Nabil Luqman

0f9d2dd4f71434084e2b6094de1865e23abb37bb9f28ca51feeabee679ec9be2

Money

debt

Bank Negara Malaysia

home

reform

financing

personal

repayer

early

Bank Negara Malaysia (BNM) has released a draft proposal outlining key reforms for personal financing practices, including abolishing the controversial Rule of 78 interest calculation method and reclassifying certain home financing products under stricter terms. The move aims to ensure fairer lending practices, greater transparency, and financial stability, particularly in light of rising household debt concerns.
Abolishing the Rule of 78 and Flat Rate Interest
<img src="https://r2.myc.my/768c4ceba9f377ef78449d13331fa9bb96d099c1777489eeea6bd59ea9704682" />
The Rule of 78 has long been criticized for its unfair interest calculation. Under this method, a loan's total interest is pre-calculated based on the original principal, meaning borrowers do not enjoy interest savings even if they settle their loans early. BNM's proposal seeks to eliminate this method for personal financing, a change that aligns with broader efforts to reform lending practices, including amendments to the Hire Purchase Act 1967, set to be tabled in Parliament in early 2025.
Going forward, financial service providers (FSPs) will be restricted to offering personal financing products that calculate interest using either:
<ul>
<li>A fixed or floating rate; or</li>
<li>Interest charged on the remaining principal balance after payments toward the principal are deducted.</li>
</ul>
FSPs will be required to disclose the effective interest rate (EIR), the total repayment amount, and detailed explanations of interest calculations (e.g., daily or monthly reducing balance methods). For floating-rate loans, providers must also explain the conditions for interest rate adjustments, their impacts, and the option for customers to maintain original instalment amounts.
Home Financing Products Reclassified as Personal Financing 
<img src="https://r2.myc.my/ee6941c85768329071803d9f3287d7a16568ddf6abf968f39546cd7dc79515a7" />
In a major shift, BNM proposes to treat specific types of home financing products as personal financing and cap their tenure at 10 years. This applies to cases where:
<ol>
<li>Additional financing exceeds the outstanding amount on a refinanced home loan.</li>
<li>Extra financing is taken beyond the original loan amount after partial repayment.</li>
<li>Financing is secured by a property with no existing mortgage.</li>
</ol>
To prevent misuse, FSPs will need to verify the actual purpose of the financing by requiring supporting documents. Exceptions to the 10-year cap include financing strictly for:
<ul>
<li>Renovations.</li>
<li>Mortgage-reducing term assurance (MRTA) or takaful.</li>
<li>Legal fees, education, or business purposes.</li>
</ul>
Additionally, the cap does not apply if the new financing amount, combined with the outstanding balance, does not exceed the original loan amount and tenure, or if it involves pre-paid amounts or extra repayments.
Addressing Household Debt and Reducing Loan Tenures 
<img src="https://r2.myc.my/2175950407c42094a9d395847c76c7736a7a1bd9c653fcdb674d4258a95b4d79" />
BNM is also seeking public feedback on whether the maximum tenure for personal financing should be reduced further to seven years, as practiced in other countries like Australia and Singapore. Currently, Malaysia allows a maximum of 10 years.
The proposal comes in response to growing concerns over household debt levels. As of end-2023, Malaysia's aggregate household debt stood at RM1.53 trillion, with 12.6% attributed to personal financing. Alarmingly, personal financing accounted for 46.26% of total bankruptcy cases in 2023, while 32.8% of loans under the Debt Management Programme managed by Agensi Kaunseling dan Pengurusan Kredit (AKPK) also comprised personal financing.
BNM emphasizes that shorter tenures encourage responsible borrowing and reduce long-term financial risks. The central bank is now inviting feedback from the public and industry stakeholders on the proposed tenure reduction, its feasibility, and potential challenges.
The Future of Lending in Malaysia
These proposed changes reflect BNM's commitment to improving transparency, responsible lending, and protecting borrowers from predatory financial practices. By abolishing outdated methods like the Rule of 78 and capping tenures for personal financing, BNM hopes to strike a balance between consumer affordability and long-term financial stability.
Public feedback on the draft proposal is open until February 14, 2025, and can be submitted electronically through <a href="https://forms.office.com/r/HFWD3UZFEf">BNM&rsquo;s official feedback form</a>. This initiative marks a significant step toward fostering a healthier lending ecosystem in Malaysia.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Are these changes the key to tackling rising household debt? Let’s find out.

4048114f12fe47f4c1d662de30bdaca5d36246b5e2faa8a2e5ce18d5e9ea868b

Bank Negara Malaysia Proposes Major Reforms In Personal & Home Financing Rules For Early Repayers

Klang Valley residents planning to be out and about on Friday, 26 April, are strongly advised to steer clear of Bukit Jalil, which is set to be inundated with crowds due to two major back-to-back events expected to draw more than 100,000 people.
Malaysia Cup Final and Amy Search Concert Happening Simultaneously 
&nbsp;<img src="https://r2.myc.my/2972c1808ab61964af6e32e80708535f60379639f8683c9cc46287abc4dd0e32" />
The Malaysia Cup Final between Johor Darul Ta'zim (JDT) and Sri Pahang FC will kick off at 9.00pm at the Bukit Jalil National Stadium, while rock legend Datuk Amy Search will be performing his Magic Konsert Solo Pertama at the nearby Axiata Arena, starting at 8.30pm.
Originally scheduled for 12 April, the Malaysia Cup Final was postponed to 26 April following requests from the finalist teams. The change allowed fans more time to participate, especially with the Hari Raya celebrations taking place earlier in the month.
Both events are expected to attract huge turnouts &mdash; the stadium alone can accommodate 87,500 spectators, and reports suggest over 60% of football tickets have already been sold, while Amy Search&rsquo;s concert has seen similarly high demand.
Authorities Brace for Major Congestion from 5PM Onwards
&nbsp;<img src="https://r2.myc.my/27a6ae43b5cdc7bb868228b5bf6f1ababcfafe82e0708fc57c4eb0165a806be6" />
With massive foot traffic heading to both venues in the same precinct, severe congestion is anticipated from as early as 5.00pm, potentially lasting well past midnight.
The public has been strongly encouraged to use public transportation, especially the LRT Sri Petaling Line, which stops directly at Bukit Jalil LRT Station &mdash; just a short walking distance to both venues.
To accommodate the rush, Rapid KL has announced extended operating hours for Bukit Jalil station and several key interchange stations across the Klang Valley until 12.30am on 27 April.
Extended LRT Hours: Stations Involved 
&nbsp;<img src="https://r2.myc.my/79fd6fb3e2d377a29e2e947b48454fc751c9a85fe597df588df20f01859f06fc" />
Those planning to take the LRT are advised to ensure their Touch 'n Go cards are topped up in advance for a smoother experience. The following lines and stations will have extended hours:
🟥 Ampang / Sri Petaling Line:
<ul>
<li>Bukit Jalil (main station)</li>
<li>Sungai Besi</li>
<li>Plaza Rakyat</li>
<li>Masjid Jamek</li>
<li>Chan Sow Lin</li>
<li>Titiwangsa</li>
<li>Hang Tuah</li>
<li>Maluri</li>
<li>Putra Heights</li>
</ul>
🟦 Kelana Jaya Line:
<ul>
<li>Masjid Jamek</li>
<li>Pasar Seni</li>
<li>Putra Heights</li>
</ul>
🟫 Monorail Line:
<ul>
<li>Hang Tuah</li>
<li>Titiwangsa</li>
</ul>
🟩 Kajang Line:
<ul>
<li>Pasar Seni</li>
<li>Maluri</li>
<li>Merdeka</li>
<li>Kwasa Damansara</li>
<li>Tun Razak Exchange</li>
</ul>
🟨 Putrajaya Line:
<ul>
<li>Kwasa Damansara</li>
<li>Sungai Besi</li>
<li>Chan Sow Lin</li>
<li>Titiwangsa</li>
<li>Tun Razak Exchange</li>
</ul>
Driving Instead? Use These Alternative Routes
&nbsp;<img src="https://r2.myc.my/bea3e8c4c5501887f652dde625c15f384f225f5cc7c848ecc9a4404056c54547" />
If you must drive, authorities advise motorists to avoid peak times and consider using alternative expressways to bypass the worst of the traffic:
<ul>
<li>From Klang or Subang: Use the KESAS Expressway towards Sri Petaling.</li>
<li>From Cheras or Ampang: Take the SUKE Expressway.</li>
<li>From KL City Centre: The SMART Tunnel provides a quicker route from Jalan Tun Razak to Jalan Sungai Besi.</li>
</ul>
Leaving early and checking navigation apps for real-time traffic updates is highly recommended.
Tips to Navigate the Crowd Safely
To make your evening enjoyable and hassle-free, event organisers and local authorities have offered several key tips:
<ul>
<li>Arrive at least an hour early to avoid last-minute delays.</li>
<li>Secure your belongings and be cautious in crowded areas.</li>
<li>Stay hydrated and dress comfortably, especially if queuing outdoors.</li>
<li>Pay attention to announcements from the police, RapidKL, and DBKL.</li>
<li>Follow official social media channels for live traffic and event updates.</li>
</ul>
With careful planning, public cooperation, and a bit of patience, attendees can look forward to an unforgettable evening &mdash; whether you're cheering on your favourite football team or rocking out with a local music icon.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Two mega events, one night. Plan ahead if you’re heading driving tomorrow!

