PTPTN
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PTPTN is a Malaysian education financing scheme that provides loans to students pursuing higher education locally. It allows students to fully or partially finance their tuition and living costs. This provides more opportunities for tertiary study. However, loan recipients must begin repaying their loans six months after graduating, with monthly payments for a set period. Failure to repay loans can result in blacklisting and being barred from leaving Malaysia. While PTPTN improves access to education, some students use the funds improperly and repayment has been an issue, with over 30% of some borrowers in default.
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Republic act no. 6728
This document summarizes Republic Act No. 6728, which provides government assistance to students and teachers in private education in the Philippines. Some key points:
- It establishes programs to provide financial assistance to private K-12 students and college students, including tuition fee supplements, scholarships, and textbook funding.
- Assistance is based on criteria like family income, tuition fees charged, and accreditation of education programs. Preference is given to students with family incomes of P36,000 or less.
- It expands existing programs like the voucher-based Private Education Student Financial Assistance Program and the Educational Service Contracting scheme.
- At least 70% of subsidies must go towards salaries/benefits of teaching
NEP-S.pptx
Education must build character, enable learners to be ethical, rational, compassionate and caring while at the same time prepare them for gaining employment.
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15213943.ppt
This document provides an overview and guidelines for school-based financial management for non-implementing units (non-IUs). It discusses the learning objectives, key activities involved in school-based financial management including fiscal planning, budgeting, cashiering, accounting, procurement, asset management, and reporting. Specific guidelines are provided for granting cash advances, maintaining cash disbursement registers, and preparing liquidation reports. The roles and responsibilities for financial management differ between implementing units and non-implementing units.
Hung Nguyen Vinh - 2015 Symposium on Financial Education in Tokyo
Hung Nguyen Vinh - 2015 Symposium on Financial Education in TokyoOECD Directorate for Financial and Enterprise Affairs
The document discusses establishing a national financial education program in Vietnam. It begins by providing an overview of Vietnam's financial sector and current levels of financial literacy. It then evaluates existing financial education programs and argues that a coordinated national program is needed to improve financial literacy, especially among vulnerable groups. The proposed national program would establish a coordinating agency, develop standard financial education modules, and implement the program in phases, starting with programs for the poor, low-income, women in rural areas, and small and medium enterprises.Kapital Access for Young Agripreneurs (KAYA)
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How to get into teaching
Getting on to a Teacher Training course involves completing an initial teacher training program to achieve qualified teacher status. There are several routes to qualified teacher status including school-based programs, employment-based training, and programs through higher education institutions. Applicants must meet basic subject requirements and consider funding options as teacher training programs require tuition fees and living expenses which may be offset by loans, bursaries, and grants. Careful planning is required to determine the best route and successfully apply to teacher training courses.
Canada-Ontario Job Grant Employer Training
This presentation provides a high level overview of the following elements of the Canada-Ontario Job Grant:
- Background
- Program Description
- Eligibility and Requirements
- Program Delivery
- The Application Process
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The International Monetary Fund (IMF) is an organization of 188 countries that works to foster global monetary cooperation, secure financial stability, and promote high employment and sustainable economic growth. The IMF keeps track of the global economy and economies of member countries, lends to countries with balance of payment difficulties, and provides technical assistance to low and middle-income countries.
VISION 2020
The document outlines Malaysia's Vision 2020, which was introduced in 1990 with the objective of making Malaysia a fully developed nation by 2020. The vision called for Malaysia to become a self-sufficient, industrialized country by 2020 through achieving an annual GDP growth rate of 7% and doubling GDP every 10 years. It also aimed to improve aspects of life such as economic prosperity, education, social well-being, political stability, and national psychology. Challenges to achieving Vision 2020 included establishing a united Malaysian identity and developing a democratic, moral, just, and prosperous society with a competitive economy. Subsequent government programs like 1Malaysia, the Government Transformation Program, and Economic Transformation Program aimed to advance progress towards the goals of Vision 2020
Poverty
The document discusses poverty alleviation programs in Malaysia, including welfare payments and social assistance programs administered by the Social Welfare Department. It provides details on 5 schemes that provide monthly financial assistance to different target groups: (1) Public Assistance for the poor, disabled, and destitute, (2) State General Assistance which varies by state, (3) Financial Assistance for Children to help poor families care for their children, (4) Apprenticeship Allowance to help unemployed youth get skills training, and (5) Financial Assistance for Carers of disabled or chronically ill individuals. The overall goal of these transfer payment programs is to help the poor cover daily living expenses, increase purchasing power, and reduce poverty in Malaysia
NEW ECONOMICS POLICY
The New Economic Policy (NEP) was implemented in Malaysia from 1970-1990 to address racial inequality following 1969 riots. It aimed to reduce poverty, especially among Malays, and restructure society to address wealth distribution. In 1970, 74% of Malays lived below the poverty line compared to 17% of Chinese and 8% of Indians. The NEP succeeded in reducing the national poverty rate from 49.3% in 1970 to 17.1% in 1990, lifting many Malays out of poverty. However, it benefited Malays more than other ethnic groups, failing to adequately address poverty among Indians and other minorities. While the policy was effective in its goals, the government needs to ensure future economic growth benefits all communities.
