cdn1.myc.com.my/image/upload/v1660033770/unsigned/lny8qoa5bygr26tdqko3.gif" />
Kerjaya ini boleh menjadikan sesorang itu lemah semangat
<img src="https://cdn1.myc.com.my/image/upload/v1660033859/unsigned/mq30catjt8zbihatf0q9.jpg" alt="2 &ldquo;Syasya Fooad&rdquo; profil | LinkedIn" width="199" height="199" /><img src="https://www.midp.edu.my/wp-content/uploads/2022/01/B87CCC78-EB8B-4AA9-88CA-9514E99DF768-Cornflakes-Madu-edited-1.jpeg" alt="Trainers - Malaysian Institute for Debate and Public Speaking (MIDP)" width="198" height="199" />
Fatin Syasya atau lebih dikenali sebagai Syasya Madu pula berkongsi bahawa kerjaya Influencer ini &lsquo;mashuk&rsquo; tetapi melemahkan semangat seseorang.
Beliau menjelaskan bahawa &ldquo;adanya Cancel Culture di media sosial boleh menjadikan pendapat yang tulus bertukar menjadi buruk dan merosakkan imej dan perwatakan media sosial seseorang.&rdquo;
Beliau tambah bahawasanya, &ldquo;kebanyakan anak muda ni hanya melihat pada faedah yang mereka akan dapat sahaja. Seperti dapat produk percuma, gaya hidup yang gah dan dikenali ramai.&rdquo;
&ldquo;Apa yang mereka terlepas pandang adalah cerita di sebalik tabir itu&rdquo;, &ldquo;di mana, perwatakan media sosial ini boleh merosakkan kesihatan mental kita. (Contoh factor yang memberikan kesan seperti) bebanan, tanggungjawab dan tomahan yang dilemparkan sehari-harian.&rdquo;
Beliau juga mengatakan bahawa kesan dari kerjaya ini bukan sahaja pada dirinya sendiri tapi malahan ahli keluarganya yang lain juga.
Oleh itu, tak semua orang boleh menghadapi semua risiko dibalik kemegahan influencer ini.
Oleh itu, berfikirlah sebaik mungkin sebelum mahu menjadi Influencer ini. Ia tidak semudah yang kita sangka, banyak risiko yang perlu ditanggung dan tekanan ynag perlu dihadapi.
Jadi, apakah anda bersetuju dengan pendapat mereka? Jangan lupa untuk kongsikan pandangan anda di ruangan komen dibawah!
*Sources: Visual and Reference Credits to Social Media, The Star &amp; various cross references for context.
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“Influencer bukan kerjaya untuk jangka masa panjang”

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Influencer Sebagai Kerjaya: Dari Sudut Pandang Mereka Sendiri

Kepelbagaian kursus yang ditawarkan di institusi pengajian tinggi menjadika ia tempat yang strategik bagi siswa siswi menceburi pelbagai bidang dan seterusnya menjadi individu yang serba boleh.
Dalam konteks komuniti pula, menceburi pelbagai bidang dapat mengalakkan kerjasama di antara orang yang berlainan kemahiran untuk menghasilkan produk yang bermanfaat untuk mereka di dalam bidang yang berkenaan.
Sebagai contoh, 5 pelajar dari kursus perubatan dan kejuruteraan Taylor&rsquo;s University menyahut cabaran untuk meneruskan satu projek akhir tahun kursus kejuruteraan.
<img src="https://cdn1.myc.com.my/image/upload/v1659948590/unsigned/jugolvcjjetdppqnvv9q.png" />
Mereka bekerjasama dalam menghasilkan prototaip &ldquo;Bismuth-PETG filament&rdquo;:
&ldquo;Bismuth (Bi) dan polyethylene terephthalate glycol (PETG) adalah bahan yang dipilih untuk menghasilkan Bi-based komposisi polimer, ia boleh dicetak dengan printer 3D untuk mengahsilkan pengadang radiasi mengikut kesuaian individu&rdquo;, jelas salah seorang pelajar kumpulan itu.
Pengadang Radiasi= Pakaian pelindung yang digunakan untuk melindungi pesakit atau pekerja medik dari radiasi secara terus mahupun sekunder semasa pemeriksaan imej di hospital, klinik dan klinik perigigian.
Apakah yang mereka ingin ketengahkan?
