Sebuah kejohanan hoki antara Trust School dan sekolahsekolah jemputan Kuala Lumpur telah dianjurkan untuk memupuk dan menyemai semangat kesukanan dalam kalangan murid. News AKPKSpeaker Encik Abdul Rasheed Ghaffour. Venue Multi Purpose Hall, Lanai Kijang. Language English Speech. Date 0. 7 Apr 2. Saya amat berbesar hati dapat bersama tuan tuan dan puan puan sekalian pada pagi ini sempena majlis pelancaran modul pengurusan kewangan Persaraan Bermulanya Perjalanan Baru yang dibangunkan melalui usahasama antara dua agensi penting dalam bidang pengurusan kewangan individu, iaitu AKPK dan KWSP. Usaha ini amatlah dialu alukan dan tepat pada masanya. Perkembangan semasa yang mencabar mengingatkan kita betapa pentingnya keperluan untuk meningkatkan kesedaran mengenai pengurusan kewangan berhemat, terutamanya di dalam merancang persaraan dan masa depan. Sekalung tahniah saya ucapkan kepada AKPK dan KWSP di atas usaha dalam menjayakan modul ini. Ini adalah contoh usahasama bagi mencapai matlamat yang lebih penting dalam pendidikan kewangan. Bittersweet Blessing Pdf more. Majlis ini juga merupakan peringatan yang baik mengenai kepentingan untuk meningkatkan celik kewangan rakyat Malaysia untuk mengurus dan merancang hal kewangan mereka dengan bijak demi masa depan yang lebih cerah dan selesa. Importance of Financial Literacy. There is a growing concern on the low financial literacy level of Malaysians as measured by financial knowledge, attitudes and behaviours. Based on the Financial Capability and Inclusion Demand Side Survey conducted by Bank Negara Malaysia in 2. Malaysians can be described by First the majority of Malaysians have inadequate knowledge on financial matters to enable them to make informed financial decisions, particularly among the vulnerable groups Second a significant majority of Malaysians display short sighted tendencies and are inclined to live for the moment that is to only focus on instant gratification at the expense of long term financial planning Third more than 7. Malaysians find it difficult to even raise RM1,0. Fourth only a quarter of Malaysians have any form of investment and. Fifth most Malaysians indicated that they will face financial pressure should there be a loss of income. Therefore, building the financial capability and literacy of Malaysians is certainly a priority for the nation. What we want to achieve is to improve peoples ability to manage money well through their entire life cycle, and their ability to handle periods of difficulties. Financially literate population will help to improve the well being of individuals and households ensure a sound and competitive financial system as well as contribute to the sustainable growth of the economy. Let me explain further on the importance of elevating financial literacy For individuals and households financial literacy has become a key life skill. Those who go through life by making sound financial decisions will potentially be more resilient and end up with a much higher standard of living throughout their lifetime, including during retirement. With the right knowledge and skills individuals can live within their means manage finances and improve chances of achieving their ultimate financial goals. A financially literate Malaysian would be aware of the importance of long term financial planning and will actively save for the future. Laman Web Rasmi Hospital Port Dickson mengandungi maklumat am mengenai hospital secara keseluruhannya. Directors Corner Message from the Director. The year 2013 was a significant year for Forest Department Sarawak when the forestry sector continued to play a. Bahagian Perancangan Korporat BPK telah mengadakan Program Team Building pada bertempat di Nur Lembah Pangsun Hulu Langat, Selangor. POWER AKPK Infoline 032616 7766 Make Prudent Financial Management A Way Of Life. Program konsep homestay adalah salah satu strategi perlancongan di luar bandar ia melibatkan pelancong luar menginap, menjamu selera dan menikmati keindahan semulajadi. Team-Building-1.png' alt='Aktiviti Program Team Building' title='Aktiviti Program Team Building' />Empowered financial consumers is an important element in enhancing market discipline and promoting financial stability. Financially literate consumers can collectively influence the behaviour of financial institutions to operate in a responsible, transparent and efficient manner. Financial institutions would be more competitive and motivated to provide proper advice and offer suitable products, including that can support long term financial planning. Successful channelling of savings into productive investment opportunities will also promote better economic growth. Greater use of financial products as well as prudent use of credit among households would promote wealth creation. A nation with a more literate population can achieve greater financial inclusion through the access and appropriate use of financial products and services. Such households would facilitate in achieving the intended outcomes of macroeconomic policies. Let me focus on three areas that are relevant towards shaping a better future in the context of financial literacy First long term financial planning begins at young age and relevant at each key life stages. Second on the individual responsibility to take charge of its own financial decisions and well being and. Third building financial capability and enhancing literacy is a shared responsibility. I will share the on going collaborative efforts undertaken to raise financial literacy among Malaysians. Talking about Long Term Financial Planning. Based on Bank Negara Malaysias observation there is a continuing concern on the lack of attention to long term financial planning among a majority of Malaysians. H2 Weight Loss. Only 4. 0 of Malaysians are financially ready for retirement. A recent focus group discussion with retirees shows that they would still rely on their children or purchase using credit in the event of emergency or for higher value items. This could be a result of lack of financial planning when they were younger. Mp3 To Midi Converter Full Crack. Generally, the younger population aged between 2. Therefore, financial education introduced from an early age and throughout life events is certainly essential. With sufficient basic financial knowledge and relevant skills ingrained into the younger individuals behaviour and attitude they will be more prepared and empowered to lead a healthier financial lifestyle as they move into adulthood. Financial education from young serves as a firm foundation to influence behaviour for a more sustainable life long financial planning. Towards this end, Bank Negara Malaysia, in collaboration with the Ministry of Education has successfully integrated basic financial education elements into the school curriculums beginning 2. Similarly, greater attention should also be accorded to long term financial and retirement planning from young, or when entering the workforce. There should be greater awareness on the importance of saving for the future. As most of us here represent employers throughout Malaysia, I would urge that financial education and planning aspects should be embedded in our training modules, including the retirement module developed by AKPK and KWSP. Moving on the second focus area on Individual responsibility to take charge of its own financial decisions and well being. The Financial Capability and Inclusion Demand Side Survey 2. Malaysians are not adequately taking charge of their own financial decisions and well being. For example, with regard to retirement one in three Malaysians are very worried about their retirement. Despite the worries, Malaysians adopt a passive strategy for their retirement planning such as relying mainly on the government or statutory bodies such as KWSP to fund their retirement needs. As mentioned earlier, many of KWSPs contributors have insufficient funds for their retirement. This brings us to another question what are their fall back plansApparently, nothing concrete. The top three plans indicated in the survey are First to rely on passive savings, which may not be sustainable Second to rely on children or family members and. Third to always continue working. Most financial decisions are influenced greatly by a persons behaviour and attitude.