Month: <span>May 2023</span>

SC Seeks To Transform Agri Sector Via Fintech, Alternative Financing

Posted on 31/05/2023 by admin

The Securities Commission Malaysia (SC) is encouraging wider adoption of financial technology (fintech) in agriculture in order to help in achieving the country’s food security agenda.

SC Chairman Dato’ Seri Dr. Awang Adek Hussin said access to finance is critical to agriculture’s future.

This is especially important for smallholders and agritech-preneurs seeking to modernise agriculture and strengthen research and development, he said in his opening address at the SCxSC Grow Fintech Conference.

This marks the 10th iteration of the SCxSC conference that is held in-person after the Covid-19 pandemic.

SCxSC GROW, is a new collaborative programme, under the SC’s fintech flagship initiative “Synergistic Collaboration by the SC” (SCxSC). The SCxSC GROW embodies a collaborative effort with partners in the fintech ecosystem to harness the potential of alternative financing digital platforms to meet the needs of micro, small, and medium-sized enterprises (MSME) in strategic sectors.

Recognising the challenges faced MSMEs in the agriculture sector, Dato’ Seri Dr. Awang Adek said that leveraging fintech solutions will help improve access to financing and increase efficiency in the sector.

Dato Seri Dr. Awang Adek Hussin Executive Chairman Securities Commission Malaysia — Dato’ Seri Dr. Awang Adek Hussin, SC Chairman

To achieve this goal, the SC has been working closely with ecosystem players to develop innovative solutions that cater to the unique financing needs of farmers and agribusinesses. This is in tandem with the national agenda to support the agriculture sector’s transition into a dynamic and progressive sector.
Dato’ Seri Dr. Awang Adek said that the capital market can be an enabler and accelerator to help Malaysia achieve its food security agenda.

“Alternative financing avenues such as equity crowdfunding (ECF) and peer-to-peer (P2P) financing allow investors with the right risk appetite to mobilise capital directly for agri-preneurs,” he said.

This provides more options for younger and high-growth companies to access capital relevant to their business risk profiles,” he added.

Over 7,000 MSMEs have benefited from SC-registered ECF and P2P financing since their introduction in 2015, raising more than RM4.4 billion, with only 600 agri-related MSMEs across the entire value chain raising close to RM300 million. This presents a significant opportunity for agricultural growth and investment.

Dato’ Seri Dr. Awang Adek said, “Malaysia was also the first country in this region to adopt a co-investment model, MyCIF specifically for alternative finance platforms.”

MyCIF was instrumental in providing MSMEs with financing during the Covid-19 pandemic.

“MyCIF implemented a special allocation ratio of 1:2 for the agriculture sector in 2022, which is more appealing than the normal ratio of 1:4. We’ve seen increased interest as four times as many agri-businesses have raised funds through ECF and P2P platforms,” he added.

The SCxSC GROW Fintech Conference, themed “Fostering Innovative Finance in Agriculture”, aims to be a game-changer for the agriculture industry. With the world facing increasingly complex challenges, the conference brings together agriculture and fintech players to explore innovative solutions to food security, sustainability and supply chain resilience.

New cutting-edge solutions were showcased at the conference, highlighting the latest advancements in these fields. The conference also featured local fintech players in the agriculture sector.

These fintech solutions have the potential to revolutionise the way farmers access financing and manage their operations, enabling them to make better use of resources and increase yields.

About the Securities Commission Malaysia:

The Securities Commission Malaysia (SC), a statutory body reporting to the Minister of Finance, was established under the Securities Commission Act 1993. It is the sole regulatory agency for the regulation and development of capital markets. The SC has direct responsibility for supervising and monitoring the activities of market institutions, including the exchanges and clearing houses, and regulating all persons licensed under the Capital Markets and Services Act 2007. More information about the SC is available on its website at www.sc.com.my. Follow the SC on twitter at @SecComMy for more updates.

ASUS Announces All-New Vivobook Go 15 (E1504F), Your Compact & Super-Durable Companion

Posted on 31/05/2023 by admin

ASUS Malaysia announced the 15.6-inch Vivobook Go 15 (E1504F), an exciting and affordable lifestyle laptop that help make users productive or keep them entertained, wherever they go.

This light and compact laptop feature a sharp and vibrant FHD display and a powerful ASUS SonicMaster sound system with DTS Audio Processing for immersive entertainment. The design is stylish and practical, with thoughtful touches that make the user’s life easier, such as a 180° lay-flat hinge. Built to survive any lifestyle, the Vivobook Go 15 (E1504F) are US military-grade tested for durability using the world’s strictest test regime[1].

Speedy performance for any task is assured by the AMD Ryzen 5 7520U processor, up to 16 GB of LPDDR5 RAM and a 512 GB PCIe® SSD. Other user-friendly features include an ASUS ErgoSense keyboard; smart conferencing via the HD webcam with ASUS 3D Noise Reduction (3DNR), AI noise cancelation, and a physical privacy shield; and a useful suite of ASUS apps including MyASUS, GlideX and ScreenXpert 3.

Superior Sound And Vision

Vivobook Go 15 delivers crisp and clear visuals from its FHD display. The 16:9 NanoEdge slim-bezel design which delivers a staggering 84% screen-to-body ratio gives users more screen space for multitasking and immersive viewing. Both displays also ensure a reduced risk of eye strain during long viewing sessions thanks to their TÜV Rheinland eye-care certification for low blue-light and flicker-free operation.

The Vivobook Go 15 also features incredibly powerful, crystal-clear sound with ASUS SonicMaster and DTS Audio Processing. The combination of hardware and software boosts the volume, and removes noise to improve audio clarity for truly immersive sound.

Light, Compact, Stylish And Tough

Vivobook Go 15 E1504F E1504G Product Photo 1S Cool Silver 17 Fingerprint Backlit

Measuring 17.9 mm thin and weighing just 1.63 kg, the new Vivobook Go 15 is designed to be compact enough to slip into any bag, and light enough for easy one-handed carrying. It comes in a timeless Cool Silver finish, along with signature Vivobook details like the raised logo tag on the lid, a warning-stripe pattern on the Enter key, contrasting colored rubber feet on the base, and a stylish V-shaped air vent.

The new Vivobook Go 15 is strictly tested to ensure its durability in everyday use, using the latest MIL-STD-810H US military-grade standard with up to 12 test methods and 26 individual tests — the industry’s most stringent testing regime.