171d97da4db7f3f33eb12bbd141fa90288f41d8610057b9574bf11ddcdc6c049

Traffic Alert: Over 100,000 Expected In Bukit Jalil For Football Final & Amy Search Concert On 26 April

&nbsp;
For many teachers, the classroom is more than just a place to deliver lessons &mdash; it becomes a second home, and students become, in a sense, extended family. Teaching is a profession that demands not only intellectual rigour, but immense emotional commitment. It involves sacrifice, patience, and a deep belief in the potential of every child, no matter how difficult the path may be.
This devotion is especially evident in the story of Muslim Ismail, a teacher at SMK Gemas in Negeri Sembilan, whose recent reflections about one of his students have touched the hearts of thousands online. His tribute is a powerful reminder that success in education is not always measured in grades or trophies, but in the lives changed &mdash; and the dignity preserved &mdash; along the way.
A Boy Who Felt Out of Place
&nbsp;<img src="https://r2.myc.my/00374dea87346022292adf62947e18ec568d697866ec58d14b81ae233bc8f313" />
In a moving Facebook post, Muslim shared the story of a student who never quite fit into the conventional academic mould. The boy wasn&rsquo;t disruptive or rebellious &mdash; he simply stopped attending school regularly during Form 4. His absence nearly led to expulsion, but thanks to the quiet perseverance of a special needs teacher, and later, Muslim himself, the boy slowly began returning to class.
&ldquo;He was a good student. Polite, soft-spoken. He never caused any trouble &mdash; he just wasn&rsquo;t present,&rdquo; Muslim wrote. &ldquo;Maybe the school environment didn&rsquo;t suit him. A place so focused on grades, comparisons and competition can be alienating, especially when you&rsquo;re struggling with comprehension or memory.&rdquo;
A Place to Belong: The Poetry and Song Club
<img src="https://r2.myc.my/b0ace24ae3244e076f5376dfd98b9025f9e0463dd2a41e7c42c38c2723891bcb" />
Keen to draw the boy back into school life, Muslim tried a different approach &mdash; one based not on academic pressure, but on empathy. He discovered that the boy had a love for music, so he encouraged him to join the school&rsquo;s poetry and song club.
They never won any contests. That, however, was never the goal.
&ldquo;He came back to school, I believe, because he felt accepted. Valued. That might have been the only fond memory he had of school,&rdquo; Muslim said.
In the classroom, the boy continued to struggle. He consistently failed exams, but he approached his assignments in the Landscape and Nursery vocational subject with determination. His work was rarely perfect, yet he applied himself with care and effort. Muslim never scolded him, knowing that for this student, just trying was already a victory.
A Long-Awaited Victory, Too Late to See 
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://r2.myc.my/7ec65881a6831b168d4bd468d2ad2f49e2d75c2da745ff70b969dea52bf6cfa1" /> 
Then came the 2023 Sijil Pelajaran Malaysia (SPM) examinations &mdash; the final academic hurdle for many Malaysian students. When results were released on 24 April 2024, Muslim was overjoyed to see the boy had finally achieved a pass.
In fact, he scored an A- &mdash; in none other than Landscape and Nursery.
It was his first and only passing grade. A triumph after years of struggle. But heartbreakingly, the student would never see it.
Just three days earlier, on 21 April, he had passed away from an infection following surgery for appendicitis. The news devastated Muslim and the school community. The boy had finally crossed the finish line &mdash; but life had taken him before he could bask in that success.
&ldquo;Suddenly I miss him,&rdquo; wrote fellow SMK Gemas teacher Mas Masliana. &ldquo;He was such a well-mannered boy.&rdquo;
A Final Farewell and A Prayer
In his post, Muslim&rsquo;s farewell to his student was deeply personal and spiritual. It captured the raw grief of an educator who had invested years of care into a young life &mdash; only to lose it just as hope began to bloom.
&ldquo;You don&rsquo;t have many sins,&rdquo; he wrote to the boy. &ldquo;Maybe when the time comes, if I&rsquo;m on the other side, you could ask God to forgive me.&rdquo;
<iframe style="border: none; overflow: hidden;" src="https://www.facebook.com/plugins/post.php?href=https%3A%2F%2Fwww.facebook.com%2Fmuslimismail%2Fposts%2Fpfbid02cMeDPSTZyqD2ogxunhwMH21WCQYCAoDzMYqwsZudtYxtNscLGui8UPRvBatXp94Yl&amp;show_text=true&amp;width=500" width="500" height="607" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen"></iframe>
The post received an outpouring of support from netizens, who commended Muslim&rsquo;s compassion and praised the student&rsquo;s determination. Many were moved to tears, reflecting on the challenges so many children face in silence &mdash; and the life-changing power of a single adult who chooses to believe in them.
Here&rsquo;s some of the comments:
<img src="https://r2.myc.my/0c1b3f43a0b166970e0a9707d7b4fdf107a880f8af47a85ac8205914fc37d8e9" />
Rethinking Success and the Role of Educators
In a follow-up post, Muslim turned his attention to the broader education system. He urged the Ministry of Education to rethink how success is measured &mdash; not just for students, but for teachers as well.
&ldquo;Every subject has its value. You cannot compare a vocational subject to mathematics or science. Each requires a different skill set, a different mindset, and caters to a different kind of intelligence,&rdquo; he explained.
He pointed out that subjects such as Physical Education, often overlooked, play a vital role in helping students manage stress &mdash; an essential factor in academic performance. Similarly, a teacher who helps a student think logically, even if they fail the subject, still imparts a critical life skill.
&ldquo;Every teacher contributes to a student&rsquo;s development. Success isn&rsquo;t always about straight As,&rdquo; he said.
<iframe style="border: none; overflow: hidden;" src="https://www.facebook.com/plugins/post.php?href=https%3A%2F%2Fwww.facebook.com%2Fmuslimismail%2Fposts%2Fpfbid0vr1f5nT6uXexVSH1deH6CLcTTdkGgp6QkMuzC2cvEUfvcVRGPDefPdcj5vLBN2Jl&amp;show_text=true&amp;width=500" width="500" height="284" frameborder="0" scrolling="no" allowfullscreen="allowfullscreen"></iframe>
Teaching as an Act of Hope
Muslim&rsquo;s reflections have struck a deep chord among educators and parents alike. His story reminds us that teaching is not about producing perfect students &mdash; it&rsquo;s about meeting each child where they are, and walking with them, however long it takes.
It is about creating moments of dignity for children who feel like they don&rsquo;t belong. It is about opening doors, even when no one else believes the student will walk through them. And sometimes, it is about celebrating a single, hard-won achievement &mdash; even if the person it was meant for isn&rsquo;t there to receive it.
As Muslim aptly concluded, quoting a saying often misattributed to Einstein:
&ldquo;Everybody is a genius. But if you judge a fish by its ability to climb a tree, it will live its whole life believing it is stupid.&rdquo;
This story isn&rsquo;t just about one boy who passed a single subject. It&rsquo;s about the immeasurable impact of being seen, supported, and believed in &mdash; even once.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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b8f922aec38bcefee6248fc7ce9b9c2b981644c7a86ccf0f2f3bbfe29350d126