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://apicms.thestar.com.my/uploads/images/2022/07/12/1656178.jpg" alt="Chan believes interdisciplinary projects are important training for future careers." width="167" height="249" />
Menurut salah seorang pelajar perubatan, Shannen Kay Chan, 21, pegadang radiasi yang ada di pasaran kini menggunakan bahan plumbum yang mengandungi bahan toksik yang membahayakan:
&nbsp;
&ldquo;Pengadang radiasi konvensional yang digunakan dalam jabatan radiologi mengandungi bahan berasakan plumbum untuk melindungi pegawai perubatan daripada pendedahan radiasi yang berlebihan&rdquo;
&nbsp;
&ldquo;Disebalik keberkesanannya, bahan yang berasakan plumbum ini mengandungi toksik dan tidak mesra alam. Sehubungan dengan itu, pakaian perlindungan berasakan plumbum ini berat dan boleh menyebabkan bebanan musculoskeletal terhadap pegawai tersebut setelah penggunaan yang lama. Kami mendapati bahan Bismuth-PETG ini tidak mengandungi toksik dan boleh diubah suai mengikut penggunaan di dalam industri perubatan.&rdquo;
&nbsp;
Oleh itu, dengan menggunakan bahan asas polimer, mereka dapat menghasilkan pengadang radiasi yang bebas toksik dan mesra alam. Ia juga terbukti lebih murah dan boleh diubahsuai mengikut keperluan penggunaan individu.
Dengan harapan produk ini smapai ke tahap yang seterusnya, mereka menyertai 2021 inter-university Engineering Innovation Challenge.
Acara ini dikelolakan oleh Institut Kejuruiteraan Singapura (IES) dan Kementerian Pendidikan Singapura.
Berkat usaha 5 pelajar itu dan tunjuk ajar dari para pendidik dari Taylor&rsquo;s University, mereka telah Berjaya membawa pulang pingat emas dari pertandingan itu.
<img src="https://cdn1.myc.com.my/image/upload/v1659949125/unsigned/eiaif5li8lzs6kpkq56i.gif" />
Berikut adalah ucapan penghargaan dari pihak penyelia:
Prof Dr Yeong Chai Hong berkata bahawa:
&ldquo;Pada awalnya, matlamat kami bukanlah untuk memenangi pertandingan itu, namun dengan kerjasama para pelajar dan juga hasil komunikasi dengan pakar dari pelbagai bidang, pelajar-pelajar ini telah berjaya mencapai satu tahap yang luar biasa secara berkumpulan.&rdquo;
&ldquo;Dalam kerjasama yang melibatkan pelbagai bidang, kita perlu faham dengan keperluan satu sama lain, menyepadukan pelbagai ilmu, dan akhiranya memenuhi ruang-rang kosong dalam penghasilan produk yang memberi manfaat kepada industri yang terlibat.&rdquo;
Apa yang boleh dipelajari dari kejayaan mereka?
<img src="https://cdn1.myc.com.my/image/upload/v1659949415/unsigned/qxmmikhbslgultosq5uz.gif" />
Kejayaan mereka mengajar kita untuk sentiasa berani dalam menyahut cabaran walaupun ia melibatkan bidang kerja yang kita tidak mahir. Belajarlah sesuatu yang baharu sementara masih ada peluang dan ruang, terutamanya ketika masih berada di institut pengajian tinggi.
Selain itu, pihak institusi pengajian tinggi sendiri perlulah menggalakan kolaborasi di antara pelajar berlainan bidang seperti mengadakan &ldquo;Pameran Projek Akhir Tahun&rdquo; secara besar-besaran.
Dengan pendedahan sebegini, pelajar dapat sedikit sebanyak mengambil tahu tentang bidang kerja dari pelajar yang berlainan kursus dan kemahiran. Oleh itu, semua pihak hendaklah memainkan peranan dalam menormalisasikan kerjasama antara pelajar berlainan bidang.
Apakah pendapat anda dalam usaha mempelbagaikan ilmu di kalangan pelajar ini? Kongsikan pendapat anda di ruangan komen dibawah!
*Sources: Visual and Reference Credits to Social Media, The Star &amp; various cross references for context.
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5 orang pelajar Taylor’s University sahut cabaran meneruskan satu projek akhir tahun dan berjaya membawa pulang pingat emas sebagai habuan.

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Kerjasama Pelajar Perubatan Dan Kejuruteraan Ini Membuahkan Hasil Pingat Emas

Project Innovation &amp; eXploration in CS Education and Learning (PIXEL 2022) is a grand annual showcase of Final Year Projects from the School of Computer Sciences, Universiti Sains Malaysia.