Speedy Performance

The Vivobook Go 15 is powered by the AMD Ryzen 5 7520U processors, with up to 16 GB of speedy LDDR5 memory and 512 GB of storage to help users complete all their daily productivity missions. For on-the-go convenience, the battery can be fast-charged to 60% capacity in around 49 minutes[2].

Ultrafast connectivity is provided by up to WiFi 6E enhanced with ASUS WiFi Master technology for fast and stable connections. The comprehensive I/O ports include a USB-C® 3.2 Gen 1 port, a USB 3.2 Gen 1 Type-A port, a USB 2.0 port, HDMI® output and an audio combo jack — so it’s easy to for users to connect
all their existing peripherals, displays and projectors, wherever they are.

Feature-Packed

Vivobook Go 15 E1504F E1504G Product Photo 1S Cool Silver 05 Fingerprint Backlit

Superior typing comfort is assured with the full-size ASUS ErgoSense keyboard, which has a 19.05 mm key pitch, a 0.2 mm key-cap dish, and long 1.4 mm key travel that gives it an incredibly satisfying feel, with the optimum bounce and travel calculated with fine-tuned precision. Excellent privacy is provided by the physical webcam shield, and there’s a fingerprint sensor that allows one-touch login with Windows Hello.

For enhanced video and audio conferencing, there’s an HD camera with ASUS 3DNR technology that makes videos as clear as they can be. AI noise-cancelation employs machine learning to isolate unwanted noise from human speech, so users can easily hear what everyone else is saying, in any environment.

The Vivobook Go 15 (E1504F) also come with a collection of easy-to-use productivity-enhancing ASUS apps, including GlideX for cross-device screen sharing; MyASUS for easy access to updates, apps, customer service and performance optimization; and ScreenXpert 3 for easy multi-display management.

Availability & Pricing

ASUS Vivobook Go 15 (E1504F) will be available in two variants, priced starting from RM2,299. For more info:

ASUS eStore: Buy ASUS Vivobook Go 15 (E1504F) | For-Home | Laptops | eStore Malaysia

Product Page: Vivobook Go 15 (E1504F)｜Laptops For Home｜ASUS Malaysia

ASUS Malaysia Facebook: https://www.facebook.com/asusmalaysia

SPECIFICATIONS[3]

About ASUS

ASUS is a global technology leader that provides the world’s most innovative and intuitive devices, components and solutions to deliver incredible experiences that enhance the lives of people everywhere. With its team of 5,000 in-house R&D experts, ASUS is world-renowned for continuously reimagining today’s technologies for tomorrow, garners more than 11 awards every day for quality, innovation and design, and is ranked among Fortune’s World’s Most Admired Companies. FORTUNE and FORTUNE World’s Most Admired Companies are registered trademarks of FORTUNE Media IP Limited and are used under license

1 Tested using enhanced military-grade MIL-STD-810H durability standards, with up to 12 test methods and 26 test procedures, to ensure extraordinary toughness. Based on ASUS internal market research using available information and testing reports from main laptop brand websites on Oct 28, 2022, ASUS consumer laptops use a regime consisting of 26 test procedures, which is the consumer laptop industry’s strictest and most extensive test regime for the MIL-STD-810H standard. The number of tests passed by each consumer laptop model can be found in the ASUS quality test report for that model.

2 Charges the battery to up to 60% within 49 minutes when the system is off or in Standby mode. Power adapter with a minimum capacity of 45 watts is required. After charging has reached 60% capacity, charging will resume at normal rate. Charging time may vary +/-10% due to system tolerance.

3 Specifications, content and product availability are all subject to change without notice and may differ from country to country. Actual performance may vary depending on applications, usage, environment and other factors. Full specifications are available at http://www.asus.com

Patterns And Types Of Cybercrime In Malaysia From 2016 To 2021: Part 2

Posted on 31/05/202331/07/2026 by admin

In Part 1, we have discussed the definition of cybercrime and commercial crime. We also see the cases recorded for financial and recorded crime in Malaysia from 2016 until 2021, the total losses due to cybercrime and commercial crime. Lastly, we deep dive into the classification of cybercrime and the number of cases happening in Malaysia. For this part 2, we will investigate the arrests and charges against cybercrime cases.

From 2021 to 2016, PDRM made 35,065 arrests and 23,718 charges. Over the six years, the number of arrests increased year-on-year, with an average of 5,844 arrests per year. The same pattern is also shown in the number of charges, which grows yearly, with 2,897 charges in 2016 to 4,970 in 2021. This indicates that the authorities are doing their best to reduce these online fraud cases in Malaysia.

Patterns And Types Of Cybercrime In Malaysia From 2016 To 2021 Part 2

Source: Commercial Crime Investigation Section (CCIS), March 2022.

For cybercrime from 2015 to March 2022, an investigation paper was opened. The total loss recorded was RM2,575,293,503.85; e-commerce ranked first with 41,303 or 43 per cent, followed by telecommunications fraud (line/sms) with 33,218 or 34 per cent.

While cybercrime involves fake news with 48 investigation papers, protecting personal data with 98 investigation papers and no category with 212 investigation papers is the least reported type of cybercrime.

Patterns And Types Of Cybercrime In Malaysia From 2016 To 2021 Part 2 2

Source: Commercial Crime Investigation Section (CCIS), March 2022.

If viewed up to March 2022 alone, based on the investigation papers, reported losses amounting to RM124,166,360.00 with telecommunication fraud (line/sms) were the highest with 2,269 cases or 48 per cent. They followed by e-commerce (online purchase) with 2,070 cases or 44 per cent.

Meanwhile, cases involving pornographic material (Section 22 of the Penal Code), intellectual property (CD/VCD/DVD), no categories and personal data protection were the lowest recorded cases, with only three, one, one, and two cases recorded.

Patterns And Types Of Cybercrime In Malaysia From 2016 To 2021 Part 2 3

In terms of locality for the cybercrime cases, if viewed by state from 2015 to 2021, most cases occurred in major cities such as Selangor with 17,191 cases, followed by Johor with 12,457 cases and Kuala Lumpur with 11,658 cases. At the same time, cybercrime was seen relatively less in towns such as Terengganu, with 3,054 cases, Kelantan, with 2,932 cases and Perlis, with 1,284.

Cybercrime is common in large and rapidly developing cities because it is a hotspot for finding better job opportunities and thus increasing social mobility in their society.

Patterns And Types Of Cybercrime In Malaysia From 2016 To 2021 Part 2 4

Source: Commercial Crime Investigation Section (CCIS), March 2022.

