THE PANDEMIC YEAR: A THUMBNAIL SKETCH FROM MALAYSIA

 by Howl Pillay

15 Jan 2021

First a confession...

I am addicted to History. For half a century and more. I see the world through its lens.

Spelt with an “H”, it is about us - race, religion, politics, war, peace,economics, sociology,

anthropology, archaeology, science and technology…. All that we know of ourselves. Thus far.   

Enter, COVID-19 in late January 2020 when ushering in the Year of the Rat, the first animal sign

of the Chinese zodiac. The legend is that the Rat outfoxed the Ox, hiding in its ear to be first to

show up at the behest of the Jade Emperor, beating the ox to the draw. Such trickery!

Wuhan? Ah! The combined cities of Wuchang and Hankou on the Yangtze.

The Wuchang Uprising of 1911? That led to the fall of the Ching? Yes, History. Slowly but surely

the virus turns fear into gloom. Pandemic! We don’t panic. Ignorance is bliss. Still time for

politicking.

Then the resignation, driven by hubris and lots of lansi, of that old race horse (pun intended).

More whispers. More rumours. A mad rush to the Palace. Not the Jade Emperor’s. Then like

the zodiac Rat, a new Gomen jumps out the sleeve of the previous one, claiming legitimacy.

There is much indignation all around. What! A backdoor Gomen? What has become of the will

of the people? The Sheraton movers and shakers have more tricks up their sleeves. Remember

the zodiac Rat? They cling to power on the coattails of Covid-19 even as we suspect the stats.

The Westminster model has turned Eastminster.“Oh, East is East and West is West, and never

the twain shall meet”. Shall appoint, may appoint, will appoint….go on debating but the

ironclad rule of the Eastminster model is: “Saya yang berkuasa”. I am in charge now. 

The months pass. The statistics are grim the world over. The mighty are on their knees - rich

countries, powerful leaders, whole industries. Billions of the poor suffer in a still prosperous

world. Wealth inequality comes home to roost. And sloth, laziness and wastefulness too.

Closer home, our politics turns rotten by the day, reminiscent of the bitter tussle to become

Sultan of Perak circa 1870. Roaming the length of our first tolled highway, the Perak River,

the claimants, and there were three then, rallied their geng for the bitter fight. Same. Same.

Months later after more shuffling, Saudara Anwar claims he has the Ace, the Chow Kai.

Negara-Ku Najib has the cash. Banyaknya! And Tun M is the Joker in the pack. Game over?

No lah! Like in the ending scene of Animal Farm, Abah Mu throws a King on the table. Kantoi! 

Meanwhile, the “Never waste a crisis” politicians of the world are running riot. But ours

are a class act, putting to shame the wily traders of the flea-ridden Kabul Camel Market.

By now the Pandemic has taken us by the collective scruff of our necks, its vice-like grip,

unrelenting.

The mosques go quiet, church bells fall silent and priests offer prayers in empty temples.

The faithful pray in their hearts while the atheists smile at the impotence of the Divine.

More shops and SMEs shutter up; the economy nose-dives. Debt piles up. Apa lagi Covid

mau?

The new Gomen empties the coffers to stay in power. Taxpayer’s money is handed out

to the rakyat jelata, now the personified MakCik Kiah, running a warong. What of the Achi

hawking Indian food from a gerai? Curry favour, she is told. The wanton mee lady?

In a hotpot surely.      

But there is not enough money to kill two birds with one stone and have enough left over

to line their own pockets and that of the geng. The rakyat jelata is now told by the quinoa

eating politician, “If you can’t eat nasi, eat your EPF”. Common man vs Conman, huh?

No points for guessing the winner. To save themselves the rakyat jelata must cannibalise

their future. Sama macam Gomen kita. You have a problem with that? It's not hard to do with

some practice: lift right leg, take aim and kick that bloody can down the road.

Susah ke bruder? 

By now the rakyat jelata should know that the ancient war cry of “Agama, Bangsa dan

Negara”, so beloved of our ruling politicians is merely a cover for the three Akus: Untuk

kroni Aku, Keluarga Aku dan Aku. The rakyat jelata are merely the screen for such

skullduggery.

