Gigantic Financial Mess
January 15, 2010 – 6:45 pmI think this is the time to “really” accept the fact that Bruneians are in a big financial mess. ALL Bruneians have loans. Those without loans are special cases. It is not enough to point fingers and say you did this to yourself. That is just stating the obvious and we know the problem will not go away. A few months down the road, the same issue will come up again. Education, awareness, etc. will only affect the future but will not solve the problem at hand.
Despite agreeing to what the government is doing to help Bruneians to get out of this vicious cycle there should be alternative solutions provided for Bruneians to choose from. Please dont stop only at curbing future problems but provide solution(s) for existing problems.
True, the new directive on credit cards will lessen the issuance of credit cards in the future and “solve” the current problem of “problematic” credit card holders. But Bruneians need alternative solution(s). Going to the bank to restructure existing loans would be one but then the banks are bound by the rule of the “certain percentage” that borrowers have to pay or attain in order to qualify for a restructure. Mr Javed’s recommendation will be a good solution but for those who are able to make further increase in their existing loans but what about for those who cant?
I am not an economist nor I have a degree in economics but please just consider this proposal.
The main issue faced by ALL Bruneians is the issue of CASH IN HAND at the end of the month. There is simply not enough cash to go around at the end of every month because Bruneians spent a big chunk of the monthly salary paying for PERSONAL LOANS. Most Bruneians will pay almost 75% of their salary on personal loans. With more or less 25% left Bruneians have to juggle between other loans and obligations. Solution - go for credit cards.
So when will this end? Yes in about 9-10 years (starting from the date when MOF issued a directive on personal loans). But in the meantime Bruneians are falling like flies with banks hitting hard on them to pay back credit cards loans and other loans, hence the new directive.
Now this is my suggestion. Issue a directive for banks to restructure personal loans ON THE REQUEST OF CUSTOMERS. Lift up the directive of “certain percentage” that has to be paid or attained. This is simply a restructuring and not a reloan - banks should not give a reloan. Bring that “cash in hand” amount to almost 40-50% or less or depending on what the customers think they need to survive and save each month (but very careful with this and banks should have a ceiling). Sure Bruneians will have to pay more interest and longer time to settle everthing, hence ON THE REQUEST OF CUSTOMERS. But Bruneians will have more spending power and can pay more than the minimum amount on credit cards. I think this is a win-win situation. The Bruneians will have cash in hand and banks will have their profit. But dont stop only there. Issue another directive for those who restructured their loans (a certificate should be issued and info to be shared amongst banks) stopping them from taking other form of loans – hire purchase, credit cards, etc – and banks should be strict about this.
Insyallah with restructuring of PERSONAL LOANS, coupled with the existing directives on loans and credit cards and future directives after the restructuring, Bruneians will “breathe” easier every month and dont have to find other forms of financial sources.
Some might say this is a reactive rather than a proactive solution, finding a single solution when a problem arises. But we have to realise and accept that the nature of financial problems in Brunei need this sort of approach. This is human nature - survival, people will do whatever it takes to survive, just like the banks would do to chase after their “problematic” customers.
This post was submitted by ahmadzaki.
32 Responses to “Gigantic Financial Mess”
I like u.
By Rose on Jan 15, 2010
Much blame looks to be heaped on the government with very little on lenders or borrowers themselves. I find this surprising when all loan transactions are carried out between these two latter parties. As usual, the bankers seem to act with surprise on this government action and that their CEOs or MDs continue to act as if they didn’t smell this coming. Same thing happened in the personal loan restrictions too. I do not believe bankers do not have regular meetings with these officials and aren’t there always rumors or insider tips of impending action or at least warnings? Either someone in the respective bank’s liason dept isn’t doing their job, or the banks’ called the govt’s bluff.