The same statistics also show that until March 2022, cybercrime cases were widespread in Kuala Lumpur, with 600 cases, Johor with 558 cases and Selangor with 511 cases. These are the three highest states that recorded cybercrime by the state in March 2022.

Meanwhile, Sabah, Kelantan and Perlis were the three states that recorded the least cybercrime by recording 203, 172 and 75 cases.

Patterns And Types Of Cybercrime In Malaysia From 2016 To 2021 Part 2 5

Source: Commercial Crime Investigation Section (CCIS), March 2022.

In the case of mule accounts or donkey accounts according to bank accounts used from January 2012 until March 2022 showed that these accounts mostly used CIMB Bank Berhad with 32,492 or 27 per cent, followed by Malayan Banking Berhad or Maybank with 36,765 or 31 per cent. Donkey accounts often use These two banks to carry out their operations.

Meanwhile, Agrobank, Affin Bank Berhad and Bank Kerjasama Rakyat are the least used banks to operate this donkey account.

Patterns And Types Of Cybercrime In Malaysia From 2016 To 2021 Part 2 6

Source: Commercial Crime Investigation Section (CCIS), March 2022.

*The Malay Version of this article is currently under review at e-Jendela Dewan Ekonomi, Dewan Bahasa dan Pustaka, June 2023. Researchers also would like to thank the Criminal Investigation Department (JSJK), Bukit Aman, for providing this data to the authors.

Rashid Ating. Researcher in the Department of Economics, Faculty of Business and Economics, Universiti Malaya and Institute of Advanced Studies (IAS), Universiti Malaya (UM).

Funding Societies Launches Comprehensive Suite Of Islamic Financing Solutions

Posted on 31/05/202331/07/2026 by admin

Funding Societies, the largest unified SME digital finance platform in Southeast Asia, has launched its comprehensive Islamic Financing product collection, a complete suite of Shariah-compliant financing solutions designed to meet the needs of creditworthy, underserved Malaysian micro, small and medium enterprises (MSMEs) seeking to grow their business. These Islamic financing solutions include Business Term Financing-i, Micro Financing-i, and Invoice Financing-i.

“Access to finance is mission critical for inclusive growth and MSME development. Case in point, there is a RM90 billion SME financing gap in Malaysia. To that end, SME digital finance platforms like Funding Societies play an important role in closing that gap. Given Malaysia’s leadership in Islamic finance, it is timely for us to scale our Shariah-compliant proposition to support creditworthy Malaysian SMEs of all sizes to thrive,” said Wong Kah Meng, Group Chief Operating Officer of Funding Societies | Modalku and Co-founder of Funding Societies Malaysia.

Chai Kien Poon, Country Head of Funding Societies Malaysia said, “Following market feedback, we observed demand for Islamic finance and Muslim entrepreneurs’ need for Shariah-compliant financing. Islamic finance is also appealing to non-Muslims given its emphasis on fairness and transparency in fees and charges. Besides that, the introduction of our Islamic Financing aligns with Malaysia’s aspirations to be the leader in Islamic finance as well as focus on the Islamic digital economy and FinTech.”

Interested SMEs can apply for these financing solutions online – seamlessly, anywhere and anytime. Through its simple and digital proposition, along with zero collateral requirements, Funding Societies can avail financing to MSMEs much quicker compared to traditional financial institutions.

“Besides launching our Islamic financing proposition, we have developed Shariah-compliant investment products for our investors. This allows investors to diversify their investments while joining us to support a critical segment of the Malaysian economy. We have seen very encouraging demand from investors (retail, high net worth individuals and institutions) and look forward to working with financial institutions to offer Shariah-compliant investments to their customers,” adds Chai.

From Left To Right Wong Kah Meng And Chai Kien Poon

Khairil Anuar Mohd Noor, Principal, Masryef Advisory, who was present at the launch event in Kuala Lumpur, remarked, “We are delighted to be part of this initiative by Funding Societies that would further elevate the landscape of Islamic Finance in Malaysia. We believe Funding Societies’ cutting edge, a leading digital finance platform, offers ground-breaking Shariah-compliant financing solutions to Malaysian MSMEs that would enable MSMEs to have access to alternative funding to fund their business. Similarly, it allows investors an alternative Shariah-compliant asset class to invest their excess liquidity. This collaboration allows us to leverage Funding Societies’ technological prowess and our expertise in Shariah advisory. Together, we will drive inclusive growth and unlock the potential of Islamic finance for sustainable economic development in Malaysia.”

Funding Societies has been operating in Malaysia since 2016 and has provided financing to thousands of SMEs in the country. The FinTech platform has disbursed more than RM2 billion in financing in Malaysia since its inception. Across the region, more than RM13.74 billion has been disbursed through more than 5 million transactions as of 2022. After its soft launch in May 2022, the Shariah-compliant financing propositions have seen encouraging take-up from SMEs. The Fintech platform targets to have at least 50% of its disbursement from its Shariah-compliant financing portfolio by 2025.

For more information on Funding Societies Malaysia’s Islamic Financing solutions, please visit https://fundingsocieties.com.my/islamic-financing.

Funding Societies Islamic Financing Products Descriptions — (Funding Societies’ Islamic financing products descriptions)

About Funding Societies

Funding Societies | Modalku is the largest unified SME digital finance platform in Southeast Asia. It is registered with the Securities Commission Malaysia (SC), as well as licensed in Singapore, Indonesia, and Thailand, and operates in Vietnam. It is backed by SoftBank Vision Fund 2, SoftBank Ventures Asia, Sequoia Capital India, Alpha JWC Ventures, SMBC Bank, Samsung Ventures, BRI Ventures, Endeavor, SGInnovate, Qualgro, and Golden Gate Ventures amongst others. The FinTech company provides business financing to small and medium-sized enterprises (SMEs), which are funded by individual and institutional investors. In 6 years, it has helped finance over 5.1 million business deals close to RM13.74 billion in funding. It was given the Digitalizing Services for Retail Participations award by the Securities Commission Malaysia during the INVESTSMART® FEST 2019, the Monetary Authority of Singapore (MAS) FinTech Award in 2016, the Global SME Excellence Award at the United Nations’ ITU Telecom World in 2017, KPMG Fintech100 in 2018, Brands for Good in 2019, and ASEAN Startup of the Year by Global Startup Awards in 2020. In 2021, it was honourably mentioned as Responsible Digital Innovator of the Year by the World Bank IFC SME Finance Forum and won the MAS ASEAN Fintech award for the second time.

