Give Wan Saiful A Break He S Telling The Truth




Wan Saiful Wan Jan, chairperson of PTPTN, is fast becoming Malaysia’s very own (British Prime Minister) Theresa May – a very good person with a seemingly impossible job
Rightly admired for his honesty and insightful thought-leadership, Wan Saiful and his team at PTPTN have done an excellent job in laying out the current PTPTN loan crisis – which is bigger than 1MDB – and the suggestions so far from stakeholders on how to solve it
The main problem is that the task given to Wan Saiful and his team forces them to focus on only one option – to make students repay the debt. This aim is bound to fail and the honest and forensic analysis by Wan Saiful’s team makes this crystal clear
We must be fair and acknowledge that the proposals presented in the PTPTN website come from stakeholders, not from PTPTN or Wan Saiful himself. They lay out clearly what stakeholders have suggested along with PTPTN’s assessment of the implications for everyone concerned. They are truly terrifying and make BN look like the students’ friendly grandmother – a terrifying prospect for Pakatan Harapan politicians and supporters alike
For those who have not seen what some stakeholders suggest a brief summary may be informative. The first proposal is to defer payment for students earning RM2,000 per month or less. This would help 26 percent of students but would not by itself solve the non-payment problems for those earning more than RM2,000 per month without additional enforcement measures
The second proposal is to defer payments for students earning less than RM4,000 per month, which fulfils Harapan’s election pledge. This would leave PTPTN waiting between six to 15 years for repayments and cause its debts to rise to an eye-watering RM100 billion by 2040
The third idea stakeholders have proposed has already been rejected. This is to link repayments to salary, which last time suggested that those earning RM8,000 per month or more should pay 15 percent of their monthly income repaying loans. This idea is so bad for Harapan that we can only guess it was suggested by those dreaming of a BN victory in GE15
Stakeholder suggestions then move on to more punitive ideas which punish not just student defaulters but also their parents, siblings and the universities where they studied. Idea #4 is to raid student salaries, a proposal which some have already rejected arguing that is not only immoral but also potentially illegal
Next comes Idea #5 - making students bankrupt if they fall behind on repayments. This idea was possibly suggested by lawyers who see piles of income in litigation fees. Idea #6 denies the lawyers their cash-cow but reintroduces the much-hated travel bans albeit in a different form. Restrictions on the renewal of passports, driving licences, business licences and even road tax are proposed. There’s an end to graduate entrepreneurs and a massive increase in illegal road-users
It doesn’t end there, however. Within the same proposal are public shaming of students and visiting the sins of defaulters on their siblings by denying family members PTPTN loans in default. Idea #7 continues this theme by forcing debt repayments on unsuspecting “guarantors” – read “parents.” So much for family harmony
Idea #8 punishes success by denying first-class graduates their loan waiver and Idea #9 punishes universities by denying them PTPTN loans if they underperform on the national rating system. Neither really addresses the problem on non-payment
Finally, Idea #10 comes as a form of light-relief following the other suggestions by proposing increasing the interest rate paid by students from the one percent they currently pay to perhaps the five percent that PTPTN borrows the money at in the first place. This would save the government around RM1.7 billion per year but raises the question - why would students be more likely to repay loans at five percent when they are currently not paying at one percent
We must not misunderstand this process. The analysis from Wan Saiful and his team is first-class and although they may not get a loan exemption, they should be given credit for telling the truth. They should also be given credit for seeking public views on these proposals – an exercise in active democracy that should be emulated in other policy debates
The real problem is that as long as the debate on PTPTN reform focuses on the single aim of making students pay, this problem will rumble on. PTPTN will become more unstable, students and parents will be more and more worried and universities will continue to struggle with uncertainty about future finances
We must set aside the “make students pay” mantra and open up the debate to look for a sustainable and holistic solution to higher education financing. This solution must examine diversifying finance for higher education within a portfolio of alternative income sources which balance government support and loans with income from research, development and commercialisation, endowments and system reform
As a general rule, when your stakeholders give you solutions which will not work – look for other solutions
GEOFFREY WILLIAMS is a professor at ELM Graduate School at HELP University.  - Mkini

Artikel ini hanyalah simpanan cache dari url asal penulis yang berkebarangkalian sudah terlalu lama atau sudah dibuang :

http://malaysiansmustknowthetruth.blogspot.com/2019/05/give-wan-saiful-break-hes-telling-truth.html?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+MalaysiansMustKnowTheTruth+%28Malaysians+

Kempen Promosi dan Iklan
Kami memerlukan jasa baik anda untuk menyokong kempen pengiklanan dalam website kami. Serba sedikit anda telah membantu kami untuk mengekalkan servis percuma aggregating ini kepada semua.

Anda juga boleh memberikan sumbangan anda kepada kami dengan menghubungi kami di sini
Lapan Sebab Menteri Pendidikan Bengang Dengan Wan Saiful Pengerusi Ptptn

Lapan Sebab Menteri Pendidikan Bengang Dengan Wan Saiful Pengerusi Ptptn

papar berkaitan - pada 20/5/2019 - jumlah : 507 hits
Isu PTPTN kembali panas selepas kenyataan terbaru Wan Saiful Pengerusi PTPTN Dr Maszlee sejak dahulu memang bengang dengan Wan Saiful yang berlagak lebih besar dari Menteri Dr Maszle bengang cara Wan Saiful menjawab wartawan Dia pergi jawab...
Ptptn Wan Saiful Minta Rakyat Beri Pandangan Di Laman Rasmi

