Diploma of Accountancy by Innovative University College, Block C Kelana Square, Petaling Jaya (2026)

04/11/2024

A leader is like a farmer or a teacher, often inspire and guide in ways that may not show immediate results. Their true impact is realized over time, as those they lead grow, succeed, and make decisions shaped by that influence. Leadership isn’t about instant success; it’s about creating a lasting effect that helps others flourish long after the leader is no longer directly involved.

Like plant the growth of people take time and dependent in which environments the plant grew and it is not linear but organic. Every plant has their own requirements in order to grow and so do people.

The problem is not with the seed. As all the seed was might have different quality; what made the difference was the environment and the farmer.

There is a parable about a farmer who sowed seed on good ground, and it flourished, producing a great crop. But some of the seed fell on rocky ground, and it didn’t produce much. Other seed fell among the weeds and thorns, which kept the seed from growing.

The farmer jobs is to ensure the plant grow and bear fruits dispite the environment.

08/10/2024

“GOOD LEADERS TAKE THE HIT.”

As the leader, it’s your job to take the hit. You need to be able to spot problems, brace for impact, absorb the force, and keep on fighting. If you’re relying on your haymakers to get you through a time of chaos, you’re asking for pain. Throwing good punches matters, but leaders don’t win by throwing haymakers, they win by absorbing chaos.

31/08/2024

Celebrating friend's accomplishment; Congratulation Faiz Izzudin on his MAISCA young Governance Professional Award 2024.

Until It's my turn I will keep clapping for others.

26/06/2024

What is like?

According to an online index (remote)
reviewed the 60 highest GDP nations with data collected and analysed in March 2023, Malaysia (59th)
only better than Nigeria which ranked 60th.

Malaysia scored 27.51% in the study, with an average workweek of 40.8 hours and a minimum wage of USD1.07 (about RM5.04) per hour.

It is not a surprise since according to , employee compensation contributes 32.4% of GDP with a population of 34,193,706 people as of March 2023.

Additionally, Malaysia offers a low annual holiday allowance of just 19 days and has a happiness score of 5.71.

This is because according to , the maximum working hours for Malaysian is 45 hours & currently minimum wages is RM1,500 per month.

Hence, the Bank Negara Report 2018, examining the wage to productivity ratio showed that Malaysian workers are still being paid less then other countries.

According to the Malaysian Trades Union Congress, the meagre rate was not enough and should have been increased based on the high cost of living including the rising prices of goods at the present time.

With the lower income scales magnify a growing problem where more Malaysian will struggle to make ends meet especially in urban as Bank Negara living wage for single adult is RM2,700 per month and a couple living in KL with 2 children with income of RM 5,000 will be consider as M40 but actually their incomes are barely enough to make ends meet.

It is estimates that of the 75% of Malaysians living in urban areas, some 30% are likely to be fall under catagory.

Due to the current economic in Malaysia, employees do not have any work life balance for the workers to spend more time with the family.

This made worse when Malaysia transportation network wasn't improved so cause the employee to waste time in traffic jam.

Well, the a report by claims that the average number of time the average Malaysian spends in traffic jams every month is about 44 hours, in the Klang Valley Area, at least. Essentially this means we spend almost two whole days in traffic every month.

Long working hours & wasting time commuting may instead lead to exhaustion and contribute to higher probability of employees committing errors during work. Overwork can also lead to sleep deprivation and stress.

According to a AIA vitality survey, 54.4 per cent of workers sleep under seven hours per night due to sleep problems caused by long working hours and stress.

As Malaysian head to work before the sun rises and reach home after the sun sets. Surely, that cannot do any good to the quality of life index, no matter how much one is paid.

Based on research Bank Negara in 2018 also stated that higher labour productivity comes with higher wages and not by the duration of working time.

Thus, more need to be done to improve the wellbeing and social security of workers in Malaysia.

21/06/2024

&

As much as we are saddened & offered our support to the lagendary actor and we pray to God in His divine way can assist him his financial difficulty.

However, what happened to him might be experienced by other retirees as well but not being highlighted in Media.

As based on the EPF’s calculations last year, only about 4% of Malaysians could afford to retire anr 75% of members who had retired and taken out their savings in a lump sum ran out of money within five years.

Being an Asian society, caring for our parents is expected of most adult children and filial piety plays a huge role in shaping how we view the care of our elderly.

Many Malaysian are financially squeezed, sandwiched between caring for their children and young adults, while also providing for their aging parents.

Studies showed 50% of retirees have no savings meaning they need to rely on their kids for post-retirement.