As for borrowers, its’ true we have every right to try and apply to see whether we are considered a worthy candidate to borrow money. Banks then assess our individual credit worthiness but I’ve notice that in recent times, anybody can get a credit card or have a $5000 credit limit (and flash this about). Unfortunately, with this we believe that bankers and banks are on our side. The truth is that they are not our friends. They certainly don’t eat what they dish out and they even put stringent restrictions on their own staff’s credit limits and loan sizes because they know how terrible loans can be. Furthermore, they get commissions or bonuses for selling their products to us and when we don’t pay up, they will call us every day to chase for payment. So you may ask, how can the $800 pm wage earner obtain a credit card in Brunei, it is because of the low risk of Bruneians’ losing their jobs. The lending trend has worsened and banks have been using depositors’ money to lend out to people that in other countries would typically not be lent out to i.e. does subprime sound familiar? Even if the borrower is not considered a high risk borrower, if you give a $10k limit to a new graduate (like my daughter), there is certainly an increased probability that she will fall into financial problems in the future.
Credit cards are considered in first world countries as legalized forms of loan sharking because of the exorbitantly high interest rates of > 20% pa. I read that if one were to pay the min. 2% of your outstanding amount, every month on a $1000 outstanding balance will normally take 15 years to clear out because you are paying a multiple amount of interest every year (now imagine a $10k debt). Observing this trend over the last 20years, the truth is that we are making the banks, the bankers, and the companies that promote payment via cards very rich indeed. Now, they will have to assess their strategy but that’s their job and they get paid for that (excessive sale of credit cards was never a viable long term strategy anyway – sell more mortgage loans pls!) The restrictions set by the govt recently, was also part of their role as a supervisor of the market, to slow down something that was certainly getting out of hand. We Bruneians are fortunate that the conduct of the govt has always been noble, such as to provide a stable welfare system (safety net for the poor or Al Ghrimin). From what my friends say, much of Brunei’s categorized poor are a result of over-borrowing or lack of frugality in some ways (but that’s hearsay). Providing a pension and free or cheap healthcare and schooling for all Bruneians and permanent residents is also part of their ongoing initiatives. Put it this way, much of these plans are to prevent us from becoming poor - we are fortunate to be Bruneians.
While my letter is long, I feel impassioned to write because I want us to realize the truth or we will continue to always be played or what previous writers have noted, become the laughing stock of the region. So should there be no criticism be placed on the govt? Certainly not. There is continued room for further improvement with my immediate criticism being (i) could this have been put in place earlier? (ii) I believe that the govt lacks the media savyness /process of the private sector so initiative may get played out the opposite to what you’re trying to achieve.
By Abdullah (recent IC holder) on Jan 17, 2010
I totally agree with ahmadzaki.. Brunei started to have this “financial mess” after the Ministry of Finance imposed a strict directive relating to ‘personal loans’ about five years ago by which the luxury of loaning a large amount of money for personal use was drastically reduced to just ten times. Some would use the personal loan to buy car, house and even a piece of land. And when the Ministry suddenly cut down the only access to large cash - bruneians are left with no options but to find other alternatives to get cash. I am sure if the Ministry of Finance did their research and communicate with the banks in Brunei, credit card sales started to pick up after they issued the new personal loan directives because they failed to see how their actions would have a huge impact to people who had used a large chunks of their personal loans before. People who had never had taken their personal loans before the new regulations would not feel this impact and they will have the chance to use their personal loan wisely unlike the borrowers before.
Now- we applied credit card because we need money. Technology are getting so fast and it is necessary for people to own a computer nowadays!! And if the Ministry of Finance thought that by cutting credit card will help lessen the bruneians financial situation,well, think again. We definetely would need money to put deposit and pay all of it in just 36 months. 8% a month???? I guess most of us would only have a small amount of money left at the end of the month because of this. Does the Ministry of Finance knows that some people out there pretended to buy furnitures, cars, renovate houses and buy houses using bank loans to get cash? But they had to pay about 5% to even 50% of the loaned amount so that they could have CASH?
My suggestion would be this - allow banks to give “Consolidation Loan” as a cash relief to everybody without allowing them to transfer banks. And then this will allow people which lots of debts to restructure their finance..
By Tulip on Jan 17, 2010
I suppose not just financially but also when comes to education ! AS a parents i think our education system is also in trouble. Looking at their text book are we going backward here or is it my imagination.
sasak man. Dont tell me it is free so appreciate it !