Ptptn Wan Saiful Minta Rakyat Beri Pandangan Di Laman Rasmi

papar berkaitan - pada 20/5/2019 - jumlah : 253 hits
Diterbitkan 19 Mei 2019 11 30 malamOrang ramai diminta menyalurkan pandangan dan maklum balas mengenai Perbadanan Tabung Pendidikan Tinggi Nasional mengikut saluran yang betul iaitu melalui Kertas Konsultasi Rakyat yang disediakan dalam lam...
Wan Saiful Jadikan Ptptn Paling Bangsat Kata Adam Adli

Wan Saiful Jadikan Ptptn Paling Bangsat Kata Adam Adli

papar berkaitan - pada 18/5/2019 - jumlah : 571 hits
Aktivis pelajar Adam Adli Abd Halim mengecam Pengerusi Perbadanan Tabung Pinjaman Tinggi Nasional Wan Saiful Wan Jan susulan cadangan memperkenalkan semula sekatan ke luar negara terhadap peminjam yang gagal membayar pinjaman Adam mendakwa ...
Ptptn Larangan Ke Luar Negara Akan Dilaksana Semula Jika Itu Rakyat Mahu Wan Saiful

Ptptn Larangan Ke Luar Negara Akan Dilaksana Semula Jika Itu Rakyat Mahu Wan Saiful

papar berkaitan - pada 17/5/2019 - jumlah : 327 hits
KUALA LUMPUR Perbadanan Tabung Pendidikan Tinggi Nasional akan mengemukakan cadangan kepada Kabinet untuk memperkenalkan semula larangan ke luar negara bagi peminjam ingkar jika rakyat mahu Bagaimanapun Pengerusi PTPTN Wan Saiful Wan Jan be...
Najib Trial Day 14 Rm4b Loan Is The Largest I Ve Seen Kwap Give Witness Insists

Najib Trial Day 14 Rm4b Loan Is The Largest I Ve Seen Kwap Give Witness Insists

papar berkaitan - pada 7/5/2019 - jumlah : 404 hits
The criminal trial of former prime minister Najib Abdul Razak involving the alleged misappropriation of funds from SRC International Sdn Bhd enters its 14th day today at the High Court in Kuala Lumpur Malaysiakini brings you live reports of...
Warga Netizen Kempen Agar Wan Saiful Lepaskan Jawatan Kerana Idea Bodoh

Warga Netizen Kempen Agar Wan Saiful Lepaskan Jawatan Kerana Idea Bodoh

papar berkaitan - pada 17/5/2019 - jumlah : 298 hits
Kami rakyat Malaysia mahu Pengerusi PTPTN Wan Saiful Wan Jan DITUKAR dengan pengerusi yang ADA OTAK dan ADA AKAL Tak guna melantik seorang pengerusi Ptptn yang bakal menimbulkan kemarahan mahasiswa mahasiswa dan ibubapa terhadap PH Kami tak...
The Simple Plain Truth About The Chinese

The Simple Plain Truth About The Chinese

papar berkaitan - pada 25/5/2019 - jumlah : 352 hits
This was sent to me by someone Thank you Being ChineseThe simple plain truth about the Chinese Why do Chinese people work so hard to succeed in life Chinese people don t go about bombing terrorizing others and causing religious hatred We li...
Textbook Refresh Untitled Upgrades The Thruxton 900

Textbook Refresh Untitled Upgrades The Thruxton 900

papar berkaitan - pada 14/5/2019 - jumlah : 258 hits
We re usually all about high end customs here but not everyone has the budget to put an extreme machine in their garage And we know that many readers have lightly customized daily riders often older bikes that are subtly fettled without com...
The Malaysian Fusion Set And Abnomal Seafood Platter At Caffe Abnomal

The Malaysian Fusion Set And Abnomal Seafood Platter At Caffe Abnomal

papar berkaitan - pada 14/5/2019 - jumlah : 284 hits
Assalamualaikum Hoih excited giler I nak share lagi 2 Ramadhan Set from Caffe Abnomal Nama set dia ialah The Malaysian Fusion Set and Abnomal Seafood Platter Ini paaaaaaaaaaaaaaling sesuai untuk sesiapa yang nak bukak puasa tapi nak makan m...
Banjir Rakyat Asing Di M Sia Apa Teruk Sangat K Jaan Ni

Rasa Masakan Korea Soondubu Jigae Beef Di Dubuyo

China S President To Host Official Dinner For Anwar

I Bought A Toy Like Vape Online Mp Tells Dewan Chamber

The Upsides Of Saying Sorry

Drama One Cent Thief 2 Lakonan Syafiq Kyle Azira Shafinaz

Tip Mudah Santan Berketul Jadi Elok Semula Letak Sehelai Daun Ini Saja

Unlocking Savings Expert Tips For Finding Discounted Cigarettes In Australia


echo '';
Biodata Terkini Penyanyi Illa Sabry Peserta Gegar Vaganza 2024 Musim 11 GV11

Info Dan Sinopsis Drama Berepisod Senyawa iQIYI Malaysia

Info Dan Sinopsis Drama Berepisod Project Projek Exit Astro Originals

Pelajari Asal Usul Nama Makhluk Seram Kisah Fiksyen Barat Yang Terkenal

10 Fakta Filem Kahar Kapla High Council Yang Ramai Tak Tahu Prekuel Drama Project Projek High Council


Separuh Akhir Muzik Muzik 39

Helter Skelter Memori Mardiana Chord

Caffeine Aku Takkan Memiliki Chord

Keluar Sekejap Kerugian Fashionvalet Kartel Nafas Rangkaian Kedua 5g Buli Upnm

Senyum Itu Satu Sedekah Senyum Itu Serlahkan Keperibadian

Rakyat Malaysia Jadi Tentera Upahan Di Ukraine Dipercayai Masih Hidup Kpn