A Teacher’s Devotion And The Legacy Of A Quiet SMK Gemas Student Who Never Saw His SPM Result

Conservative American commentator Bill O&rsquo;Reilly has reignited tensions with Malaysia after doubling down on controversial remarks suggesting Southeast Asian countries, including Malaysia, lack the financial means to benefit from Chinese trade relations. The former Fox News host&rsquo;s comments drew sharp criticism from Prime Minister Datuk Seri Anwar Ibrahim, who accused O&rsquo;Reilly of holding a worldview rooted in colonialism and racial superiority.
Xi Jinping&rsquo;s Regional Tour Sparks Economic Debate 
&nbsp;<img src="https://r2.myc.my/2f7aebc041329cdd6e457b355330ed4e677bf6ab968aa120dfb644b6e0da3bc7" />
The dispute stems from Chinese President Xi Jinping&rsquo;s recent diplomatic tour of Malaysia, Vietnam, and Cambodia &mdash; a strategic move by Beijing in light of escalating trade tensions with the United States, including a newly imposed 145% tariff on Chinese goods.
O&rsquo;Reilly responded to Xi&rsquo;s visit by questioning the economic value of China&rsquo;s outreach to the three Southeast Asian nations. He suggested these countries lacked the financial capacity to purchase Chinese-made products, sarcastically declaring: &ldquo;We have the money, we buy stuff. The &lsquo;Malays&rsquo; aren&rsquo;t gonna buy your stuff. They don&rsquo;t have any money.&rdquo;
His use of the ethnic term &ldquo;Malays&rdquo; to generalise the entire Malaysian population further provoked backlash online, with many accusing O&rsquo;Reilly of cultural ignorance and racial insensitivity. Read: <a href="https://myc.my/articles/4248/xi-jinpings-southeast-asia-tour-draws-mockery-from-us-commentator-but-malaysias-economic-numbers-tell-a-different-story">Xi Jinping&rsquo;s Southeast Asia Tour Draws Mockery From US Commentator &ndash; But Malaysia&rsquo;s Economic Numbers Tell A Different Story</a>
Anwar Hits Back: &ldquo;Xenophobia, Racism, and Colonial Arrogance&rdquo;
&nbsp;<img src="https://r2.myc.my/08bbca4443221f96e4102a5acfecd8f583bbc2966c981a0e99634993d3cc665c" />
In a strong rebuttal, Prime Minister Anwar Ibrahim lambasted O&rsquo;Reilly&rsquo;s statements as not only factually flawed but also emblematic of a deeper, more insidious mindset.
&ldquo;He is clearly trapped in a narrow worldview shaped by colonialism, racism, and xenophobia,&rdquo; said Anwar, who also serves as Malaysia&rsquo;s Finance Minister. &ldquo;It reflects a deep ignorance of the socioeconomic realities in Southeast Asia and a belief that only their group or nation is successful.&rdquo;
Anwar&rsquo;s remarks were widely supported by Malaysians and regional observers, who viewed O&rsquo;Reilly&rsquo;s comments as dismissive of the economic progress made by developing nations in Asia.
O&rsquo;Reilly Responds with More Provocation &mdash; and Geography Errors
In a subsequent YouTube video, O&rsquo;Reilly read out Anwar&rsquo;s response, appearing both amused and unrepentant. He reiterated his claim that Malaysians &ldquo;don&rsquo;t have money&rdquo; by citing Malaysia&rsquo;s household income per capita, which he claimed stands at US$5,731 annually (~RM25,110), compared to the US figure of US$42,220 (~RM184,585).
&ldquo;That's eight times higher,&rdquo; O&rsquo;Reilly declared. &ldquo;So if you want to buy a little hat, and you're only making five grand a year, you're not gonna buy it. You're not getting Chinese takeout either in Kuala Lumpur. You're barely eating.&rdquo;
He added, &ldquo;China is not going to be able to sell its stuff in your country, or Vietnam, or Cambodia. Got it?&rdquo;
<iframe src="https://www.youtube.com/embed/V85NEV6pQZM" width="560" height="314" allowfullscreen="allowfullscreen"></iframe>
Despite the inflammatory tone, O&rsquo;Reilly did attempt to soften his comments by acknowledging that Malaysia is a &ldquo;beautiful&rdquo; country &mdash; albeit one he described as &ldquo;complicated.&rdquo; He also claimed he wanted the country to succeed but cheekily concluded, &ldquo;this &lsquo;colonialist&rsquo; has told the truth.&rdquo;
However, the commentator went on to confuse Malaysia with Indonesia, wrongly stating that former US President Barack Obama was &ldquo;partially raised in Malaysia.&rdquo; In fact, Obama spent part of his childhood in Indonesia &mdash; an entirely separate country. The factual gaffe further undermined O&rsquo;Reilly&rsquo;s credibility, especially among viewers in Southeast Asia.
The Flawed Economic Comparison: A Misunderstanding of Local Realities
&nbsp;<img src="https://r2.myc.my/ce282d27b51434ea8b4d878053177e3f809da63fcc1e8d47c8593eff0347b0dc" />
While the household income figures quoted by O&rsquo;Reilly are broadly accurate &mdash; with Malaysia&rsquo;s data taken from CEIC and correct as of late 2022 &mdash; his interpretation of those numbers lacks nuance. Economic analysts were quick to point out that comparing raw income figures between two vastly different economies without considering the cost of living and purchasing power parity (PPP) paints a misleading picture.
According to forecasts from Statista, Malaysia&rsquo;s household disposable income per capita is projected to rise to RM32,228 (~USD7,370) by 2025. When adjusted for PPP, the income disparity between Malaysia and the US narrows considerably, offering a more accurate representation of everyday purchasing power.
Furthermore, O&rsquo;Reilly&rsquo;s claim that Malaysians are &ldquo;barely eating&rdquo; and can&rsquo;t afford Chinese take-out in Kuala Lumpur drew widespread mockery online. In truth, Chinese cuisine is among the most common and affordable foods in Malaysia. Local Chinese restaurants, hawker stalls, and kopitiams offer hearty meals for as little as RM6 to RM20 &mdash; easily within the reach of most working and middle-class residents.
A Clash of Cultures &mdash; or Just Misinformation?
&nbsp;<img style="display: block; margin-left: auto; margin-right: auto;" src="https://r2.myc.my/bf8f9e0672ef18e5532af95f858eae6bc18c59785f744c785baa6a73d7f42766" />
O&rsquo;Reilly&rsquo;s long-standing relationship with US President Donald Trump and his deep roots in American conservative media have helped shape public opinion in the United States for decades. However, his latest comments have highlighted a broader issue: the cultural blind spots and outdated assumptions that still exist in Western commentary on Asia.
While O&rsquo;Reilly may find support from sections of the American right, many in Southeast Asia viewed his remarks as tone-deaf, outdated, and laced with condescension. As Anwar and others have pointed out, such statements not only misrepresent the region&rsquo;s progress but also reinforce dangerous stereotypes about the Global South.
Here&rsquo;s some of the comments from netizens:
<img src="https://r2.myc.my/286074c669df0c5f11a2f4de26b0e5871fcfc66b5acef40c8ea242c653e5fb72" />
Conclusion: More Than Just a Viral Clip
What began as a throwaway comment in a YouTube video has now morphed into a diplomatic and cultural flashpoint, illustrating how global discourse is increasingly shaped by online personalities with outsized influence.
In this case, Bill O&rsquo;Reilly&rsquo;s reductive take on Southeast Asia&rsquo;s economy sparked a much-needed conversation &mdash; not just about income disparities, but about the lingering legacies of colonial attitudes and the importance of understanding nations on their own terms.
&nbsp;What are your thoughts on this? Let us know in the comments.&nbsp;
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Even with eight times less household income per capita, Malaysians don’t suffer as much as the average American.