PIXEL 2022 has received substantial support from their Platinum Sponsor, Fusionex Group, and after 2 years of being virtual, Malaysian Youth Community is honoured to be invited as the Media Partner for PIXEL 2022 Awards and Closing Ceremony held on 20 July 2022 at Dewan Budaya, USM.
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn1.myc.com.my/image/upload/v1659674349/unsigned/pxug2hucghbaocysgwbb.png" alt="" width="659" height="580" />
The attendees for this grand ceremony include representatives from Fusionex Group, the Vice President of Talent Management, Mr. William Teo, and Talent Managers, Ms. Carol Tang, and Ms. Lim Chien Rou, followed by Professor Dr. Azlinda Binti Azman, Deputy Vice-Chancellor of Students Development Affairs &amp; Alumni, Professor Dato&rsquo; Dr. Bahari Belaton, Dean of School of Computer Sciences along with lecturers, staff, and final year students.&nbsp;
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn1.myc.com.my/image/upload/v1659673934/unsigned/epuzlfxveqbj1hcl9274.jpg" alt="" width="691" height="518" />
&ldquo;The final year students from the USM School of Computer Sciences have poured their best efforts into their final year projects. It is really astounding to witness how our final year students managed to turn their solutions into reality and present their inspiring solutions for all to witness.&rdquo; - Professor Dato&rsquo; Dr. Bahari Belaton, Dean of School of Computer Sciences during his speech.
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn1.myc.com.my/image/upload/v1659673968/unsigned/fhdb6f2edt21iaea1pgc.jpg" alt="" width="696" height="464" />
The panel included 70 judges from all over the world such as the United States, Singapore, Philippines, South Africa, India, and Switzerland. After a thorough and fair judging process, 30 Gold Awards, 50 Silver Awards, and 65 Bronze Awards were announced.&nbsp;
Not only that, the students with the most innovative and impressive projects that gained recognition from the technological industry managed to rise to the top and flourish in PIXEL 2022.
Congratulations to all the winners!&nbsp;&nbsp;&nbsp;
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn1.myc.com.my/image/upload/v1659674009/unsigned/ostyiilrc8a7etxxu7lm.jpg" alt="" width="702" height="468" />
Top 10 Projects:&nbsp;
<ol>
<li>Shu Hui Yii&nbsp;</li>
<li>Chew Mi Chi Ko&nbsp;</li>
<li>Sum Joe Ming&nbsp;</li>
<li>Yeo Pui Yan&nbsp;</li>
<li>Azwaar Khan Bin Azlim Khan&nbsp;</li>
<li>Ong Joo Hom&nbsp;</li>
<li>Chan Siang Sheng</li>
<li>Yaap Eng Tatt&nbsp;</li>
<li>Syarifah Nur Fatimah Binti Syed Firdaus&nbsp;</li>
<li>Muhammad Iqrar Amin</li>
</ol>
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://cdn1.myc.com.my/image/upload/v1659674062/unsigned/myc6lt7bxqxd9o9wk7om.jpg" alt="" width="640" height="533" />
Outstanding Awards by Fusionex&nbsp;
<ol>
<li>Yeo Pui Yan&nbsp;</li>
<li>Chan Siang Sheng&nbsp;</li>
<li>Syarifah Nur Fatimah Binti Syed Firdaus&nbsp;</li>
</ol>
Best Presenter Award&nbsp;
<ol>
<li>Chew Mi Chi Ko&nbsp;</li>
</ol>
Find their Award-Winning Projects on PIXEL 2022&rsquo;s official <a href="https://pixel.usm.my/awards/special">website</a>.
A warm round of applause to all the winners and participants! Looking forward to seeing more youth achievements ! Do share your thoughts and let us know in the comments.
*Sources: Visual and Reference Credits to PIXEL.
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Talented students were awarded during the PIXEL 2022- a grand annual showcase of innovative tech projects from USM Computer Science Final Year Students. 

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PIXEL 2022 Awards & Closing Ceremony 

If its one thing the pandemic has done, it&rsquo;s increased the retail price of many of our daily necessary items.
But with the pandemic, we had also been thankful to have a scheme called Buy Now Pay Later (BNPL) which is one of the largest service sectors in the current market.
<img src="https://m.buro247.my/images/CR-BNPL-Malaysia.gif" />
&nbsp;
According to a report by Malay Mail, the BNPL payment could double on an annual basis to reach RM2.65 billion in 2022.