By sasak on Jan 18, 2010
Liked Ahmadzaki, like Rose better for the proposal on Consolidation LOAN to meet the credit card directives…then, once settled, impose whatever directives, should be ok by then…..Trust me…
By liked ahmadzaki, like rose better on Jan 18, 2010
Thank you for the comment but I dont quite agree with Tulip. By having a consolidation loan would mean Bruneians would be borrowing more money on top of what he/she borrowed earlier. That is NOT what I believe would “help” in solving the problem. That would only spell more TROUBLE. We should realised our mistake and not “gali lubang untuk tutup lubang”. The “lubang” is there already and we need to close it “properly” with time but at the same time be able to survive every month. Hence my suggestion of just restructuring the existing loan so that we have more cash in hand to survive and pay off the credit cards loan. Borrowing more money is not the answer.
By ahmadzaki on Jan 19, 2010
So difficult!! the important is. Dont make our Bruneians “SUSAH”. Because of ‘money’ orang buat hal yang buruk lagi..exp mencuri kah, what ever lah. pandai tah pehak MOF and Bank bagi kelunggaran.
By teman baru on Jan 20, 2010
Salam, solutionnya boy! pakai debit card saja salnya inda ada 0% intrest tu ganya bayaran service tahunan macam bayaran tahunan mobil phone, lau ada duit dalam bank card boleh dipakai pi lau inda ada duit dalam bank paham-paham sajalah isikan balik pi inda boleh overlimited. recently i am doing this.tq wasalam.
By penglima kecil on Jan 20, 2010
Surely, this new policy will indeed bring down brunei economy when brunei economy is not doing well lately.
MOF should have open discussion with bankers and economics people for pro and cons.
YES, Brunei ppl will be less debt free after 3 yrs. How abt now and this coming 3 yrs, how brunei gonna tackle all this problem. We have BEDB doing industrial project SME loan to push SME in Brunei, but if consumer are not able to spend, u think SME can survice? Brunei doesnt have much tourist coming in.
My Forcast impact for Brunei- Card centre in Bank shrinking leading many jobless.
Business arent as well as before, leading to closure of business.
More crime, as a sudden change of financcial is not adaptable.
MOF should look into BANK PRODUCT rather than into the people of Brunei.
For instances, HSBC giving ppl credit such as PCN. You are already into their debt listing once apply cause consumer will just use all the overdraft and unable to pay
With MOF having such a policy, Bank would look for more product and let consumer fall into it.
Saying letting us ahving a saving scheme but ended up with interest giving out then earnings.
Well, MOF- Please look into Bank Product, there are the 1 that make your people in such a crisis
By kenny on Jan 21, 2010
wat the hell r u talking about panglima kecil? debit card wont solve anything on credit card…i notice most of ur comments here in HYS are always irrelevant…so fahamkn ceta bru nyampuk k…salam…
By Jonah Hawk on Jan 22, 2010
Assalamualaikom, Congratulate all for trying to help the situation and praise for our Bruneian Brotherhood spirit and family.
Briefly, anybody know what is the root cause if we can share. It could be more than one?
The proposed mechanism or process to solve or help reduce the problem seems to be familiar and have been like before. How about starting with our culture, mentality, global effect and religion and perhaps our attitude as result of those 4 mentioned. It looks like a very big one for our capacity?
By Easy Pandan on Jan 22, 2010
The more things changed the more it stays the same…people will still have a massive debt and payments..with the new system we still be in this financial mess.. In fact it will make us fall even deeper..(for some people including myself)..
i just learned that after June our credit cards will be converted to loans.. we will have to pay the remaining balance in 3years time or 36months, on 14% interest p.a..so the total interest is 42% for the 3years…just imagine if the balance is $2000 and the 42% of it is $840, so the total will be $2840…wow!! that is quite a lot…and the minimum repayment of that total amount is 8% per month…
lucky me i didn’t agree the bank to increase my credit limit last time i applied…
and lucky me i only have 2 credit cards with 1 i haven’t use yet…but i just cant imagine what will happen to people with 3 or more credit cards with all have been used…
we cant blame anyone on this but ourselves…its our mess so we have to clean it up ourselves…i know in other way, MOF are trying to help us…i know the interest have been reduced from 24% to 14% p.a…but what i regret about this, its all happening too soon…without a warning…
By Jonah Hawk on Jan 23, 2010
kepada pihak kerajaan /dan menteri kewangan..