eeb00258686da6dff7bf601317ec304fe039ba4a5f37a93c56e77539c5199872

Bill O’Reilly Doubles Down On “No Money” Claim As Anwar Ibrahim Fires Back

The 2024 Sijil Pelajaran Malaysia (SPM) examination has delivered the strongest academic performance since the introduction of the current grading system in 2013. The Ministry of Education announced significant improvements across key metrics, with more candidates passing and a higher number earning top grades. However, this success is tempered by a troubling increase in the number of students who failed all subjects &mdash; and those who did not turn up for the examination at all.
Best National Performance Since 2013
<img src="https://r2.myc.my/d16602fa49775f808c21bd1b75714e429eba324d4b2d774c80526ce423d50827" />
According to Education Director-General Datuk Azman Adnan, the national average grade (GPN) for the 2024 SPM was 4.49, an improvement from 4.60 recorded in 2023. In the Malaysian examination system, a lower GPN denotes better overall performance. This makes the 2024 cohort the best-performing since the Malaysian Qualifications Framework was realigned over a decade ago.
Of the 402,956 candidates who sat for the exams, 355,933 students &mdash; or 94 per cent &mdash; qualified for the SPM certificate by passing Bahasa Melayu and History, both of which are compulsory. Additionally, 14,179 candidates (3.7 per cent) achieved straight As across all subjects (A+, A, or A-), marking a significant increase from the 12,087 candidates (3.1 per cent) who achieved similar results in 2023.
This upward trend was mirrored across nearly all subject categories, suggesting a broader systemic improvement rather than isolated excellence.
Urban-Rural Gap Narrows Slightly
&nbsp;<img src="https://r2.myc.my/d9dd2ed3b3bf23be3b5aca011f12c1913e7bf26f91a922fc2df2e7e0522f12d8" />
One notable highlight of the 2024 results is the narrowing of the performance gap between urban and rural students. While urban candidates scored an average GPN of 4.47, rural students recorded 4.92. Though the disparity remains, the 0.45-point difference marks a continuing trend towards greater equity in educational outcomes, aided by digital learning tools, targeted rural support programmes, and increased access to trained educators.
State-by-State: Regional Performance Highlights
&nbsp;<img src="https://r2.myc.my/af6b553b0f1898ac24a4a379134f2284f80856e376c55ac6f5ee16c0446f061e" />
Several states reported performance levels above or on par with the national average, underscoring broader improvements across the education system.
<ul>
<li>Putrajaya maintained its strong academic standing with a GPN of 3.44 &mdash; the best in the country. Out of 1,073 candidates, 99.07 per cent qualified for the SPM certificate, and 175 students achieved straight As.</li>
<li>Terengganu saw its GPN improve from 4.41 in 2023 to 4.31, with 532 students scoring straight As.</li>
<li>Melaka posted a GPN of 4.43, with 414 students earning straight As. Sixteen of these candidates scored A+ in all subjects.</li>
<li>Johor exceeded the national average with a GPN of 4.36. The number of straight-A students rose from 1,247 in 2023 to 1,513 in 2024.</li>
<li>Penang improved to a GPN of 4.39, with 819 candidates achieving at least A- in all subjects.</li>
<li>Selangor, Malaysia&rsquo;s most populous state, recorded a GPN of 4.59 &mdash; slightly better than 4.62 in 2023 &mdash; with 2,368 students obtaining straight As.</li>
<li>Negeri Sembilan outperformed many with a GPN of 4.18 and 804 straight-A achievers.</li>
<li>Kelantan saw a GPN of 4.62, with 436 students scoring straight As.</li>
<li>Other states, including Kuala Lumpur (4.24 GPN), Perlis (4.66), Pahang (4.56), Sarawak (4.92), and Sabah (5.10), also demonstrated modest improvements in overall performance.</li>
</ul>
Alarming Increase in Students Failing All Subjects
<img src="https://r2.myc.my/7420d6f60d1fefbe7a34d00e9314eb36635fc70e280477720fca09b69443cbda" />
Despite the national gains, a concerning number of students failed every subject in the 2024 SPM. A total of 1,789 candidates (0.5 per cent) received failing grades across all papers &mdash; including Bahasa Melayu and History &mdash; up from 1,467 (0.4 per cent) the previous year.
The Ministry attributes this to a mix of academic and socioeconomic challenges. Some students continue to struggle with foundational skills due to lingering effects of pandemic-era disruptions, while others face unstable home environments or a lack of academic support. Fatigue from juggling school and part-time jobs &mdash; especially in urban areas &mdash; has also been identified as a major contributing factor.
&ldquo;We found that some students were working night shifts and attending school during the day, which naturally impacts their focus and performance,&rdquo; said Education Director-General Datuk Azman Adnan. &ldquo;These are systemic issues that must be addressed.&rdquo;
Dropouts and Absenteeism: Thousands Did Not Sit for the Exam
<img src="https://r2.myc.my/0ea7a5ca9e0dea06717e64dd59090d223f5ffaa9c1dbfd5de4aedc8cb03f97be" />
Beyond those who failed, thousands of students did not turn up for the SPM at all &mdash; a persistent issue that continues to trouble the Ministry. Around 10,000 registered candidates nationwide were absent from the 2024 exam.
In Penang, 239 candidates failed to sit for the papers &mdash; a slight improvement from 338 in 2023. According to State Education Director Wan Sajiri Wan Hassan, financial hardship is often the root cause. &ldquo;Some students prioritise work to support their families over completing their education,&rdquo; he noted.
To tackle this, Penang has rolled out the Jom SPM outreach programme, aimed at re-engaging at-risk students. Led by District Education Offices (PPDs), the initiative collaborates with community leaders and civil society groups to conduct targeted home visits and provide counselling and support.
Ministry&rsquo;s Next Steps: Targeted Support and Strategic Partnerships
The Ministry of Education has pledged a detailed post-mortem of the 2024 results to identify root causes of both failure and absenteeism. Datuk Azman emphasised that the Ministry will not rest on the laurels of improved averages alone.
&ldquo;Inclusive success is our target. We are pleased with the national progress, but equally mindful of the students left behind,&rdquo; he said.
The Ministry plans to expand remedial classes, enhance after-school tutoring programmes, and strengthen collaboration with NGOs, parent-teacher associations, and youth agencies. These efforts aim to deliver not just academic instruction but holistic support for students facing economic or emotional hardship.
What are your thoughts on this? Let us know in the comments. 
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Thanos once said, “Perfectly balanced, as all things should be” — but this wasn’t quite the balance we had in mind. 