For more information on Funding Societies Malaysia, please visit https://fundingsocieties.com.my.

Tears In Heaven: Who Protects Your Insurance Money?

Posted on 30/05/202331/07/2026 by admin

The following story is based on an actual series of events, with some names and circumstances fictionalised. Any similarity to any person’s name, character, or history is coincidental and unintentional. It is about who protects your insurance money.

Heng could not help but feel emotional as he saw little Tim at the playground without a care in the world. His thoughts were how Tim meant the world to his late sister and that she is weeping in heaven now that all the insurance monies meant for him is gone.

A cruel twist of fate had robbed Tim of what is rightfully his.

Being a single parent, June is ever careful of making sure that there is something for Tim in the event that something happens to her. She dutifully took up a life insurance policy which will serve to provide for Tim’s living expenses and education when she is not around.

Putting Ownself As Trustee, Who Protects Your Insurance Money?

But little did she realise that by naming herself as trustee in the insurance policy, she started a chain of events that made Tim an innocent victim of circumstances. Poor Tim.

Not well versed in insurance matters, she just followed the norm to name herself as trustee. June who had come to terms with her terminal illness and had got Heng’s consent to be Tim’s guardian, was at peace in her final days thinking that Tim’s welfare would be well taken care of, financially as well.

After the funeral, Heng set about to handle June’s financial matters. It was only after submitting for insurance claims did Heng learn of an oversight by June which turned out to be a costly mistake.

Heng was told that since the policy owner had passed away, the nominee in the policy will be the trustee. However, for that to happen, the nominee must be at least 18 years old and not incapacitated mentally.

Read: The Amazing Reconciliation Of Father And Son, And This Reflected Inside The Will

Who Protects Your Insurance Money, When The Nominee Is Not Yet 18?

Then comes the hard question of who protects your insurance money? Since Tim is not 18, the trustee will be his surviving parent, which is in this case is his father, who left both mother and child some time ago.

Heng knows that once the money reaches his hands, Tim would never see it again. If she had known, June would have appointed a new trustee – an individual or a trust company who can hold this insurance money for Tim until he grows up.

This is reaffirmed by the new Financial Services Act (FSA) which repealed the Insurance Act and made it invalid for the policy owner to be trustee of the insurance policy. Those who named themselves as trustee even prior to the FSA coming into force would have to change trustees for complete protection of the money.

As this is a common situation, the best solution for a single parent to protect their insurance monies from ending up with an unintended person or used for unintended purpose would be through the setting up of a Single Parent Trust.

In June’s situation, she can easily set up this trust by assigning the life insurance policy to the licensed trust company. This will enable the trustee to claim the insurance proceeds upon her death or disability.

Read: Special Needs Trust: I’m Nobody’s Child

Setting Up A Trust Deed

She could provide instructions to the trustee through a trust deed, for example; to cover her medical expenses if she is critically ill, for scheduled payments for Tim’s living expenses and education, thus ensuring that his needs will be provided for as she would have wished for him.

In this manner, she is also rest assured that another problem is averted – an inheritance being squandered away in the hands of a young heir who is inexperienced in handling a large sum of money so early in life.

A trust is indeed a viable approach to ensure total protection of insurance monies to be utilized according to one’s wishes. It is also an advantage to have a trust company as trustee instead of an individual as the trust company is impartial and is duty bound to follow the terms and conditions in the trust deed whereas an individual may not be so compliant with regard to other people’s money.

The perpetuity of a trust company is also another advantage as a natural person is liable to die, fall ill, meet with an accident and be in capacitated, become of unsound mind or go bankrupt. At least you will have a peace of mind, knowing that there’s an organisation who protects your insurance money.

Read: Bob’s Dilemma: How To Convert Highly Illiquid Assets To More Liquid And Easily Realisable

About Rockwills International Group

Rockwills International Group, now in its 28th year, pioneered professional will writing in 1995 and has since evolved into the leading estate planning specialist in the country. It is today the largest provider of solutions and support services in the areas of trusts, succession, management and distribution of wealth. It has done over 300,000 wills and 16,000 trusts and holds more than RM25 billion in assets under trust.

Patterns And Types Of Cybercrime In Malaysia From 2016 To 2021: Part 1

Posted on 26/05/202331/07/2026 by admin

Every day we are often presented with various cases of online fraud. As technology progresses, which is getting increasingly advanced, the techniques and methods scammers use to trap victims also keep evolving. Every day there are always some cases of online fraud involving the public.

Data from the Bukit Aman Criminal Investigation Department (JSJK) reported that are for commercial crime and cybercrime cases, according to the number of investigation papers, show an alarming trend.

Cybercrime can be defined as an act of harming someone’s finance and security. This kind of crime is conducted using computers and internet networks. Examples of cybercrime include computer fraud, financial scams, financial crimes, and advertisement fraud. This type of crime has happened frequently in Malaysia lately and was the focus of this Part 1.

The number of investigation papers showed a significant increase from 12,798 cases in 2016 to 18,435 cases in 2021, with an increase of 5,637 over the six years. The year 2018 recorded the fewest cybercrime cases, with 10,753 cases. On average, 13,790 cases occurred annually from 2016 to 2021.

It will be alarming as it is feared that more innocent Malaysians will become victims because of the actions of some irresponsible individuals that exploit the naivety of the victims that are not updated with the trends of online scam activities.

Meanwhile, commercial crime or known as a white-collar crime. This type of crime is committed in professional settings like government and business. Examples of white-collar crime include embezzlement, financial crime, copyright infringement, and others.

On the other hand, commercial crime recorded almost twice the number of cybercrimes from 2016 until 2021. We can assume that commercial crime was more severe than cybercrime in Malaysia. On average, 29,589 cases of commercial crime happened in Malaysia yearly from 2016 until 2021, higher than on average 13,790 cases of cybercrime in the same period.

The year 2016 recorded the highest year of commercial crime cases, with 32,948, while 25,594 cases in 2918 for the lowest number of cases recorded.

Patterns And Types Of Cybercrime In Malaysia From 2016 To 2021 Part 1

Source: Commercial Crime Investigation Section (CCIS), March 2022

In terms of total losses due to cybercrime, there was an increase of RM239,531,609 in 2016, followed by RM266,957,862 in 2017, RM398,617,147 in 2018, declining to RM497,926 in 2019, rising sharply to RM413,653,962 in 2020 and slightly decreasing in 2021 with RM403, 825,846.71. On average, RM287,180.726 money losses due to cybercrime in Malaysia.