harap2 baca tah post ani,mamana orang brunei ani susah,CUBA PIKIRKAN,GAJI ORANG KRAJA KERAJAA ANI $800 TAH PALING RANDAH,KALAU DIPOTONG KERETA LAGI BULAN2,MAKAN MINUM ANAK,MINYAK KERETA,CUKUP KAH TU?ORANG MAU JUA SEDIKIT KESENANGAN!BUKAN KERAJA PAGI PATANG ,CUKUP MASA CUKUP TAH TU!!!INGAT KAMI ANI HAMBA ABDI KAMU KAH????APA SALAH NYA KERAJAAN NAIK KAN GAJI PEKERJA.HARAP2 KEBAWAH DULI DANGAAR DEH RINTIHAN RAKYAK SUPAYA MENGELAK DARI MEMINTA DUIT ZAKAT SENDIRI!!MUN PAHAM BISAIz!!INDA DAPAT DIPALOI2KAN RAKYAT ANI!!!INDA SILAP MASA NANTI,KAMI YANG SUSAH KALAU DIBIARKAN!!!BAH EYH BACA TAH OLEH MU ORANG KEWANGAN!!
By JOHN CENA/TRIPLE H/SHAWN MICHEAL on Jan 24, 2010
awu eh.,..parah banar….udah tah semua kan disekat sekat….lain lah orang beusin….mun gaji sampai 20k nda jua apa dey kan membyr sekali gus….mun gaji 20k pun alum tntu org kan meloan….bek tah org yg rasanya memikirkan hal nya yang mampu atu yg membuat policy atu…kewangan kah tu…ah ketua jabatan tu la tu…mun kuli nya nda jua patut yang membuat….bek tah pikirkan org dibawah bawah ani…lau inda biar tah semua minta anugeraha ja…atu pun anugeraha tu alum tantu kna bagi…mun jawapan pun nada…ntah apakah durang buat tu sama borang2 yang dibagi balik ah…kan minta zakat…ada jua rules nya kali ah….kan ku bgtau bukan ja org bgaji dibawah 1k ani terlibat org gaji 3k ke 5k pun tlibat jua ni beutang2 ani…bek tah eh…jgn pikir hidup gaji makan seorang ja…mun beranak pinak nya mu…adakan dibagi makan…banyak keperluan kali ah kitani ani…pkirkan tah tu org yg membuat policy ar….pkir kan mcmana kan INDA “mnyusahkan rakyat”…
By orangNdaKaya on Jan 25, 2010
Awu bnr tu.. MoF sudahkah kamu fikir-fikirkn pro & con tindakan kmu ani dr semua segi? Cuba tah fikirkn macamana jlnkn memudahkn orang Brunei. Bukan mcari jalan yg akan myusahkn dan memaksa rakyat Brunei ke jalan buntu. Jgn hanyakn mcari jln camanakn mnurunkn statistik org berhutang.. tp nda kmu mmikirkn apa effectnya rah org Brunei.
Mcmana klu org atu contohnya ada byk kad kredit.. 3-4 kad misalnya. Mau2 brapakn dbyrnya tu sbln? Campur tah lagi klu ia ada personal loankh, loan kretakh etc.. Karing eh..
Pernahkh kmu terfikir apa akibat buruk yg mungkin tjadi? Klu dulu kna sekat personal loan.. Mmglah orgkn mncari alternative yg lain. Bkn semua org sanang. Byk tah org apply kad kredit. Ani kna sekat lg kad kredit. Kmana lagi org mcari alternative?
Pernahkah kmu tfikir mungkin dr tindakan ani boleh mningkatkn jenayah dnegeri ani? Cna boleh?
Kn ragam manusia ani klu sdh kna paksa kjln buntu.. biasanya manusia anikn mcari jln mudah yg boleh mlepaskn dorg dr masalah khususnya yg bkaitan dgn kwangan. Contoh; mencuri, mrompak.. 1 lagi ada kmungkinan org mncari ceti, along utk berhutang.. nda mustahilkn.
MoF fikir-fikirkn tah sbelumkn meyekat-nyekat ani. Ambil jln yg boleh mmudahkn bkn myusahkn..
