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Category: Malaysian economy and BNM

a variety of malaysian currency
BNM and Economy

RM is strongest since 2018. What about before 2018?

Malaysia has yet to reach the levels we were in before 2018. We do not need to go even further but suffice to say, that I personally do believe countries which has trade surplus should have a stronger currency while countries with a big deficit should have a weaker currency. This is how the trade balance is remedied. When Malaysia is exporting, the country which is importing would pay us in RM. So, of course demand for RM should increase and this should support the value. I know, this sounds simple. Else, please tell me how and why do currencies fluctuate then? For the purpose of speculative investment? Hmm….

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Malaysian economy and BNM

Positives in Malaysia: Inflation, Unemployment and GDP

The article highlights Malaysia’s positive economic indicators, including controlled inflation at 1.6%, a low unemployment rate of 2.9%, and a GDP growth of 5.7%. Despite good news, there is a tendency for negative content to attract more attention. Government support initiatives are also mentioned, benefitting millions.

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a man in blue polo shirt playing badminton
BNM and Economy

Bank Negara Malaysia: What is Living Wage and why is different with minimum wage?

Bank Negara says this about Living Wage. “A living wage is an income level needed for a household to afford a minimum acceptable living standard, which includes the ability to participate in society, the opportunity for personal and family development, and freedom from severe financial stress.” Do take a look at the image below. For the full study, refer here. Very comprehensive report by Eilyn Chong and Farina Adam Khong Source: bnm.gov.my

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Malaysian economy and BNM

Positive news Malaysia. Inflation. Economic Growth. Jobs.

Usually, when I write about positive things, the total views would be lower versus the times when I write about negative things. let’s see if this article is the same. Come on, sometimes we just have to also celebrate the fact that there are a lot of positives too and not just all dark, gloomy and negative. For people of any country, the there are three things everyone needs.

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ABCs of Personal Finance

BNPL Growth in Malaysia: Insights and Implications for Consumers

The buy now, pay later (BNPL) scheme in Malaysia has reached RM4.2 billion, with over 97% of 7 million users managing their loans responsibly. This reflects a small unpaid balance of RM147.7 million, indicating manageable debt levels. BNPL offers consumers flexibility while also supporting economic growth, though regulation may be necessary for consumer protection.

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Airport related

Tourism Boom: Foreign Visitors Exceed Kuala Lumpur’s Population

The whole Kuala Lumpur (not Greater KL) has a population of slightly over 2 million. Well, on average 3.5 million foreign tourists are in Malaysia every month. If we assume just 70 percent of these 3.5 million were in Kuala Lumpur at some point in that one month, it meant that there were MORE foreign tourists in Kuala Lumpur than the total population. Why is this number amazing, one wonders? Well, these foreign tourists are definitely enjoying food. In other words, restaurants have extra business.

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Malaysian economy and BNM

The latest results of the top 4 banks in Malaysia. What’s happening?

When we ask someone negative about the economic situation, the response will always be negative. When we ask someone who’s positive about the economic situation, the response will be positive. Just as if we ask the property developer what do they think about the property market, do we believe they will say it is all gloom and doom? Instead of asking and getting some ‘biased’ answers, how about we just look at numbers, nothing but actual numbers of achievements in the market?

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ABCs of Personal Finance

Understanding BNM’s RM100k Loan Education Requirement for 2027

Before we spend beyond our earnings, please remember that money which we overspend today will mean a much bigger ‘loss’ the future. For example, if I put in RM10,000 into the self-contribution for EPF, this RM10,000 could have turned into RM17,081 10 years later based on an average of 5.5 percent dividend returns from EPF. This is a 70 percent gain over 10 years due to the compounding effect despite EPF declaring just 5.5 percent every year for the next 10 years. If we used it now, then we are spending our future RM17,000.

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Malaysian economy and BNM

BNM’s OPR Decision: What It Means for Your Mortgage

Our current Overnight Policy Rate (OPR) is 2.75 percent. The decision is to be made by the Monetary Policy Committee (MPC) of Bank Negara Malaysia. Current rate is considered as appropriate and supportive of domestic economic growth and as usual, the MPC will monitor global and domestic economic risks before they make their next decision.

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China and Hong Kong Property related

Yuan’s stability will help facilitate growth in trading between nations

When it comes to trading between nations, it is important for the currency to be stable. Else, it is so hard to price the goods and one party could lose when the currency exchange is very different from the time or ordering to the time of delivery. This is why every country strives to ensure its currency is stable. This is also why most trades would use the same currency and typically it’s the US$.

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