Malaysian new economic model
The document summarizes Malaysia's New Economic Model (NEM) framework, which was introduced in 2010 to transform Malaysia's economy from being dependent on agriculture and commodities to a knowledge-based, high-income economy as outlined in Vision 2020. The NEM has four pillars including the Economic Transformation Programme focused on 12 national key economic areas. It aims to double per capita income by 2020 and create an inclusive, sustainable economy led by the private sector and supported by public sector infrastructure and policies.
Japan
Japan has a population of 127.5 million and a GDP of $5.1 trillion, making its economy the 3rd largest in the world. The public sector is larger than the private sector. Agriculture accounts for only 4% of employment but uses highly efficient terraced farming techniques and crop yields are among the highest globally. Japan is self-sufficient in rice, fruits, and ranks 2nd globally in fisheries, accounting for 15% of the world's fish catch. Manufacturing employs 28% and produces electronics, transportation vehicles, machinery, and processed foods. The service sector is also important, including banking, transportation, and telecommunications.
SALARY
This document examines salary differences in Malaysia. It lists the top 10 highest paying jobs, with pilots earning the most at 35,000 MYR per month. It provides details on the average salary of a human resources manager in Kuala Lumpur, including their education, experience, and benefits. Statistics show the average monthly salary in Malaysia is 7,598 MYR, while the median is 5,200 MYR. Salaries differ due to factors like education, skills, experience, job scope, and location. Higher pay can increase employee productivity, motivation, job satisfaction, and loyalty while improving quality of life. The conclusion emphasizes the importance of salary for one's future and encourages studying hard.
Issue nutrition
Good nutrition is important for school children. It helps support growth and development, improves cognitive performance, and reduces illness. The Supplementary Feeding Programme provides balanced meals to children to ensure proper nutrition. The School Milk Programme also aims to provide calcium and other nutrients to growing children through milk. Ensuring children receive adequate nutrition through meals and supplements is vital to their health, education, and future.
Issue & economic policies (ec0 649)
Unemployment is a major macroeconomic issue in Malaysia. While many students graduate each year, there remains a mismatch between the skills they attain in education and the needs of employers. This can lead to underemployment where graduates feel overqualified for their jobs and are less motivated. A survey found many employees believe there will be a shortage of highly qualified workers and that their employers are not providing enough career training. This skills gap occurs because educational institutions teach in an exam-focused manner rather than emphasizing skills applicable to future careers.
RISING FOOD PRICE
This document discusses the impact of rising food prices on consumers. It provides data showing increases in the consumer price index (CPI) for various food categories in Malaysia from May 2012 to May 2013. Rising food prices can negatively impact healthy eating habits and increase the cost of living. They reduce consumer loyalty and prompt more savvy shopping. The causes of high food prices include poor weather conditions, low stock levels, high petroleum prices, and increased biofuels demand. The government responses include maintaining ceiling retail prices for rice and increasing subsidies and production of basic foodstuffs.
Impact of foreign worker in malaysia
Foreign workers make up a large portion of Malaysia's workforce, with inflows steadily increasing since the 1990s. While they have increased productivity and economic growth, there have also been some negative impacts like increased crime rates. To minimize issues, the government aims to curb illegal immigration, prioritize local hiring, and better plan for required foreign labor.
Eco 649 hardcore poor (presentation)
This document defines poverty and hardcore poverty in Malaysia. Poverty refers to lacking resources for basic needs like food, water, shelter. Hardcore poor are defined as those without a daily meal or shelter, with income less than RM400/month. Statistics show hardcore poverty declining from 1.9% in 1999 to 0.2% in 2012, with rural areas previously having higher rates. The government implements various policies and programs to alleviate poverty and hardcore poverty, such as housing assistance, microcredit, skills training, and increasing benefits for disabled children. The goal is to eventually eliminate all poverty and hardcore poverty in Malaysia.
China economy
The Maoist era from 1949-1978 saw tight control of finances and the nationalization of the banking system. Agricultural reforms eliminated landlords and the Great Leap Forward occurred. From 1978-1990, China began economic reforms to introduce capitalist aspects and encourage personal income and consumption. Special economic zones permitted foreign investment starting in 1978. In the 1990s, China continued rapid growth over 10% annually though faced issues like inflation and bad loans. Reforming state enterprises and the banking system remained challenges into the 2000s. Since 2010, China has been the world's largest creditor nation and goods exporter but faces a slowing economy and loss of skilled professionals.
Bumiputera ownership of wealth
The document discusses Bumiputera socioeconomic policies and equity ownership in Malaysia from 1970 to 2011. It notes that the National Economic Policy (NEP) was introduced in 1970 to address socioeconomic inequalities and increase Bumiputera participation in the economy. While the NEP and subsequent policies made progress towards reducing poverty and increasing Bumiputera equity ownership, the targeted 30% equity level has yet to be achieved. Current efforts through the New Bumiputera Economic Empowerment Council aim to further strengthen Bumiputera human capital, business ownership, and economic participation.