In fact, 8/10 of elderly parents receive financial assistance from their children, showing how much filial piety is part and parcel of our Malaysian culture.

Because of this family-first culture, many Malaysians are part of the ' '. However, what happens when a person's finances cannot keep up with his or her filial piety?

As the children themselves struggle to support own children and ageing parents all at once can put a financial strain on middle-aged adults.

Since the standard of living in Malaysia is now increasing. How does Malaysian balance of between paying for their own household needs like children’s education and their parents’ medical bills? It can be a hefty load to carry on their own.

With the lower income scales magnify a growing problem where more Malaysian will struggle to make ends meet especially in urban as Bank Negara living wage for single adult is RM2,700 per month and a couple living in KL with 2 children with income of RM 5,000 will be consider as M40 but actually their incomes are barely enough to make ends meet.

It is estimates that of the 75% of Malaysians living in urban areas, some 30% are likely to be fall under catagory.

According to survey results announced this week by financial comparison website RinggitPlus, 71% of respondents save less than RM500 a month, and 55% live from pay cheque to pay cheque.

As Malaysian are financing their cost of living habits via credit cards and draining their EPF (account 3) savings in recent months, as the cost of living soars. This will only compound the financial burdens of the sandwich generation.

Our social issues that were being hide under the carpet for sometimes; from urban poor due lower minimum income policy to lack of saving that lead to retirement issue.

It is imperative for Malaysia, which is fast becoming an aged nation to have a properly policy for dealing with old-age poverty.

23/05/2024

: a necessary evil?

are the backbone of the Malaysian economy, accounting for 97.4% of total business establishments, generating 38.4% of GDP and providing employment for 7.59 million people which is 48.2% (i.e., virtually half) of Malaysia’s total workforce.

However because SMEs operate in an intensively competitive environment, this breeds the right conditions for the emergence of unethical practices to procure business.

According to new report "Bribery and corruption: The hidden social evil on your doorstep". Nearly two-thirds (63%) of SMEs fear that rejecting bribery and corruption will cost them busines.

Many small businesses don’t have the bargaining power to refuse when bribes are demanded of them.

Entrepreneurs have to choose between paying up to “get things done” ot losing the business and often that is no choice at all for someone trying to support a familly. In many ways, it seems that corruption is a necessary evil.

Does poverty lead to corruption? Or is it corruption that actually causes poverty?

The links between corruption and poverty affect both individuals and businesses, and they run in both directions: poverty invites corruption, while corruption deepens poverty.

Poor people and economically strapped businesses have few economic alternatives, and where serious corruption is the norm, they are even more vulnerable to exploitation. In that sense, there is no such thing as “petty” corruption: Officer shakedowns in a public market or grease for the wheels of bureaucracy even they entitle for the application.

Low-level officials themselves may have trouble earning an honest living. They can make money by dragging their feet, “losing” paperwork or contriving new requirements, forms and delay.

According to Transparency International report that 71% Malaysians think that government corruption is a big problem.

In corrupt markets and public bidding processes, inefficient firms and dishonest bidders have major advantages over honest competitors.

This misallocation is often manifested in the form of flawed infrastructure projects, inefficient government spending, and the neglect of essential public services, which disproportionately affects the most vulnerable in society.

If the government wishes to improve its image amongst the Rakyat it serves, the government needs to get its act together.

As Malaysians, we also part of the problem because we ourselves have internalized and normalized the corruption to such extent, we don’t even see ourselves as the perpetrators of corruption or exploitation anymore. Instead, we are deluding ourselves into believing we are the victims of the corruption and exploitation that we ourselves practise and promulgate.

Ultimately, lasting reform is a matter of enabling citizens, local businesses and their international partners to insist on basic rights, depend upon the rule of law and hold accountable those who govern.

15/05/2024

Today, as we engage in the debate about whether universities, like ( ), should open their doors to all races, which reminded me a historical event in US history; with regards to 2 Afro-American students (Malone & Hood) being denial to study at University of Alabama in 1963.

This historic moment remind us that the journey towards inclusivity is ongoing and requires our active participation.

While opinions on this issue may vary, it is essential to remember that progress often requires challenging the status quo and embracing change.

As we consider these perspectives, let us remember the lessons from the past: that inclusivity strengthens our communities and that progress often comes through difficult but necessary conversations. Whether some view this move as a step towards greater unity or have concerns about its implications, engaging in respectful dialogue is essential.

29/04/2024

MalaysiaLabourDay

As we celebrate , we would like to draw the attention of policymakers, employers and stakeholders to the plight of Malaysians earning below the minimum standard required for a decent living.