Enough of Aku punya Gomen! Business as usual has no future. Like a giant spotlight,

the pandemic has exposed the good, bad and ugly. We have a front row view of History in

the making. The next act in the drama will take the stage shortly. Now it's intermission time. 

We wait with bated breath. Who will save us with a vaccine? There is time yet for a peek

at History. Yes, we have survived wars, famines, diseases and climate change. Long ago, we

even survived near-extinction by trekking out of Africa, reduced to a few thousand breeding

pairs. 

And we are heir to the same emotions experienced by that ragged band of early

humans - joy, sadness, avarice, envy, anger and all other thoughts and feelings too.

Like them, we too can smell a rat a mile away like when the Gomen called the deferment of

loans as aid. 

Stage and set have changed many times since those very early days but we kept faith with

the human spirit. Then enter ideology via politics and religion. Envy, fear and hatred of the

other is the new binding agent. Mind control is the new power tool. Down with Hammer and

Sickle!

But our sixth sense never fails to warn us that when others control our minds, they rule it;

that those who rule our minds, rule the world. Witness the endless ranks of suicide bombers

with their brainless minds. In the midst of the pandemic, bombs go off in the name of peace.

That tough trek out of Africa with its many twists, turns, and dead-ends, scattered us around

the globe. It shaped our very being. In faraway places, in forgotten time we came up with

language, art, literature and modes of thinking that were peculiar to a place and a people.

Our differences are many. Celebrate! The free human spirit is universal. Celebrate! Science

and technology belongs to all mankind. Celebrate! Different people can live together by

accepting, not subjugating the other. We are not nails to be hammered down for sticking out.  

The current world population is 7.8 billion. That’s a lot of people and a lot of differences.

We should not even try to make us all believe the same things and act and think the same

way. Sisyphus belongs to myth, not modern reality. Shame on those who preach otherwise.

Shame!

There is movement on the stage of History in the making. The vaccine-men are here

bringing the gifts of a free mind bent on saving bodies and not souls! We see five men on

the stage wearing lab coats. All of them scientists, holding vials not magic wands and amulets!  

The first of the five is Chinese. Surprised? Many are of the view Chinese citizens under the CCP

have closed minds. Wrong! Through the ages, highly bureaucratic dynastic rule kept a tight grip

on society. To survive and prosper individuals kept their minds open and sharp. 

There is not a place you cannot see them run a business or practise their craft. To succeed in

foreign places you must surely take the world as it is. Open-mindedness at its best! To say it

again, the Chinese under the CCP are an open minded people living in a closed society.

Next to him, a European. The product of the Age of Enlightenment; of centuries of fighting

to free his body and his soul from oppression by Kings, dictators and corrupt Gomens. A work

in progress but without a doubt open minded and living in a society kept open with Rule of Law.

To his left is an ugly American, holding a thick pile of papers, perhaps a contract. He looks

like the European, a product of Old Mother Europe. On the wild side and mercantile to the

extreme, he comes from an open society where open minds from the world over, flourish.

The Russian is unmistakable in this group. Taciturn and aloof his eyes shine with a sense

of self containment. Independence even. He is clutching a handful of vials in either hand

all proudly marked ‘Made in Rossiya” and stamped “For Internal Use Only”. Russia is forever!

In the midst of this group is an Indian, lean and wiry with eyes that yearn for engagement and

dialogue. And this will surprise many - the Indian lives in an open society but half of them have

closed-minds that endlessly hark back to a past they see as good and virtuous.

The paths of these five men have criss-crossed many times in seminars, symposiums, research

labs and universities. They share one thing in common - an unquenchable thirst for knowledge

and understanding. In their open minds  and their hearts the human spirit is alive and well.

And us? Will we ever share the stage with the other five gentlemen? The honest answer:

we missed the boat when al-Ghazali wrote "The Incoherence of the Philosophers" in the

eleventh century, rejecting in full Neoplatonic thought and Aristotelian philosophy.