While on the other hand, the losses caused by commercial crime were more alarming compared to cybercrime, with the highest losses recorded in 2018 at RM23,927,045,190. The lowest losses were in the year 2016, with RM2,026,874,111.

On average, during the six years from 2016 until 2021, Malaysia suffered an average loss of around RM2 billion per year due to commercial crime.

Patterns And Types Of Cybercrime In Malaysia From 2016 To 2021 Part 1 2

Source: Commercial Crime Investigation Section (CCIS), March 2022

E-commerce and telecommunication fraud syndicates are among the two highest types of cybercrime reported according to investigation papers and modus operandi from 2016 to 2021. E-commerce fraud recorded 6,448 cases in 2016, slightly down the following year with 5,959. It continued to plunge to 3,326 cases and remained stagnant at 3,519.

However, in 2020, 5,995 cases of e-commerce fraud were reported in Malaysia and continued to increase to 9,575 cases in 2021. While for telecommunication fraud syndicates, the number of cases recorded annually is not as alarming as e-commerce fraud syndicates, with 1,987 cases in 2016, 4,177 in 2017, 4,963 cases in 2018, 5,750 cases in 2019, 5,995 cases in 2020 and rising to 6,300 cases in 2021.

The cybercrime that recorded the lowest cases was intellectual property fraud involving (CD/VCD/DVD), pornographic material fraud syndicate and fraud 233, Communications and Multimedia Act (CMA).

About the Author

Rashid Ating. Researcher in the Department of Economics, Faculty of Business and Economics, Universiti Malaya and Institute of Advanced Studies (IAS), Universiti Malaya (UM).

M+ Global App By Malacca Securities Paves The Way For Investors To Succeed In Global Markets

Posted on 24/05/2023 by admin

Malacca Securities Sdn Bhd announced the launch of M+ Global, a one-stop, all-in-one global trading platform for all traders, with access to a diverse range of international investment opportunities, starting with two of the world’s largest global stock markets – the United States and Hong Kong.

M+ Global is a revolutionary digital trading platform which empowers Malaysians to navigate the dynamic global market, seize opportunities, and take control of their financial future. Through a single account, users can access over 7,000 stock listings in the United States, 3,000 in Hong Kong and unlimited tradeable derivatives, including warrants, ETFs, CBBCs and REITs. This unparalleled access to foreign exchanges allows Malaysians to invest in major corporations such as Apple, Tesla, Alibaba, Tencent, and many more.

Lim Chia Wei, Managing Director of Malacca Securities Sdn Bhd, said, “We’re excited to take Malaysians on a journey to win the world with M+ Global. By offering access to the United States and Hong Kong markets, Malaysians now have greater investment opportunities in some of the largest and most successful companies across various sectors and industries globally.”

M+ Global is the first digital trading platform in Malaysia which offers basic real-time data in partnership with the National Association of Securities Automated Quotations (NASDAQ). This leading global technology company provides trading, exchange technology and information services to the world’s financial markets. Through this partnership, Malaysians will now have access to Real-Time-Quotes (RTQs), which will boost their investment experience and help them make better-informed investment decisions with access to the actual price of a security in real-time.

In addition, M+ Global is the only digital trading platform in Malaysia which offers a Shariah Screening feature for global stocks, allowing Malaysians to identify Shariah-friendly stocks efficiently and accurately on a global scale. This unique feature on the platform was offered to Malaysians through a partnership with IdealRatings Inc, a global leader in providing Islamic finance solutions. With just a few taps, modern-day investors seeking to invest according to Islamic principles can now swiftly identify and gain instant access to a comprehensive selection of Shariah-compliant stocks.

Chuck Lim, Head of Business of Malacca Securities Sdn Bhd, said, “We believe in empowering our users with the tools and insights they need to succeed. We’re thrilled to offer our users a seamless platform that combines cutting-edge technology and real-time market intelligence. With M+ Global, traders can easily and confidently navigate the complexities of global investments, unlocking endless possibilities for growth and success at their fingertips.”

The M+ Global is a seamless and intelligent platform integrated with 24/7 stock-mover monitoring and real-time news, providing users exclusive access to timely global financial information to stay up-to-date on important market-moving events and make more informed investment decisions. Users can personalise their watchlist news, customise their alerts and get instant updates on top trending news from front-line financial news sources such as Benzinga, MT Newswire and many more.

With over two hundred licensed dealer representatives with foreign trade insights, Malaysians can leverage their expertise and diversify their portfolios through global investment for both Shariah-compliant and non-Shariah stocks in the United States and Hong Kong markets at a competitive price.

M+ Global offers a first-of-its-kind customer support experience with 24-hour multi-channel customer support service on in-app live chat, WhatsApp, hotline, email and live stream.

“Our rich sixty-year history as an award-winning homegrown stockbroking company places us at the forefront of stock market innovation. Building on the success of M+ Online in 2012, we are committed to staying ahead of the curve to provide a first-class digital experience to enhance the investment experience for our valued customers. We’re paving the way for a new era of wealth-building with Malaysians, starting with the launch of M+ Global,” said Lim Chia Wei during the launch of M+ Global.

“ As a hybrid broker with sixty years of experience, M+ Global was created to stand out in the market through the seamless integration of cutting-edge technology and personalised human expertise. Our powerful global trading platform provides easy access to a wide range of investment opportunities across global markets. However, we understand that technology alone is not enough, which is why our team of two hundred licensed dealer representatives bring their industry knowledge to provide a comprehensive and personalised trading experience,” added Lim Chia Wei.

Malacca Securities Sdn Bhd, the creator of M+ Global, is committed to continuously improving and advancing the platform to provide Malaysians with an intelligent and accessible gateway to the global marketplace. Users can expect more upcoming features such as initial public offering (IPO), conditional order, US fractional shares and options trading, which will be rolled out soon to the public in stages.

To celebrate the launch, M+ Global is hitting the town with free shares under its “Unbox Mystery Stock” campaign! Starting from 15^thMay 2023, new users who register for an M+ Global account will receive one (1) unboxing chance to get one (1) free stock randomly (Apple, Tesla, Google, Shell, Coca-Cola, Manchester United, Krispy Kreme or Snapchat) when they deposit a minimum of RM1,000 into their account for the first time. Additionally, they can also access thirty days (30) of free live quotes to the United States and Hong Kong markets.