By Prihatin on Jan 25, 2010
awu eh napa th disekat kad kredit. dgn cra mof atu blh mdtgkan pelbagai Jenayah yang berlaku seperti mcri along. blh bagi 3-5 thn utk settle kad tapi jgn th dinaik kn percent nya. cari th alternative lain bh. cuba th byg kan harapkn bonus inda ckup bh utk mbli buku anak2 mun anak 6-7 org paksa jua kai kad kredit. mun nda atu ank2 grnT nda sek.
By sasak banar on Jan 25, 2010
mcm mana th solution nya ni. bkn kn memperbaiki tapi memburukkn adalah. cuba th mof kaji lagi mkin th byk org naik mahkamah sal inda tbyr kad kredit. makin th yg byk org black list. survey dulu sblm membuat keputusan jgn main antam utk dpt nama saja. konon bagus la. aku agree dgn sasak man masa ani sek perlukan duit utk bli text book apath lagi nanti spn21 yg rata2 textnya lagi mahal tapi isi msh sama. cuma beza basar n bkala. indakh ani myeksa namanya tu. sdg kn masa ani loan inda dpt atu th usaha selanjutnya utk mdptkan duit mbli buku.kaji dulu bh. sal durg2ani inda pernah merasa susah iath tu sesuka hati saja durg.
By inda pandai paham mof on Jan 26, 2010
Aku stuju sma pendapat ’sasak banar’ atu.. mungkin salah satu solutionnya percent minimum paymentnya atu dkekalkn & tahunnya dganjakkn lagi.. 5 tahunkh.. atau boleh bg option. Siapa mau byr 8% sbln dlm masa 3 tahun, ia ambil atu. Siapa mau dkekalkn percentnya tp tahun dganjakkn, ia ambil atu.. Inda jua org awal2 bln sdh sasak nafas kan…
By Prihatin on Jan 27, 2010
To john cen/tripleH.. naik kan gaji pekerja? apanya..? udah jua kerajaan menaikan gaji kamu.. kan minta naik lagi? heheheh..
By sasak jua on Jan 30, 2010
As a follow to Al-Gharimin issue, the relevant authority is now looking at a drastic measures of imposing stricter rules on CC usage which seems unreasonable…and a follow-up to yesterday khutbah, I believe what is much more reasonable to do is to revise back the salary scale…I believe it has been 20 years that there is no such thing as ‘naik gaji’…the accelerated increment granted few backs does not seem to help many but instead making the ‘gaji mati’ faster than it should be…hence leaving people with current debt issues remain unsolved…revising the salary should be done sooner as prices of immediate goods like canned food, instant food, cooking oil, sugar, etc are continue to rise…subsidizing is no longer relevant…or else we will forever be ‘rakyat yang sentiasa meminta-minta’ ‘rakyat yang suka barang free (free-loader)’… it is time to look into the root i.e salary scale and not imposing rules on the surface…it is a wake up call…
By second thought on Jan 30, 2010
Sebenarnya kitani rakyat Brunei ani bukan apa sebagai experiment org basar2 menunjukkan kuasa durang yang durang bulih buat apa saja sampai membuat rakyat menderita…. cuba tah pikirkan masak2 ani pikir kan kepetingan durang saja…Pikirnya dengan berbuat macam atu rakyat akan bebas dari utang!!! mana kan mecari duit ah…jgn hairan Brunei nanti jadi sarang maksiat dan jenayah, sebab apa!!!kemungkinan bini2 terpaksa melacur hanya kerana mencari duit mebagi makan keluarga, macam atu jua sisuami or lelaki paksa mencuri o bjual dadah hanya kerana mencari usin untuk mbagi makan keluarga…. org basar2 mana terpikir semua atu,yang durang pikir diri durang dan kuasa durang….MOF terutama nya!!! Ampun KDYMM beribun ampun,kami sebagai rakyat tolong tah dipertimbangan pasal hal ani….masa ni kami rakyat sedang mengira2 usin untuk membayar payment crd card,mana lagi bali keperluan dapur…susu anak…. apa kamu surah kami minta sedakah kah… atu mohon zakat tah ganya….