3832e00dbd6ffccf0fb54ca3db81af71a6e228ed54ad647332206e595055cb56

SPM 2024 Records Best Results In Over A Decade, But Concerns Over Failures And Dropouts Persist

As the United States reinstates heavy tariffs on Chinese imports under former President Donald Trump, a new trade controversy is emerging &mdash; and Malaysia finds itself unwillingly at the centre of it. Reports have surfaced that unscrupulous freight brokers based in China are rerouting goods through Malaysia and mislabelling them as "Made in Malaysia" to evade the steep US duties, raising serious concerns over the potential damage to Malaysia's trade reputation.
From Trade Partner to Transit Point: Malaysia&rsquo;s Role in a Rising Smuggling Tactic
&nbsp;<img src="https://r2.myc.my/4d8cc18d4a0ca3a7db37c9bc2a167dafe4a6f5789aa5c653a38e7fb11337eb08" />
According to reports by Malay Mail and Bloomberg, China-based logistics brokers have been offering US online retailers highly suspicious services to cut down on shipping costs. These include falsifying the country of origin and undervaluing shipments &mdash; with Malaysia being one of the key countries misused in this deception. Some brokers even go as far as posing as importers themselves, offering to handle the documentation and falsely declare the goods as Malaysian-made.
&ldquo;Many clients are now choosing to route Chinese products through Malaysia and claim they are made here,&rdquo; said one freight broker to Bloomberg. The motivation is clear: while Chinese goods are currently facing tariffs as high as 145% in the United States, products genuinely originating from Malaysia are only subject to a 24% import duty.
The scheme is not only unethical but also illegal under US customs law. False declarations of origin constitute a serious offence and may result in civil or criminal penalties for all parties involved &mdash; including sellers, brokers, and importers. As of now, the US Customs and Border Protection (CBP) has not officially confirmed whether enforcement has been ramped up, though they have reiterated that public reports and complaints through their online portal remain a key part of enforcement efforts.
Trump&rsquo;s Tariff Surge Sparks a Wave of Workarounds
&nbsp;<img src="https://r2.myc.my/6bcb751a7431f4b2e92f42c60b618422d15d5c3547bafa7eed5f254cc236183f" />
Read: <a href="https://myc.my/articles/4265/us-slaps-up-to-3521percent-tariffs-on-asean-solar-panels-threatening-malaysias-export-industry">US Slaps Up To 3,521% Tariffs On ASEAN Solar Panels, Threatening Malaysia&rsquo;s Export Industry</a> Read: <a href="https://myc.my/articles/4218/the-impact-of-new-us-tariffs-on-malaysia-jobs-prices-and-the-iphone">The Impact Of New US Tariffs On Malaysia: Jobs, Prices, And The iPhone</a>
This illicit practice appears to have surged after Trump&rsquo;s announcement earlier this month of a new round of trade tariffs, starting at 10% for all imports into the US. Specifically, China has been targeted with the steepest hikes &mdash; first 54%, then 104%, and most recently a staggering 145%. China retaliated by imposing 125% tariffs on US goods, prompting fears of a full-blown trade war echoing previous years.
Even Malaysia &mdash; previously unaffected by the bulk of US trade restrictions &mdash; was not spared. Under Trump&rsquo;s revised policy, Malaysian exports to the US now face a 24% import tariff. Although significantly lower than the Chinese rate, it still marks a steep increase from previous levels and could pose challenges for legitimate Malaysian exporters.
The escalating tariff war has caused an upheaval in the global supply chain. Some Chinese companies are now resorting to third-country transhipment strategies to sidestep duties &mdash; with Malaysia and even South Korea among the countries being exploited as part of this growing black market workaround.
South Korea Faces Similar Challenges with Mislabelled Chinese Goods
&nbsp;<img src="https://r2.myc.my/e4e9aa3a91010b9cc4c8d83659a4fbf4a16525928c0522d2834663ff1275d047" />
Malaysia is not alone in this predicament. South Korea, too, has discovered large-scale violations involving Chinese goods being falsely labelled as South Korean exports. According to the Korea Customs Service, a staggering 29.5 billion won (~RM91,000,000) worth of goods with incorrect origin labels were uncovered in just the first quarter of 2025 &mdash; with 97% of them destined for the US market.
The violations include Chinese-made cathode materials and surveillance equipment that were either reassembled in South Korea or relabelled outright before being shipped to the United States. Some of these goods had already been exported, while others were intercepted at the port.
In response, the Korea Customs Service has launched a special task force and is working closely with US authorities to crack down on these illegal transhipment practices. All violations are expected to be forwarded to prosecutors for legal action.
Malaysia Urged to Act Swiftly to Protect Its Trade Integrity
Malaysian trade analysts are now sounding the alarm. If this misuse continues unchecked, Malaysia&rsquo;s international credibility as a law-abiding trade partner could be at risk. The country's legitimate exporters may find themselves subject to heightened scrutiny by US authorities, leading to delays, increased compliance checks, and potential blacklisting.
There are growing calls for the Malaysian government to act decisively. Trade groups and analysts alike have urged authorities to investigate any abuse of Malaysia&rsquo;s national label and clamp down on foreign attempts to exploit its relatively favourable tariff position. They argue that failing to act could result in long-term reputational damage, making it harder for Malaysian exporters to maintain market access abroad.
&ldquo;Malaysia needs to take swift action to prevent being used as a cover for tariff evasion. This is not just about trade, but about safeguarding our nation's integrity,&rdquo; one analyst said
Understanding Tariffs and Why They Matter
&nbsp;<img style="display: block; margin-left: auto; margin-right: auto;" src="https://r2.myc.my/ebdd724d306175630884f79b28dbb2541fa11e0b59529929bfd382852e84cb8c" />
For those unfamiliar with trade policy, tariffs are essentially taxes imposed by one country on goods imported from another. The idea is to make foreign products more expensive, thereby protecting domestic industries and discouraging reliance on overseas suppliers.
But while tariffs serve a political and economic purpose, they also create ripple effects. For instance, Malaysian Investment, Trade and Industry Minister Tengku Datuk Seri Zafrul Tengku Abdul Aziz previously explained that a shirt originally priced at USD 100 (~RM656.25) could cost as much as USD 154 (~RM673.75) after a 54% tariff &mdash; a cost that is typically borne by end consumers rather than corporations.
According to the Tax Foundation, tariffs are a regressive form of taxation. They disproportionately affect low-income households, who end up spending a larger share of their income on essential goods that have suddenly become more expensive due to import taxes.
A Trade War With Global Consequences
As Trump hints at a possible reduction in the 145% tariff on Chinese goods &mdash; stating it will "drop significantly, but not to zero" &mdash; the uncertainty continues to roil global markets. What is clear, however, is that countries like Malaysia must tread carefully. Being caught in the crossfire of a geopolitical trade war not only endangers economic interests but also risks entanglement in a global web of fraud and deception.
Malaysia must now navigate these turbulent waters with a firm stance, ensuring its name is not co-opted by foreign actors for unlawful gain, and upholding its hard-earned reputation as a responsible global trading partner. The time to act is now.
What are your thoughts on this? Let us know in the comments. 
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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South Korea also uncovered falsely labelled goods, highlighting the scale of the transhipment schemes.