Based on United Nation Global Compact report; Over a billion working people worldwide -1/3 of all workers - are estimated to earn less than they need to afford a decent standard of living.

Despite Malaysia implementing of RM1,500 per month, this amount remains low compared to the actual cost of living.

Based on PICODI Malaysia Report,
Malaysia placed 59th out of 67 nations in terms of minimum wages.

In 2018 Bank Negara Malaysia (BNM) introduced the concept of a , which it defined as the minimum income needed for a household to participate in society and possess the opportunity for personal and family development, as well as freedom from severe financial stress.

At the same time, it should reflect needs, not wants. It does not capture the cost of lifestyle, which is the spending to fulfil the desires for an aspirational living standards.

It estimated the living wage to be RM2,700 for single adults in the capital, RM4,500 for couples without children, and RM6,500 for couples with two children.

And based on DOSM Report as March 2023, 35% (over 2.2 mil) of formal sector employees in Malaysia earned below RM2,000 a month and below
of RM2,208.

Thus, the majority of Malaysian families have a single breadwinner who may earn more than the minimum wage. But they do not earn what has been described as the minimum living wage.

All of us need a living wage in order to live. It’s right there in the word. And no job should be without dignity. Paying less than a living wage is exploitative, keeps people in poverty, makes them dependent on handouts and charity, makes them desperate.

In a nutshell, is still far behind other countries. Although it has been proven that the minimum wage has cushioned the wage inequality in the country, employees are still not compensated fairly for the work done considering that an analysis of the wage to productivity ratio by Bank Negara shows that Malaysian workers are being paid less than workers in benchmark economies.

Labour Day is a celebration for the social and economic achievements for the workforce. These achievements include establishing the 8-hour workday, which successfully implements in several countries in the 1800s

It is also a day to remind us that we’re still fighting for living wages and safe working conditions for all people.

As we reflect on Labour Day this year, let’s honor its origins and continue and continue the fight for workers’ rights.

30/03/2024

In Islam, there is a concept of "Hablum MinAllah wa hablum minannas" (Relation with God (Allah) & relation among human). The word "human" doesn't only apply among muslims but non-muslims.

Malaysia housed a multicultural society and Islam as its official religion with 57.8% of its population identify themselves as Muslims. The practice of moderation and respect for the followers of different faiths have always made Malaysia a model Muslim-majority country.

Nevertheless, in recent years, several occurrences of extreme and radical behaviours have appeared, affecting religion sentiments among Malaysians. Compared to its neighbours, Malaysia is a moderate and safe country.

Today, the dissemination of propaganda is assisted by the advancement of technology such as the internet and social network.

These verbal statements obviously portray the anger of some Malays towards people of different races and religion. Extremism, through the emotions, could be voiced either by using violence or non-violence; either way still hurts the basic rights of freedom and life.

For some fanatics have become too sensitive, especially when the matter is related to religion. The feeling that the religion needs to be protected extended to brought matter to their own hand.

The rhetoric of defending religion is widespread in the daily discourse in Malaysia, and this is encouraged by fanatics with the intention of shielding the religion.

Issues of racial and religious sensitivities must be resolved through negotiations and discussions. Anyone who resorts to inciting social and political instability despite the always-open doors of peaceful discussion clearly doesn’t want peace to begin with!

If we (the Malaysian society, particularly the Malays and Muslims) hold on to the true teachings and even basic (common sense) morality and ethics our society would not succumb to the fear-mongering.

Malaysia needs stability more than ever. Given the huge disparity and fractured society evident from the outcome of GE15, it is crucial that we resist the voices of discord. All Malaysians should adhere to the call of the Malay Rulers, and uphold the principles of Rukun Negara which forms the foundation of national unity in Malaysia.

As Muslims will celebrate Eid less the 10 days, We must emphasis on the concept of peaceful co-existence and cohesion, social respect and moderation should be introduced to the Malaysian community.

19/03/2024

:

Originally, primary school especially stardard 1 till 3 intention was to teach (Membaca, Mengira & Menulis)

About 5.65% of pupils who are in Primary 2 till 6, are still unable to master the basic literacy skills of reading, writing and counting according to recently.

With staggering 280,985 pupils (from Primary 1 to 6) still struggle with mastering the Bahasa Melayu subject.

Also 154,853 secondary school students (Form 1 to Form 5) have not mastered the 3M skills, bringing the total of students facing learning difficulties up to 435,838.

As such, it is not surprising that many of them fail to catch up with the national school syllabus and eventually drop out from school.