National development policy (ndp)
The National Development Policy (NDP) was introduced in 1991 by Prime Minister Mahathir Mohamad to continue the goals of the New Economic Policy (NEP) and transform Malaysia into a developed nation by 2020. The NDP aimed to strengthen national unity, reduce economic and social inequalities, and spur balanced development across all sectors and regions of the country. It led to strong and equitable economic growth during its implementation from 1991 to 2005, achieving annual GDP growth of 6.2% while keeping inflation and unemployment low. The NDP helped improve standards of living for Malaysians through increased access to education, better work opportunities, and advanced infrastructure.
KFC Holdings
Kentucky Fried Chicken Holdings (KFC) Malaysia has over 500 restaurants nationwide. It aims to be the leading integrated food services group in Asia Pacific through consistent quality and customer service. KFC evaluates its strategies, including maintaining prices for existing products and using skimming pricing for new products. It assesses product performance through customer feedback and sales analysis. KFC also evaluates the effectiveness of its distribution channels, promotion activities, and pricing strategies. The company seeks to achieve its vision through its product quality, pricing considerations, promotional activities, and restaurant placement.
Sm present sok
PST Travel was established in 1984 as a modest ticketing agency in Malaysia and has since grown to become one of the top 5 travel management companies in the country with over 80 employees. Its vision is to simplify business travel while its mission is to anticipate and meet customer needs through excellent service. Witte Travel and Tours was founded in 1975 in Michigan arranging performance tours for music groups traveling to Europe. It later expanded to offer special interest tours for heritage and cultural experiences. Its mission is to provide outstanding customer service while its vision is to enrich lives through travel opportunities.
Environmental Issues
The document discusses various solutions that governments and organizations have implemented to address environmental externalities and market failures related to pollution. It provides examples of different approaches, including command-and-control regulations, economic incentives like emissions trading systems, subsidies, and moral suasion. Some specific policies and programs mentioned include technology standards for vehicles, cap-and-trade programs, pollution charges, certification standards for sustainable palm oil, and awareness campaigns.
Entrepreneurship presention for new products
AI Detector is a product consisting of an application and nano chip designed to increase security for valuable goods. The nano chip can be purchased separately and attached to items, changing color to match. This allows users to track lost or stolen goods via the application. While other similar tracking products exist, AI Detector aims to fill the need of customers concerned about theft and lost items through its small, durable nano chips that work worldwide with the smartphone application. Market research shows demand exists among individuals and families concerned with security of possessions.
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PTPTN
- 1. TITLE: PTPTN – IMPACT TO THE STUDENTS
- 2. WHAT IS PTPTN • PTPTN Education Financing Scheme was established for the purpose of providing education financing to students pursuing studies in local institutions of higher education.
- 3. WHAT IS PTPTN • PTPTN education financing facility is offered to students pursuing their studies at public (IPTA) and private (IPTS) institutions of higher education locally. This is in accordance with Section 2 of the PTPTN Act 1997 (Act 566) for institutions of higher education established under the: • Universities and University Colleges Act 1971; • Universiti Teknologi MARA Act 1976; • Private Higher Educational Institutions Act 1996; • Polytechnics established and maintained by the Minister under the Education Act 1996; and • Any other higher educational institutions established or deemed to have been established under the Education Act 1996 and which is determined by the Minister to be a higher educational institutions.
- 4. POSITIVE IMPACT OF PTPTN • This education financing will enable students to finance fully or partially the course fees and their cost of living for the duration of their study at the local institutions of higher education. Thus providing more opportunities for students to pursue study at the tertiary level.
- 5. POSITIVE IMPACT OF PTPTN • WPP amounting RM 1500 is provided to ease financial burden of the students in preparing themselves prior to registration at IPTA & IPTS. • Student graduate with first class honour don’t have to pay back the loan because the loan will be transfer into a scholarship.
- 6. POSITIVE IMPACT OF PTPTN • PTPTN also give borrowers incentive and discounts to encourage them pay their loans.
- 7. NEGATIVE IMPACT OF PTPTN • PTPTN loan holder have to pay back the amount borrowed including the 1% “ujrah”. • The administrative cost will be calculated 6 months after completion of studies or termination of loan. • You will be barred from leaving Malaysia until the total amount of the remaining balance is settled if you are not pay back the loan.
- 8. NEGATIVE IMPACT OF PTPTN • You have to pay back the PTPTN loan six month after you graduate. • You must pay back some amount every month in future for a certain period. • Sometimes student used the money for something that is unrelated with the education.
- 9. ADDITIONAL INFORMATION • More than 100,000 PTPTN loan holders have been blacklisted by Immigration Department. • A total of 412,245 people out of the 1.24 million who had taken loan from PTPTN have yet to repay the money. • 36% of male students had failed to repay their loans, out of 527,152 male borrowers, while 265,305 or 33% female student out of 814,221 female borrowers, had also failed to repay their loans.
- 10. ISSUES REGARDING PTPTN • Abolish PTPTN and give free education to the student. • List PTPTN loan holders under the Central Credit Reference Information System (“CCRIS”).
- 12. T E H N E D