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Once again, PTPTN (Malaysia National Higher Education Loan) came to the limelight lately with the wrong reasons. In conjunction with this, Finance Malaysia did a survey on Facebook Page asking our fans "Should Government Abolish PTPTN Loans?", and guess the answer given by majority of them? NO . Emmm... What does this mean? It's pretty clear that majority of us thinks that PTPTN should be continue for the following reasons: There is no FREE lunch in this world Borrowers should repay what he borrows The scheme did already help many financially distressed students pursuing tertiary education Thanks for your participation in the survey. Yet, many readers keep asking Finance Malaysia, our view on this matter. Before answering you, we also highlighted that this blog is of freedom of speech, we're not political driven blog, and we tend to be political-neutral in writing. Below is our view on this issue: We agreed that there is no free lunch, especially in Malaysia. We shou...

When writing this article, I am proud to say that I am a local graduate working locally and repaying my PTPTN loan monthly. Who said that graduates can't perform as best as others? Do we necessary needed to obtain hundreds of thousands of loans to study oversea? If I can survive here, why can't you? Of course, I can't deny that some professional courses offered here are not competitive enough. That's why many professionals opt for oversea universities. By graduating oversea as a doctor or lawyer or engineer, it definitely costs you a hole in the pocket. Please bare in mind, it is not your pocket, but your parents' pocket. This is when Public Service Department (PSD) scholarship comes into the picture to fulfill Malaysia's dream to groom our talents, and your parents' dream too. Why don't you come back? Then, this question popped up. Yesterday, it was reported that 65% of PSD scholars did not return home. Surprised? And, most of them is doctor. Although...

As I am writing this post, I know there must be many other student out there doing their part for the school. What I mean here is, these students are not studying or learning or enjoying their school life. Instead, they are told to " do sales " for their beloved school. Do you know that students are running across the town? Do you know that they are sweating under the sun? Do you know that they are wetting under the rain? Doing Sales for the school? Indeed, this is not a new phenomena in Malaysia, at least for the past 20 years. It had been practiced this way since my good old student days. Doing sales here meaning a student is going all out to persuade or convince public to donate money for their school. Is it doing sales? By promoting projects of a school, renovations, new hall, new lab, new school field, students are passionate enough to contribute their energy and time for the benefits of their school. If this is not sales, then what? But, is this the right thing to do...