5ef2f3dbbc062a17bffd7944ae008473645f6f720f5fd9a0a84e976ec262a450

Malaysia Caught In US-China Trade War As Chinese Firms Mislabel Exports To Avoid Tariffs

The United States has imposed sweeping new import duties on solar panels from four Southeast Asian countries &mdash; Malaysia, Vietnam, Cambodia, and Thailand &mdash; in a move that is shaking up the global solar industry. The decision, aimed at bolstering American manufacturers, has drawn sharp criticism from industry players in the region and may have far-reaching implications for solar supply chains, investment flows, and green energy goals.
Tariffs of Up to 3,521% Following Yearlong Investigation
<img src="https://r2.myc.my/fd7a24e27afef6e0915ae6627b58d78ae9ef4e8287ffe2a759532d0820fa1996" />
The new tariffs, announced by the US Department of Commerce, are the result of a year-long anti-dumping and countervailing duties (AD/CVD) investigation. The probe concluded that manufacturers in the four ASEAN countries unfairly benefitted from Chinese government subsidies and sold solar products in the US at below-market prices. The investigation was originally initiated during the Biden administration and pursued under pressure from a coalition of US solar manufacturers.
The resulting duties are staggering: Cambodia has been hit with the highest rate &mdash; a colossal 3,521% &mdash; after it reportedly ceased cooperation with the US probe. Vietnam and Thailand face tariffs of up to 396% and 375% respectively. Malaysia, though assessed more leniently by comparison, still received a nationwide rate of 34.4%, with certain companies facing significantly higher duties due to a lack of cooperation. Jinko Solar, for example, was assessed at 40% for exports from Malaysia and 245% for Vietnam. Trina Solar faces levies exceeding 375% for Thai exports and over 200% for those from Vietnam, while JA Solar modules from Vietnam could be taxed at around 120%.
US Seeks to Protect Domestic Manufacturers Amid Political Push
&nbsp;<img src="https://r2.myc.my/33fce60b543e0905b4ffe8a1fcce3178186ae6e439fcd15f89aea606ac6f92ab" />
The imposition of these tariffs aligns with US efforts to revitalise its domestic manufacturing base &mdash; a bipartisan goal under both former President Joe Biden and President Donald Trump. Under the Inflation Reduction Act, the Biden administration has pushed for greater domestic production of renewable energy components, including solar panels.
&ldquo;This is a decisive victory for American manufacturing,&rdquo; said Tim Brightbill, co-chair of Wiley&rsquo;s international trade practice and counsel for the coalition of solar companies that brought the case. He accused Chinese-headquartered solar companies of exploiting trade loopholes to undermine US firms and cost American workers their jobs.
American solar manufacturers such as Hanwha Q Cells and First Solar Inc. are likely to be among the beneficiaries of the new policy, which is intended to curb reliance on lower-cost imports and protect US market share.
Malaysia&rsquo;s Solar Sector Under Pressure
&nbsp;<img src="https://r2.myc.my/dcf345cd6cb0575de93d0828366e50c139a0281994c641993d92dd391c370526" />
The impact on Malaysia could be substantial. The country exported RM12.5 billion worth of photovoltaic (PV) products to the US in 2024 &mdash; around 33.4% of its total RM37.4 billion in solar exports. While Malaysia's blanket tariff rate of 34.4% is lower than those imposed on its regional peers, several companies have been subject to rates as high as 81.24%, mainly due to non-compliance with the investigation.
The Malaysia Photovoltaic Industry Association (MPIA) warned that the latest tariffs could be the final blow for Chinese-owned solar manufacturers operating in Malaysia, many of whom were already reeling from previous rounds of US trade restrictions. MPIA president Davis Chong noted that these firms were "almost killed off" by earlier tariffs and are now accelerating their exit from Malaysia, relocating production to other regions such as South Asia or the Middle East.
Several major Chinese players &mdash; including JinkoSolar, JA Solar, Risen Energy, and Longi Green Technology &mdash; have reportedly scaled back or suspended their Malaysian operations. Risen Energy, for example, had committed to a RM42 billion investment plan in Malaysia over 15 years but may now reconsider its future in the country.
Global Solar Oversupply and Market Reactions
&nbsp;<img src="https://r2.myc.my/13ef7cef551c59d832b2c984a1e2388325b641846bc18cfd826bbfd8b8c28f6b" />
The global solar industry is already grappling with oversupply, and the new US tariffs could worsen the imbalance. Malaysian industry leaders have said they do not expect mass "fire sales" of solar panels unless manufacturers are looking to clear inventory ahead of plant closures. However, the market impact is being closely watched.
TA Securities has predicted only a "mild" short-term effect from excess supply, as solar panel prices are already near the bottom. MPIA&rsquo;s Davis Chong believes prices will likely stay below US$0.10 per watt, benefitting local solar installers and developers who continue to source most of their panels from China.
Malaysian installation firms such as Solarvest Holdings Bhd and Samaiden Group Bhd reported minimal earnings impact from the new tariffs, as they do not rely heavily on US exports and benefit from the global surplus in supply.
Risk of Broader Economic Fallout
Beyond the solar sector, concerns are rising over the potential macroeconomic impact on Malaysia&rsquo;s role as a major player in the global renewable energy supply chain. Tan Sri Soh Thian Lai, president of the Federation of Malaysian Manufacturers (FMM), warned that the country&rsquo;s status as a global solar hub could be jeopardised. He cautioned that the new US duties may prompt manufacturers to halt production, delay expansion, or shift operations elsewhere.
Solar exports account for approximately 2.08% of Malaysia&rsquo;s total RM601.2 billion in electrical and electronics exports in 2024. While this may seem modest, the solar industry is strategically important for Malaysia&rsquo;s green economy transition and its investment attraction strategies, particularly through tax holidays and other incentives.
Looking Ahead: More Tariffs to Come?
&nbsp;<img src="https://r2.myc.my/883a74277265963524f290cd89a9d65310e78feddf68d2b12cf6494e1476fb6c" />
The US International Trade Commission (USITC) is expected to deliver a final ruling by 2 June 2025 on whether American solar manufacturers have indeed suffered material harm. If the USITC affirms the findings, the newly proposed tariffs will become permanent.
However, analysts warn that this may not be the end of US trade actions. Countries such as Indonesia, India, and Laos &mdash; which have seen growing solar manufacturing investments in recent years &mdash; could face similar scrutiny and duties in the next wave of trade defence measures. Indonesia, for instance, is projected to host over 20 gigawatts of foreign-owned solar capacity by mid-2025, up from just 1 gigawatt in 2022.
JA Solar, for its part, has already announced it will open a new manufacturing plant in Oman by the end of 2025 as part of a broader strategy to diversify away from tariff-hit countries and reduce reliance on the US market.
Conclusion: A Crossroads for the Solar Industry
The US tariffs mark a pivotal moment for the global solar industry. While they promise to stimulate American manufacturing and address long-standing complaints about unfair trade practices, they also threaten to fragment international supply chains and undermine cost-effective access to renewable technologies. For Malaysia and its ASEAN peers, the challenge lies in adapting to this new trade landscape while safeguarding jobs, investments, and long-term green energy ambitions.
As solar panel prices fall and global oversupply persists, the next few months could be critical in determining whether Southeast Asia can remain a key pillar of the solar energy revolution &mdash; or whether the centre of gravity will shift elsewhere.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Despite a supposed 90-day pause, the US just hit four ASEAN nations with massive new solar tariffs.