By ia kan cari nama tu on Jan 31, 2010
Things that have been ruled out recently by the MOF is good but I think they should have imposed this earlier. Going back to what His Majesty said in His titah regarding “religion”. why after 50 years of neglect in the area of religion. This will lead to one question, what are those so called higher authority in religion doing? I think the same thing happened in the MOF, what have you people did previously eg: 10-15 years back. I believe you are entrusted in planning financial support of the rakyat and if you did what you are doing now maybe we the rakyat will not imposed with financial burden like this at present….I believe we the rakyat have every right to use our salary as we work hard earning it…then you came along and said we the rakyat should follow what you have laid out just to show that you are doing something noww…Please review so that what you plann is working best for the wellbeing of the rakyat and MOF as well..TQ
By Bruknight on Jan 31, 2010
minta maaf jua peraturan kad kredit baru ani, mungkin ada baiknya dilaksanakan dalam satu tempoh masa sesuai selepas orang ramai dapt ‘menelan’ SCP, ani dilaksanakan sekaligus, macam inda dapat dibuat makai ‘tangga’, imagine tah tolak SCP, tolak kad kredit, bagi yang nada masalah ok kali tu, tapi rata2nya cana?
pandangan saja, tq
By adui on Feb 1, 2010
benar tu ckp kamu atu perihatin n sasak liat tah drg buat rakyat menjadi jalan buntu ani banyak kesan buruknya contoh saja mun udah gaji habis byr htg apakan blnja udah atu terpaksa cari along pjm duit untuk kan g mkn anak bini kan minyak keta blanja anak g udah inda tebyar kna intai sana sini entah2 ada yg mati sal kna tagih hutang cuba tah fikir daripada rakyat pijam duit sama along kan baik kalau rakyat atu berurusan htg piutang ani sama bank mcm dulu bkn inda membyr tantu gaji yg kna potg cuba tah fikirkan org yg gaji rendah ani.mgkin ani cara drg yg gaji tinggi ani kan mgmbil kesampatan arah yg gaji rendah supaya drg yg mampu dpt jd along.cubatah fikir keburukan yg terjadi arah yg gaji rendah mencari jln buntu keburukan yg arah gaji tinggi menjadi dosa psl terlampau mkan riba
By RINI on Feb 10, 2010
PETIKAN TITAH
“KEADILAN ialah ubat dan penawar yang mesti tegak dan bersemarak pada ketika ini. Keadilan adalah lampu alam. Tanpa keadilan, ke- hidupan akan menjadi gelap gelita. Kerana itulah, dunia dan kemanusiaan sedang menuntut keadilan politik, keadilan ekonomi dan keadilan sosial yang sebenar-benarnya.” - Titah Menyambut Hari Raya Aidilfitri pada 19 Januari 1999 bersamaan 1 Syawal 1419 Hijrah.
I will stand for my own right to live. MOF.. what you’re doing is to make Bruneian life much more miserable. Please make a few years survey before implement it, learn pros and cons on it.
MOF jangan antam buta saja janji ada keraja di mata kerajaan akhir nya rakyat yang menderita, bukan menolong malah menghanchur kan. Renung renung kan lah “Titah Kebawah Duli” atu untuk kebaikan masyarakat Brunei am nya.
By Rakyat Kebawah Duli on Feb 11, 2010
Mcm mana tah ni.ada berita yg mengembirakan kah about CC regulations ani? Please..mostly whole bruneians mengharapakn berita yg megembirakan…mostly bruneian jua masa ni in dilema abaout CCC (credit card crap) regulations..