For more information and updates about M+ Global, log on to https://global.mplusonline.com/. To learn more about the “Unbox Mystery Stock” campaign, visit: https://m.global.mplusonline.com/activitiesr/mystery-box?activityId=14&_scnl=WSI2. M+ Global is available for download on the Apple App Store, Google Play and Huawei App Gallery. Alternatively, you can sign up for an M+ Global account here: https://m.global.mplusonline.com/kh/status/entry/transit?lang=en_US&_scnl=WSI2.

About Malacca Securities Sdn. Bhd.

Malacca Securities Sdn. Bhd. is an award-winning homegrown stockbroking company with 60 years of experience providing investment solutions for retail investors and corporate organisations. Malacca Securities is listed as a participating organisation under Bursa Malaysia and licensed by the Securities Commission Malaysia. Malacca Securities remained a pioneer in the industry after surviving several world crises through innovations to make stockbroking more accessible to Malaysians. Malacca Securities is committed to revolutionising the financial landscape through technology and innovation, starting with the launch of M+ Online in 2012 to boost investors’ trading journey in the local scene. With its 60th anniversary in 2023, Malacca Securities launched M+ Global, a one-stop global trading platform with real-time market data, news and alerts to help Malaysians make better-informed trading decisions to navigate the global market confidently.

About M+ Global

M+ Global is a one-stop, all-in-one global trading platform created by Malacca Securities Sdn. Bhd., an award-winning homegrown stockbroking company with 60 years of expertise in building wealth together with Malaysians. Malaysians can trade globally with M+ Global, starting with two of the world’s largest and most important global markets – the United States and Hong Kong. M+ Global is Malaysia’s first digital trading platform that offers NASDAQ basic real-time data. M+ Global is the only trading platform offering Shariah Screening for global stocks. As a one-stop, all-in-one global trading platform for all traders, M+ Global is equipped with all the professional tools, news and customisable alerts to enhance Malaysians’ trading experience on a global scale seamlessly.

Bintang Capital Partners Becomes First Southeast Asian Private Equity Firm To Earn B Corp Certification

Posted on 23/05/202331/07/2026 by admin

Bintang Capital Partners Berhad (“Bintang” or the “Firm”) proudly announces its achievement of becoming a Certified B Corporation (“B Corp”), making it the first private equity firm in Southeast Asia to earn this prestigious recognition.

Administered by the renowned global non-profit B Lab, the B Corp Certification recognises businesses that meet high standards of verified performance, accountability and transparency on factors ranging from employee benefits and charitable giving, to supply chain practices and using responsible input materials.

By joining the community of 6,800 existing B Corps operating in 161 industries across 90 countries, Bintang is embracing a common objective of harnessing business as a force for good.

Johan Rozali Wathooth Founder And Chief Executive Officer Of Bintang — *Johan Rozali-Wathooth, Founder and Chief Executive Officer of Bintang*

Founder and Chief Executive Officer of Bintang, Johan Rozali-Wathooth, shares the reasons behind Bintang’s motivations in pursuing B Corp Certification, stating, “It has always been my dream to establish a private equity firm that integrates purpose with considerations for people, planet, and profit. During the early stages of the COVID pandemic, I had time to think about how companies all over the world achieved this goal. The narratives surrounding the B Corp movement inspired and convinced me that this is the way forward for Bintang.”

Bintang has integrated core values of the B Corp belief system into every facet of its business operations and investment processes. This certification represents a significant leap forward in the firm’s relatively short history, propelling Bintang towards becoming a leading impact investor in the Southeast Asian region, driven by the firm’s core “Triple I” philosophy of “Investing in Impact and Innovation.”

Johan further explains, “This achievement not only demonstrates our commitment to responsible business practices but also serves as an inspiration for our Partner Companies. We aspire to guide and support them on their quests to become Certified B Corps. Additionally, given the under-representation of Southeast Asian companies amongst the global B Corp community, we have a further dream to create at least 150 new B Corps in the ASEAN region within our portfolio of companies by 2050.”

Tan Ee Beng, Director at B Market Builder Southeast Asia (the Southeast Asian chapter of the global B Lab Network) shares that, “Bintang Capital Partners has long been a leader and evangelist of ‘Business as a force for Good’ as demonstrated in their organisation’s core values and purpose. This is aligned with our collective mission at B Lab Network globally to transform our current economic system to be more inclusive, equitable and regenerative. I applaud the Bintang team for their perseverance, commitment and leadership in making their dream of becoming a Certified B Corp a reality.”

To earn its certification, Bintang completed the comprehensive B Impact Assessment, evaluating the firm’s practices and performance across five impact areas: workers, communities, customers, governance, and the environment. This process involved rigorous assessments and verifications, engaging every member of the firm, and spanning approximately one year.

As part of the certification process, Bintang amended its Constitution to embrace stakeholder governance. This commitment ensures the firm’s accountability extends to all stakeholders, including workers, communities, customers, suppliers, and the environment – not only its shareholders. Bintang’s comprehensive Responsible and Sustainable Investment Policy further reinforces the incorporation of environmental, social, governance (ESG) as well as impact considerations into all aspects of its business operations, including the investment process.

Johan added, “Bintang Capital Partners’ B Corp Certification demonstrates its unwavering dedication to responsible business practices and its commitment to making a positive impact. The firm looks forward to continuing its journey as a leader in sustainable investing, inspiring others in the region and beyond”.

About Bintang

Founded in 2018, Bintang is a private equity firm headquartered in Kuala Lumpur, Malaysia. Bintang benefits from a parentage that includes leading independent Malaysian asset management group, AHAM Asset Management Berhad as well as leading global investment managers such as CVC Capital Partners and Nikko Asset Management.

Bintang focuses on deploying capital into fast-growing mid-sized ASEAN companies with proven track records: based on Bintang’s Triple-I Strategy (“Investing in Impact & Innovation”) the Firm backs visionary entrepreneurs who are aligned to Bintang’s twin core investment philosophies of Innovation and Impact.

Bintang is a signatory to the United Nations Principles for Responsible Investment (“UN PRI”). The Firm is also the first Malaysian signatory to the Operating Principles for Impact Management (“the Impact Principles”), an initiative whose development was led by the International Finance Corporation (“IFC”), a member of the World Bank Group.

On the 21st of May, 2023, Bintang became a B Corp, the first private equity firm in Southeast Asia to earn this prestigious recognition. Bintang has an aspiration to create 150 B Corp portfolio companies by 2050 (“150 by ‘50”).