6f89b5447d941a5591b03a6d1d0b6ad978351c3e4ee91c94a2c92d4cb5adfbdd

US Slaps Up To 3,521% Tariffs On ASEAN Solar Panels, Threatening Malaysia’s Export Industry

Google Pay has taken a major step forward in its regional payment strategy by introducing ShopeePay and Touch 'n Go (TNG) eWallet integration in Malaysia.
 The move makes Malaysia the first country in Southeast Asia to support this kind of eWallet connectivity on the platform &mdash; marking a significant evolution in how Malaysians shop, pay, and manage their money online.
With the new feature, Android users can now make payments using their preferred local eWallets directly via mobile websites on Google Chrome, simplifying the digital checkout process and offering more inclusive options for those without credit or debit cards.
A Frictionless Way to Shop Online
&nbsp;<img src="https://r2.myc.my/2875dc60ea3f1b6d9bad477e2b4c86996db55eb85d60b865623f98930135f4d6" />
Previously, Google Pay users were limited to traditional card-based payments. Now, by linking ShopeePay or TNG eWallet, users can access seamless online checkouts with just a few taps. No more app-switching. No more tedious logins or manual top-ups. Just click the Google Pay button or select the &ldquo;eWallet&rdquo; option at checkout to pay instantly through your linked account.
This new convenience applies to a growing number of participating merchants in Malaysia. Currently, it is available with businesses that use payment gateways Fiuu and iPay88, including:
<ul>
<li>Nando&rsquo;s</li>
<li>US Pizza</li>
<li>Alpro Pharmacy</li>
<li>TK Bakery</li>
<li>Yoyo Bus</li>
</ul>
The number of merchants is expected to expand as Google rolls out further support for local partners.
Why This Integration Matters
&nbsp;<img src="https://r2.myc.my/6250582079d2e84a261e8b52e57ac86eea92998a11b735a0f45c5c43e163c946" />
This development is more than a tech upgrade &mdash; it&rsquo;s a strategic shift aimed at digital inclusion and local relevance. By incorporating ShopeePay and TNG eWallet into Google Pay, Google is actively catering to the financial habits of Malaysian consumers, many of whom are more reliant on mobile eWallets than on credit cards.
As noted by Farhan S. Qureshi, Country Director for Google Malaysia:
&ldquo;By integrating with trusted local platforms like ShopeePay and TNG eWallet, we are localising Google Pay to match their everyday payment preferences, and delivering a frictionless and secure manner when shopping on their favourite mobile sites on Google Chrome.&rdquo;
This also supports broader financial access for underbanked or unbanked communities, who may not qualify for conventional cards but are digitally literate and active on mobile platforms.
One-Time Setup, One-Click Payments
&nbsp;<img src="https://r2.myc.my/e110330e3ffd7c620e2d7c54799cc39de20e7dba9a42b2b1e578e58aee825092" />
Getting started is simple. Users only need to link their ShopeePay or TNG eWallet accounts to Google Pay and complete a one-time verification using their eWallet&rsquo;s app.
Once this is done, users can:
<ul>
<li>Shop online at participating mobile websites</li>
<li>Select Google Pay or the &ldquo;eWallet&rdquo; option at checkout</li>
<li>Complete payments with a single tap, secured by biometric (fingerprint) or PIN authentication</li>
</ul>
Each transaction is protected by robust security protocols, and all eWallet-based payments on Google Pay will continue to require verification for added peace of mind.
Beyond Payments: Top-Ups and Future Features
In addition to making payments easier, users can also top up their eWallet balances directly through Google Pay &mdash; removing the need to switch between different apps. This function adds a layer of efficiency to money management, allowing users to keep their accounts funded without the extra friction of multiple apps.
Even more convenience is on the horizon. Google has confirmed that it is working to roll out a feature allowing users to view their eWallet balances directly within Google Pay, consolidating both payment and balance-tracking in one place.
What&rsquo;s Not Included (Yet)
It&rsquo;s worth noting that this eWallet integration is currently limited to mobile web transactions via Google Chrome on Android devices. It does not extend to Google Wallet or support tap-to-pay functionality at physical retailers &mdash; meaning users cannot yet pay with ShopeePay or TNG eWallet by tapping their phone or smartwatch at a checkout terminal.
This may be a disappointment to some, but Google&rsquo;s decision reflects a phased approach, starting with online payments and potentially expanding into in-store use cases in future updates.
Powering Malaysia&rsquo;s Cashless Future
This integration positions Malaysia as a fintech frontrunner in Southeast Asia, showcasing its digital maturity and the widespread adoption of local platforms like ShopeePay and TNG eWallet. As eWallets become essential for everything from food delivery to online shopping, the move is set to accelerate cashless adoption and offer a safer, more seamless alternative to card-based payments &mdash; particularly for mobile-first users.
Looking ahead, Google aims to support more eWallet partners, further localising its services to match Malaysia&rsquo;s fast-growing digital economy. If successful, the initiative could set the standard for similar innovations across the region &mdash; proving that the future of online payments is not just global, but also deeply local.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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No more switching apps — just tap and pay!

d8cd64c22c04f34f813c9924fb73c4d264c523916dd3a6824f4e5048532fd0e6

Malaysia Becomes First In Southeast Asia To Launch ShopeePay & TNG eWallet Integration On Google Pay