In addition, research by Taylor’s University School of Education has shown that children who aren’t able to read according to their respective grade levels (e.g., Primary 5 in the Malaysian context) are more likely to drop out of school as low proficiency in reading. As reading is basic/fundamental, such children can’t use their reading skills to excel in other subjects.

Malaysia needs to focus back on the basic literacy skills of reading, writing and counting (3M).

Not all students entering the first year of primary school are proficient in 3M. There are many students who actually still do not master 3M at the beginning of their schooling.

Understand that there are still many students who do not go to pre-school. There are students from poor families whose parents cannot afford to help their children study at home. There are also students who are faced with the issue of 'slowness/learning problems'. This is all necessary for an effective rehabilitation program.

That's why our education system has had special rehabilitation teachers for a long time to help students like this master 3M at the earliest level (at Primary 1)

The task of special rehabilitation teachers is very important to reduce the dropout rate. Special rehabilitation teachers have been trained and have skills in doing 3M learning interventions at the earliest stage.

With introduction of ( ) or in Malay " ( )" the ability to read and to comprehend the reading is generally considered thinking and involves “reading the lines” and “reading between the lines.” to solve the question.

The inability to cope with academic and learning pressure is a reason for children to withdraw from school. Students are weak in mastering the 3M components in the teaching and learning process. Students will feel inferior and cannot develop their potential. It has an impact on the formation of children's personality.

Therefore, we need to provide opportunities for children to reach their optimal potential through education. Actions to prevent educational dropouts need to be done comprehensively through empowerment, cooperation and commitment from all parties.

11/03/2024

, In Islam, there is a concept of "Hablum MinAllah wa hablum minannas" (Relation with God (Allah) & relation among human). The word "human" doesn't only apply among muslims but non-muslims. is to refrain self from temptations. To , Thank you for respecting us during the but we also respect your right to eat.

For the whole month we will somehow park our car at or for Malaysians can be pretty creative when it come to park our car due to we loathe walking, which partly comes from a combination of the hot tropical climate and laziness especially during Ramadan. Please park your car propertly as other road users might need to use the road.

Fasting is not an excuse for . In Malaysia, every year during the month of Ramadan, about 270,000 tonnes of food go straight into the dustbin. The true meaning of fasting is to experience hunger; to feel humility and compassion towards the poor. The holy month comes every year to remind us of the many people around the world who don't have enough food.

, & to all my muslim friends. May this month bring us closer to Allah. May Allah Subhanahu wa Ta'ala accept all our ibaadah and du'aas in this blessed month and always. Ameen.

29/02/2024

8% SST

Effective today 1 March 2024, the rate in Malaysia will be increased from 6% to 8% except on food and beverages and telecommunications services.

The scope of service tax will also be widened to include karaoke centre services, delivery services, brokerage and underwriting services, as well as logistics services.

It said it expected a MYR 3 bil increase in revenue from MYR16.6 bil via the 2% increase in SST. Broadening the tax base will bring in additional revenue but could dent domestic consumption in the short term.

Even it seem like only 2% increase from 6% to 8%. However the actual impact could be more than the 2 point increase, but it would also depend on the complexity of the supply chain.

Malaysian economy operates via an interconnected supply chain, the two percentage point tax increase as well as widened scope will affect other services, increasing the cost of production of goods and services that will ultimately be borne by consumers.

The sales or service tax is a single-stage tax. Being a final tax in nature, meaning that businesses do not get to claim a credit for incurring it, it creates a tax-on-tax effect along the supply chain. The effect is especially apparent in the service tax.

Even when dealing with non-taxable goods, businesses could have paid service tax on accounting, auditing or some other form of service, which will be a cost to the business.

Unable to claim any input tax, the business is likely to embed the service tax paid into its pricing. This essentially means the end-consumer is likely paying for the service tax incurred by the business — meaning higher prices — without realising it.

However, more often than not, consumers do not think about the sales or service tax they indirectly incur when purchasing goods from retail stores.

As the portion of the sales or service tax paid earlier on in the supply chain is not reflected in the receipt of the consumer’s purchase, it is invisible to the consumer — unless it is a service that the consumer directly incurs, such as having a meal at a restaurant, which attracts a 6% service tax.

The matter of fact; various aspects of people's daily lives will be affected by the increase in the SST rate without people aware.

But obviously, something must be taxed to balance government expenditure. However various other initiative can be considered to be implemented and not just by raising taxes which will have a direct impact on the socioeconomics of the people.

Diploma of Accountancy by Innovative University College

04/11/2024

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