The Firm’s maiden fund, BCP Asia Fund I (“BCPAF I”) is anchored by Dana Penjana Nasional, an investment fund under the Malaysian Government’s Ministry of Finance aimed at catalysing the country’s post Covid-19 economic recovery whilst supporting the local private capital industry.

BCPAF I invests in high performance and high innovation companies who are well-placed to meet the challenges, opportunities and disruption brought about by rapid advancements in technology. The fund focuses on investments in companies who are committed towards delivering impact from environmental, community, employee, customer and governance perspectives.

Recent investments by the firm include Involve Asia, a technology company that operates a performance-based marketing platform; My Care Concierge, a multi-award-winning provider of elderly care solutions; and iHandal, an industry leader in the energy efficiency solutions innovation space.

Further information about Bintang is available at www.bintangcapitalpartners.com.

About B Lab

B Lab is the non-profit network transforming the global economy to benefit all people, communities and the planet.

By harnessing the power of business, B Lab positively impacts companies around the world, helping them balance profit with purpose. Together, B Lab and the B Corp Community are shifting the global economy from a system that profits few to one that benefits all: advancing a new model that moves from concentrating wealth and power to ensuring equity, from extraction to generation, and from prioritizing individualism to embracing interdependence.

Further information about B Lab and the B Corp Certification is available at About B Lab (bcorporation.net).

SC Takes Enforcement Action Against Huobi Global For Illegally Operating DAX In Malaysia

Posted on 22/05/2023 by admin

The Securities Commission Malaysia (SC) has taken action against Huobi Global Limited, and its Chief Executive Officer Leon Li for operating a digital asset exchange (DAX) in Malaysia without registration.

Accordingly, the SC has issued a public reprimand against Huobi Global Limited, and Leon Li for operating illegally in Malaysia.

In addition, the SC has ordered Huobi Global Limited to stop its operations in the country, including to disable its website and mobile application on several platforms such as Apple Store, Google Play and any other digital application platform.

Huobi Global Limited has also been directed to cease circulating, publishing or sending any advertisements, whether in email or on social media platforms, to Malaysian investors.

Leon Li, as the CEO, has also been specifically ordered to ensure that the above directives are carried out.

This decision comes after concerns about the platform’s compliance with local regulatory requirements and protecting investors’ interests. The SC views this breach seriously, as operating a DAX without obtaining the SC’s registration as a Recognised Market Operator (RMO) is an offence under Section 7(1) of the Capital Markets and Services Act 2007.

The SC urges Malaysian investors who have been using Huobi Global Limited to immediately cease trading through its platform, withdraw all their investments, and close their accounts.

Investors are strongly advised to invest and deal with RMOs that are registered with the SC. Registered RMOs have undergone strict regulatory scrutiny and are required to adhere to strict guidelines so that investors are protected under Malaysia’s securities laws. Those who invest with unlicensed or unregistered entities or individuals are exposed to risks such as fraud and may not be protected under Malaysian securities laws.

Investors should exercise caution when choosing investment platforms and to always do their due diligence before making any investment decisions. Additionally, investors should be wary of investment schemes that promise high returns with little risk, as they may be too good to be true. By taking these precautions, investors can safeguard their investments and avoid falling victim to fraudulent schemes.

Siri Penyelidikan ICMR: Milenial Dan Gen Z Mesti Merancang Awal Untuk Persaraan Yang Lebih Baik Dalam Dunia Pekerjaan Yang Berubah

Posted on 18/05/202331/07/2026 by admin

Dunia pekerjaan semakin berubah. Krisis COVID-19 telah mempercepatkan aliran struktur sedia ada dan menyebabkan organisasi memikirkan semula pelbagai aspek pekerjaan. Bagaimana pekerjaan dilakukan, di mana dan oleh siapa menjadi lebih pelbagai dan berubah-ubah. Oleh kerana sifat kerja dan cara kita menjana wang terus berubah, ini secara tidak sengaja akan memberi kesan kepada aspek kewangan peribadi yang lain juga.

Sekiranya anda merupakan seorang anak muda Malaysia yang menabung untuk persaraan, masa depan anda mungkin kurang terjamin daripada apa yang anda fikirkan. Walaupun dekad yang akan datang bakal menyaksikan salah satu pemindahan kekayaan terbesar di antara generasi kepada golongan milenial dan Gen Z, tabiat dan tingkah laku kewangan semasa generasi muda ini, serta perubahan sifat kerja, mungkin akan menjejaskan simpanan masa depan mereka.

Sistem Pencen Sedia Ada Tidak Akan Mencukupi

Kajian ICMR di seluruh negara berkenaan golongan milenial dan Gen Z mendapati bahawa 70% responden menjangkakan perubahan dalam kehidupan pekerjaan mereka dalam tempoh 12 bulan akan datang. Daripada jumlah ini, 61% melihat diri mereka menukar modaliti pekerjaan, sama ada mengambil kerja sampingan atau bekerja sambilan, atau bekerja sebagai pekerja bebas atau menjadi pemilik perniagaan.

Perubahan Dalam Pekerjaan Bagi Tempoh 12 Bulan Akan Datang — Rajah 1: Perubahan pekerjaan yang dijangka berlaku bagi tempoh 12 bulan yang akan datang (Sumber Data: ICMR)

Dengan bilangan mereka yang beralih daripada tanggapan tradisional tentang mempunyai satu pekerjaan sepenuh masa semakin meningkat, isu perlindungan dan kecukupan dalam sistem pencen sedia ada akan menjadi lebih parah. Kebijaksanaan persaraan lampau yang bergantung kepada rancangan persaraan tradisional mungkin berkesan untuk ibu bapa dan datuk nenek mereka, tetapi ini tidak mencukupi bagi golongan milenial dan Gen Z untuk mengharungi tahun-tahun keemasan mereka.

Sistem pencen sedia ada di Malaysia sebahagian besarnya adalah berasaskan majikan, dengan sebahagian daripada gaji dipotong secara automatik daripada senarai gaji dan dimasukkan ke dalam simpanan persaraan. Tetapi seperti yang telah kami ketengahkan dalam laporan kami sebelum ini, pekerja gig, pekerja bebas dan pemilik perniagaan kecil tidak dilindungi oleh sistem sedia ada, dan ianya juga tidak mengambil kira pendapatan tambahan dengan tepat daripada pendapatan sampingan atau modaliti pekerjaan lain.