One of the key reasons behind this is due to the rapid growth of credit cards appealing. But, unlike credit cards, if you were to use the BNPL your credit history is not vetted.
How does BNPL work?
The system is pretty simple. Essentially consumers who use this on e-commerce platforms are just breaking the payments into installments.
Unlike credit cards which require requires stringent requirements, everyone can easily get BNPL. Most payment schemes will allow anyone to apply for it no matter how big the payment is.
For one to sign up for BNPL, all you have to do is sign up, fill up your personal details and you&rsquo;re good to go. Atome Singapore and Malaysia&rsquo;s general manager Trasy Lou-Walsh says that they were thinking of ways to disrupt the credit card industry with this payment scheme.
One issue is that there&rsquo;s lack of regulation which has sparked concern about the risk of bad debt and default, however that hasn&rsquo;t stopped more players joining in the competition as there are now dozens of BNPL players, banks and establish services in the industry.
Who are the BNPL platforms in Malaysia and how do they differ?
1) Atome
<img src="https://cdn1.myc.com.my/image/upload/v1656924569/unsigned/iqp7txigxm8lm8dc1h5c.png" />
&nbsp;
- Presence in Malaysia, Singapore, Hong Kong and Mainland China. - Offer over 2,000 retailers online and in store merchants. - Uses AI proprietary credit scores according to what you can and cannot afford. - Users need to be 18 and above - Spend a minimum of RM10 - Spreads across 3- months installments - Users can spend up to RM1,500 (non-credit card users) and RM5,000 (credit card users)
2) FavePay Later
<img src="https://cdn1.myc.com.my/image/upload/v1656924593/unsigned/iu0z2glgtfoe4wdmbvra.webp" />
&nbsp;
-Fintech platform with smart payment applications. - Offers merchant a &ldquo;virtual compound&rdquo; and free advertising for merchants. - Installments up to 3- months based off &ldquo;user assessment&rdquo;. - 1.5% interest rate charged for every late payment after seven days.
3) hoolah
<img src="https://cdn1.myc.com.my/image/upload/v1656924613/unsigned/ev1zkhs0vrdjcwuppzjt.png" />
&nbsp;
- Highly popular in Singapore - Easy to use. - 3 &ndash; month long installments with no interest fee. - Penalties of RM16 for items below RM300, RM47 for items below RM3,000 and RM95 for item above RM3000. 
4) Grab PayLater 
<img src="https://cdn1.myc.com.my/image/upload/v1656924663/unsigned/ck1kwbbzbkxms0gxvms6.webp" />
&nbsp;
- Biggest platform in Malaysia - Have installments of 4 payments or paying the entire sum a month later - Can be used on food, e-hailing rides, groceries and online merchant partners. - More strict than other BNPL platforms - Users need to be 21 and above, is a &ldquo;Silver Tier&rdquo; member with 200 GrabReward points - Must have a minimum of three transactions a month to unlock feature. - Accounts will be frozen if installments are being paid late and users will be given a RM10 penalty to reactivate account.
5) Shopee SpayLater
<img src="https://cdn1.myc.com.my/image/upload/v1656924696/unsigned/kcpni8rtf2d22znmj19j.jpg" />
&nbsp;
- Still unknown to most due to late coming in the industry. - Risk filter of platform not too known but has an assessing credit score system. - Offers repayment methods and installments across 2, 3 or 6 months. - Interest free installments but has a 1.25 % processing fee. - 1.5% transaction penalty for late payments
6) Split
<img src="https://cdn1.myc.com.my/image/upload/v1656924724/unsigned/gcbv6z00dq6ucn4sp9yj.png" />
&nbsp;
- Claims to be first &ldquo;Shariah-compliant&rdquo; BNPL platform in Malaysia - Does not charge large late payment penalties. - Works out payment plan with user if they can&rsquo;t pay on time. - Applications for plan strict and has a high of rejections. - 3-month interest free. - Charges 10% to partner stores depending on monthly sales.
If I had a choice, I&rsquo;d personally use either Fave or Atome due to how convenient it is and how much coverage and offers they have. Grab is great but they have a bit toom many criteria&rsquo;s to fill. So, which one is your preferred BNPL app? Let us know in the comments!
&nbsp;
*Sources: Visual and Reference Credits to Social Media, Malay Mail &amp; various cross references for context.
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Who would of thought we had this many apps for breaking up payments!