By adidas on Feb 16, 2010
Salam, para pembaca sekelian. Aku ani banar2 FRUST DAN INDA PUAS ATI BANAR. KALAU BOLEH AKU KAN MENCAKAPI PIHAK YANG BERKENAAN SAL UNDANG-UNDANG BARU KAD KREDIT ANI. Bukan aku sahaja sorang pengguna kad kredit di Brunei ani. RAMAI BAH YANG TERLIBAT.Selama ani aku nada masalah dalam pembayaran bil bulanan. Datang undang2 baru sal kad kredit ani bukan plang menyenangkan TAPI MENYUSAHKAN DAN MEMBEBANKAN. UDAH PUN DRASTIK. NADA ANGIN, NADA RIBUT, TIBA-TIBA TAUFAN MELANDA. Siapa tah punya akal kan menyuruh kad kredit ani mesti dipohon melalui bank tmpt menerima gaji? Jadi apa halnya, kalau tiba-tiba diri beguna duit kan ngusai kereta kah yang memerlukan belanja beribu-ribu ringgit? DI MANA KAN MENGOREK? DI MANA KAN MEMINTA? siapa sanggup menghutangi? Saudara sendiri pun lari bah mun diri kan minta hutang. Kan mereloan, inda dapat. Sebab sudah ada hadnya. JADI DI MANA TAH KAN MINJAM? MAU JUA KU TAU SEBELUM UNDANG2 BARU ANI DIINTRODUCE, ADA BISKITA MEMBUAT SURVEY KAH DULU ATAU RESEARCH ? UNDANG2 BARU ANI MELIBATKAN KEHIDUPAN SEHARIAN BAH… BUKAN SEORANG TAPI RAMAI… GPUN BUKAN SEMUA ORANG PAKAI KAD KREDIT UNTUK ENJOY. ORG BEGUNA SAL ADA KEPERLUAN MASING2. SELAGI INDA MEMBEBANKAN DIRI SENDIRI, KENAPA PLANG PIHAK BERKENAAN MEMBUAT SESUATU YANG DRASTIK? Sakit pala ku mikirkan cana kan settle semua hutang atu dalam masa 3 tahun. MUN FREE INTEREST, inda jua apa. ANI MUNGKIN BERGANDA2 INTEREST. BUKAN KAH ATU MENYUSAHKAN RAKYAT? Mun pihak berkenaan menyediakan kemudahan pinjaman untuk menutup kad kredit, nda jua apa, dapat jua difikirkan. Ani paning bah jadinya. Sal atu kalau boleh aku kan bercakap sendiri dengan pihak yang berkenaan untuk meluahkan beban otak ku ani.
By pengguna kad kredit on Feb 17, 2010
biasanya kalau orang ke luar negeri o anak belajar ke luar negeri, selalunya dibatahkan dengan credit card in case emergency. Cana tah ne kalau udah di suruh tutup. Kan dibagi cash banyak takut hilang. masa ane jua banyak syarikat eg. RBA pakai online booking untuk ticket, cana kan membayar especially kalau tah sekiranya org atu terima di TAIB. Baik tah di fikirkan semula.
By ingin tau on Feb 18, 2010
kepada yg bekenaan…jangan mbuat kputusan tanpa memikir kan masalah orang lain.pikir dulu sebelum mbuat keputusan .banyak karang orang brunei stress masuk mental wad terlampau memikirkan hutang,dulu bukan main d ofer suruh pakai visa kad.sekarng ane lain lagi kejadiaan nya.pikir-pikir lah.mun gaji ku 8k.inda payah ku makai n menyusahkan diri ku makai visa kad ane.
By kecewa on Feb 18, 2010
true..aku agree…rata2 urg brunei ani tangga gaji 4-5..lain lh yg membuat UNDANG-UNDANG ani..brgkli begaji 8,9,10 k wat so ever..urg SANANG katakan..dri kuli dibwah ani kana palui palui kn…short minded jua dorg ani eh..urg susah jd susah lg..i agree i day f this thing go worst..CRIME is source of life..mana jua ulah mun udah terdesak..tinggi baik pelajran mun nada g iktiar..itu ini inda buleh..n man tia org MoF ai..pandai diam..biasa kan saut jua ne..
berani kerana benar,takut pasal kmu tekana haha
By nini panglima mu aji on Feb 18, 2010
aku lau boleh jangantah ada consolidation loan dari bank atu..lau boleh tah MoF tah yang cover smua outstanding ku. lpas tu MoF potong dari gaji masing-masing and nda pyh caj interest..bukannya plang kan nyuruh MoF tukang sapul tapi kmu(MoF) jua kan nolong rakyat kan supaya nda beutang…camana? smua stuju camani ani..
ani udah tah nda dapat dipakai lagi kad atu..potongan nya ta lagi tinggi tu krg tmasuk interest kna caj…nda cukup gaji ku…negative ta ya..d mana kan ku ngorek lagi ni..slama ani hidup ku begantung rah kad..di byr pas tu pakai balik cana jua mun nda cukup gaji atu…
By Mof punya pasal ni on Feb 20, 2010
yg kaya makin kaya, yg miskin makin miskin.
By pisau ikan on Mar 1, 2010