“Saya selesa dengan aturan kerja bebas, dan tidak fikir saya akan kembali bekerja sepenuh masa pada masa hadapan. Tetapi saya sedang berusaha untuk membeli rumah baru-baru ini dan menghadapi kesukaran untuk mendapatkan pinjaman kerana bank tidak mengiktiraf kerja bebas, walaupun saya dibayar secara konsisten setiap bulan.”
– Hussein, 30, perunding bebas

Mengatasi “Present Bias” Untuk Persaraan Yang Lebih Baik

Tanpa akses kepada pelan pencen berasaskan majikan, golongan muda Malaysia akan dibiarkan memikul tanggungjawab merancang untuk persaraan mereka sendiri. Bagaimanapun, tinjauan ICMR mendapati bahawa bilangan golongan milenial dan Gen Z yang tidak menganggap simpanan persaraan sebagai keutamaan adalah membimbangkan. Sebaliknya, mereka mengutamakan pembelian rumah, barangan mahal, dan mengaut keuntungan daripada pulangan pelaburan yang lebih tinggi.

Ini adalah selaras dengan pencerahan daripada temu bual kualitatif kami, di mana hanya seorang responden mempunyai matlamat kewangan persaraan spesifik. Bagi semua responden lain, persaraan adalah tanggapan yang samar-samar dan jauh, atau terdapat kepercayaan bahawa “ianya akan berlaku sendiri” untuk tujuan persaraan. Ramai juga merasakan bahawa mereka mempunyai terlalu banyak komitmen dan perbelanjaan semasa untuk memikirkan tentang persaraan.

ICMR Article 4 Image 2 — *“Present bias”* membuatkan kita memihak kepada masa kini dan kurang bagi masa hadapan – lalu meningkatkan masalah seperti ketagihan, penangguhan, ketidaksabaran, kepuasan segera dan perancangan yang tidak baik (Sumber Imej: Don McMinn)

Contoh-contoh ini menunjukkan “present bias” apabila memikirkan tentang persaraan, atau kecenderungan untuk berpuas hati dengan ganjaran semasa yang lebih kecil berbanding menunggu ganjaran masa depan yang lebih besar. Malah, kajian terdahulu menunjukkan bahawa rakyat Malaysia hanya mula merancang untuk bersara selepas umur 40 tahun, justeru terlepas peringkat pengumpulan jangka panjang yang kritikal yang boleh mengakibatkan perbezaan ketara di dalam simpanan persaraan mereka.

“Saya kehilangan pekerjaan pada Mac 2020. Sekarang saya seorang pemandu Lalamove, dan saya membantu di bengkel rakan untuk mendapatkan pendapatan tambahan. Sukar untuk memikirkan matlamat kewangan atau membuat apa-apa rancangan jangka panjang apabila saya hanya menumpukan terhadap usaha untuk mendapatkannya dari sehari ke sehari. Saya tidak mempunyai masa atau tenaga untuk mengkaji perkara ini ataupun dana yang mencukupi.”
– Zaim, 34, pemandu Lalamove

Bermula Awal Untuk Mendapat Manfaat Daripada Perancangan Kitaran Hayat

Kekurangan persaraan yang mencukupi dalam kalangan anak muda Malaysia melibatkan kedua-dua peringkat individu, dan juga di peringkat dasar negara. Kesan gabungan penuaan penduduk dan kekurangan simpanan persaraan adalah pelbagai segi dan kompleks, dengan implikasi dasar untuk pasaran buruh, produktiviti, serta institusi sosial dan keluarga.

Golongan milenial dan Gen Z bernasib baik kerana mereka yang mempunyai jangka masa yang lebih lama. Ini membolehkan mereka untuk mendapat manfaat daripada perancangan kitaran hayat yang lebih baik berdasarkan tahap risiko mereka sendiri. Oleh itu, adalah penting bagi individu mengambil langkah pertama seawal mungkin dalam menilai keadaan kewangan keseluruhan mereka, dan membuat pelan kewangan dan pelaburan jangka panjang yang sesuai dengan keperluan dan gaya hidup mereka.

Apa yang boleh membantu ialah memikirkan tentang simpanan persaraan sebagai pengumpulan kekayaan. Membina tabung persaraan yang besar menjadi lebih sukar di kemudian hari apabila seseorang mempunyai lebih banyak perbelanjaan, seperti keluarga dan hutang rumah. Tetapi dengan bermula awal, menabung untuk persaraan boleh menjadi sesuatu yang jauh lebih menyenangkan – dan mengujakan. Jumlah sedikit yang disimpan untuk persaraan hari ini boleh membawa perubahan yang besar di masa hadapan.

Dengan masa menyebelahi mereka, golongan milenial dan Gen Z boleh memanfaatkan kuasa faedah berganda dan meminimumkan kesan turun naik pasaran terhadap pelaburan mereka. Mereka juga boleh membuat keputusan yang lebih baik tentang pilihan kerjaya, pendidikan dan gaya hidup mereka, yang boleh memberi impak besar terhadap masa depan kewangan mereka.

ICMR Article 4 Image 3 — *Lebih banyak masa wang boleh berganda dan berkembang, lebih banyak peluang untuk pendapatan tersebut menjana wang tambahan. (Sumber Imej: *Ramsey Solutions*)*

Mereka Semula Persaraan Untuk Masa Depan

Memandangkan sifat kerja yang terus berevolusi di Malaysia dan di seluruh dunia, adalah penting bagi individu untuk menyedari kesannya terhadap kewangan peribadi mereka, terutamanya yang berkaitan dengan perancangan persaraan. Sementara itu, penggubal dasar juga perlu memainkan peranan mereka dalam memastikan sistem pencen semasa adalah mencukupi dan inklusif untuk semua rakyat Malaysia.

Kesimpulannya, membina masa depan kewangan yang mampan dan terjamin untuk semua rakyat Malaysia memerlukan gabungan tindakan individu dan reformasi sistemik. Dengan mengutamakan perancangan awal dan komprehensif, serta menangani jurang dasar, kita dapat memastikan semua rakyat Malaysia berpeluang untuk bersara dengan selesa dan bermaruah.

Artikel ini adalah sebahagian daripada siri kandungan oleh Institute for Capital Market Research (ICMR). Ikuti laman Facebook ICMR untuk mendapatkan info terkini tentang petua tingkah laku dan pandangan, untuk tabiat pelaburan yang lebih baik. Untuk mengetahui lebih lanjut mengenai kajian ICMR ke atas milenial dan Gen Z, layari www.icmr.my atau muat turun laporan penuh di sini.

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