TikTok Shop Malaysia has teamed up with the Ministry of Domestic Trade and Cost of Living (KPDN) in a strategic effort to combat the growing threat of online scams. Through a nationwide educational initiative dubbed #ShopSafe, the collaboration aims to raise awareness among Malaysians about best practices for secure digital shopping.
This move comes in response to increasing reports of online fraud&mdash;particularly scams that occur outside of legitimate e-commerce platforms. The joint campaign underscores the importance of public vigilance, technological safeguards, and inter-agency collaboration to build a safer online shopping environment.
A Proactive Approach to Consumer Protection
&nbsp;<img style="display: block; margin-left: auto; margin-right: auto;" src="https://r2.myc.my/95cae4ea8f791ae2b07be4da57a12524c711bb081822fbb92483ed040a7326e0" />
Speaking on the partnership, YB Datuk Armizan bin Mohd Ali, Minister of KPDN, highlighted the importance of digital literacy in today&rsquo;s online economy.
&ldquo;We are delighted to partner with TikTok Shop to educate Malaysians on best practices when shopping online,&rdquo; he said. &ldquo;It is crucial that consumers are equipped with the right knowledge and tools to #ShopSafe digitally.&rdquo;
He noted that the majority of reported e-commerce scams are perpetrated outside trusted platforms, where scammers often lure victims via phone calls, phishing links, or direct bank transfers. These scams typically bypass the safety protocols embedded in reputable e-commerce platforms like TikTok Shop.
&ldquo;TikTok Shop&rsquo;s commitment to consumer safety is commendable, and we look forward to working closely together to tackle online scams head-on,&rdquo; the minister added.
TikTok Shop&rsquo;s Commitment to a Safer Online Marketplace
&nbsp;<img style="display: block; margin-left: auto; margin-right: auto;" src="https://r2.myc.my/62d1ad9bef1243b0bc18f47c3eb79a99796568ed8aa1630424c18805951036c2" />
Nur Azre Abdul Aziz, Director of Strategic Partnerships at TikTok Shop Malaysia, echoed the minister&rsquo;s sentiments. He reaffirmed the platform&rsquo;s ongoing commitment to user safety and platform integrity.
&ldquo;Safety is our top priority at TikTok Shop,&rdquo; said Nur Azre. &ldquo;We consistently invest in both human resources and cutting-edge technologies to ensure that Malaysians can shop online with confidence and peace of mind.&rdquo;
To support this commitment, TikTok Shop has implemented a 15-Day Free Return and Refund Policy, providing customers with recourse should issues arise post-purchase. This customer-centric policy underscores the platform&rsquo;s dedication to after-sales support and fraud mitigation.
Furthermore, in just the first half of 2024, the platform proactively rejected 20.4 million product listing attempts and blocked 2 million seller account registrations that failed to meet TikTok Shop&rsquo;s strict compliance standards.
&ldquo;Fighting scams is a shared responsibility,&rdquo; Nur Azre added. &ldquo;We are immensely grateful to KPDN for their support in promoting the #ShopSafe initiative. Together, we can empower the public with the knowledge needed to stay vigilant against evolving scam tactics.&rdquo;
#ShopSafe Tips: Practical Guidance for Online Shoppers
The core of the campaign centres around three key pillars&mdash;practical, actionable advice that online shoppers can follow to avoid falling victim to fraud.
<ol>
<li> Avoid Off-Platform Purchases </li>
</ol>
<img src="https://media2.giphy.com/media/v1.Y2lkPTc5MGI3NjExajg0NWVyY3V5MmF1M2xkZGt3a2xoYnFjd2IxbWk3bWNnZWZtZmI4MiZlcD12MV9pbnRlcm5hbF9naWZfYnlfaWQmY3Q9Zw/3Zs26J8u7LWdW/giphy.gif" />
TikTok Shop strongly advises users to complete all transactions solely within the official app or website. Off-platform deals&mdash;especially those initiated via messaging apps, suspicious phone calls, or unknown links&mdash;pose a high risk of fraud and are not covered by TikTok Shop&rsquo;s consumer protections.
To support this, the platform enforces:
<ul>
<li>Strict Product Listing Guidelines to screen out harmful or misleading products.</li>
<li>Rigorous Seller Registration Processes that weed out potentially deceptive vendors.</li>
<li>Policies such as the Platform Abuse Policy, Anti-Counterfeit Policy, and 100% Authenticity Guarantee under TikTok Shop Mall.</li>
</ul>
Additionally, users are urged to:
<ul>
<li>Only download TikTok&rsquo;s apps through official sources such as the <a href="https://www.tiktok.com">TikTok website</a>, Google Play Store, or Apple App Store.</li>
<li>Avoid using APK files or third-party app download sites, which could be laced with malware or spyware.</li>
<li>Stay alert for misspelt URLs, fake domains, and impersonator websites.</li>
</ul>
By following these precautions, users can protect themselves from common online traps, including false advertising, cash-on-delivery (COD) scams, brushing scams, phishing, and identity theft.
<ol start="2">
<li> Never Share Sensitive Personal Information </li>
</ol>
&nbsp;<img src="https://cdn.dribbble.com/userupload/24646850/file/original-31e28e78a60f0b8e3db278b5c784e72e.gif" width="510" height="382" />
The campaign also stresses the importance of data privacy and urges users to never share personal or financial details with unknown parties.
Key recommendations include:
<ul>
<li>Familiarise yourself with TikTok Shop&rsquo;s Privacy Policy, which outlines how personal data is collected, stored, and safeguarded.</li>
<li>Be wary of messages or phone calls from individuals claiming to represent TikTok Shop, government bodies, or law enforcement. The platform will never request sensitive data such as:</li>
<ul>
<li>Login passwords</li>
<li>Transaction Authentication Codes (TACs)</li>
<li>Credit or debit card information</li>
</ul>
<li>Enable two-step verification on the TikTok app for added security, which ensures an additional layer of protection even if a password is compromised.</li>
</ul>
Following these steps can significantly reduce the risk of falling victim to Macau scams, impersonation fraud, and account hijacking.
<ol start="3">
<li> Report Suspicious Activities Within the App</li>
</ol>
<img src="https://i.redd.it/u83stti0pfp51.gif" alt="CDN media" />
TikTok Shop empowers its users to play an active role in maintaining platform integrity. All suspicious behaviour, including fake listings or potentially harmful sellers, can be reported directly via the app.
<ul>
<li>Every product page contains an in-app reporting feature that allows users to flag violations in real-time.</li>
<li>Customers can also engage with live agents through the Help Centre for order-related queries or safety concerns.</li>
</ul>
The platform&rsquo;s robust 15-Day Return and Refund Policy ensures that buyers who encounter problems with their purchases have clear channels for recourse&mdash;be it damaged items, non-delivery, or misleading product descriptions.
A United Front Against Online Fraud
TikTok Shop and KPDN&rsquo;s partnership represents a timely and necessary response to the growing complexities of digital fraud. By placing education and consumer empowerment at the forefront, the #ShopSafe initiative encourages Malaysians to adopt safer habits online.
The effort also signals a broader trend: e-commerce platforms are no longer passive marketplaces, but proactive partners in ensuring consumer trust and safety.
As scams continue to evolve, TikTok Shop and KPDN remain committed to monitoring trends, improving platform security, and keeping the public informed. Their joint message is clear&mdash;awareness, action, and accountability are the most effective defences in the digital era.
For more information and safety tips, visit <a href="https://www.tiktok.com/@tiktokshop_my">TikTok Shop Malaysia</a>.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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It’s time to #ShopSafe — don’t become the next victim of an online scam.

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