Prior to this, the early luminaries of the Islamic world like al-Farabi and Ibn Sina were staunch

exponents of harmony between faith and philosophy; of reason and religion. Then al-Ghazali

brought it crashing down. But not without a fight. The flame still flickered, refusing to die.

Decades later, the polymath Ibn Rushd, Averroes to the Western world, wrote a direct refutation

of al-Ghazali, "The Incoherence of the Incoherence" to restore the old balance. Rejected in the

Islamic world, the book influenced thinkers in the West for centuries. 

Dreams for a proud and prosperous nation shattered, our lives have been reduced to that

ending passage in "The Great Gatsby": So we beat on, boats against the current, borne back

ceaselessly into the past.

SUSPICION!!! IS DR. NOOR HISHAM'S ARMS TWISTED BEHIND HIS BACK?

By; Toffee

 

I am honestly sorry to say this about a man I have the greatest admiration for, but of late I am becoming increasingly suspicious that he is indeed not free to to do his job the way he should. I would like to leave it at that for the time being.

Three times in early October I predicted that our rate of Covid 19 cases would rise to 1000 and beyond before the end of October and I was right, I said that would happen unless we had a full MCO like we did in response to the Tabligh cases initially from March, the Tabligh cases were not so alarming but we locked down, it cost us, but we paid the price and we did extremely well, we were almost at normal, then what normally happens, happened stupid politicians created this problem of multiple clusters created singularly by their folly which they do not accept to this day like they usually do after causing havoc for the rakyat.

Is he being intimidated or part of the game?

The Buck they say stops at the top and therefore Muhyddin has to take the rap for this and he can't run away from it.

Our failure in governance is because the people (psychopaths actually) we call political leaders do not take responsibility they are scared to say "it is  my fault" and instead pass the buck down the line or sideways.

Till today I wonder what made Dr. Noor Hashim allow returnees from Sabah after the state elections, when Sabah was so heavily infected to the extent political party officials who went to Sabah for short visits of  two to three days came back testing positive,  enter the country and go home without quarantine, to me that was a very careless decision to say the least. I really can't imagine what made him do that other then political pressure being weighed on him to bear.

 I have questioned it in my earlier articles where I predicted the 1000 cases and more a day before the end of October 2020. And for Noor Hashim to have allowed it reeks of some intervention from some higher ups to create this spike, it can't be anything else, this was a sure way of declaring an emergency and the good doctor must surely have known it, that allowing these people in without quarantine was a sure bet for multiple clusters, and that is what we got.

Now think, who wanted the emergency?

Do you really believe the doctor would have made such a careless decision of allowing returnees from a heavily infected state back without quarantine?  Hew would have known the consequences so why?

Then as I predicted before the end of October after we breached the 1000 mark.

At end October I have told those close to me  that the figure  will exceed 5000 cases a day if we do not have MCO a lock down as we had in the first instance now been that prediction is being rubbished by  the findings of the "Imperial College of London's MRC centre for Global Infectious Disease Analysis" they are predicting almost 7500 cases per day by December 8. My prediction of 5000 is 2500 cases short per day.

Now I know  we are really heading for that direction but wish to remain with my numbers in the hope the Imperial College's figures are wrong - a distant hope, I amsure the government knows this and that leads me to assume  with Muhyiddin the rationale is we can afford a few thousand deaths perhaps more all for the sake of his chair as Prime Minister of Malaysia. T

Those stakes to many of our politicians is not too high a price to pay

The politicians on all sides of the divide will not have it we can't afford it so they say, but they can afford billions and millions on useless unproductive projects as shown in our 2020 budget.

We have to draw a line or are we prepared to allow the people to die helplessly?

 THE LONGER WE TAKE TO DECLARE A FULL MCO THE MORE EXPENSIVE IT IS GOING TO BE, BUT BELIEVE ME WE WILL HAVE TO HAVE ONE SO CHOOSE NOW OR LATER WHEN THE COST AND THE PERIOD OF THE CLOSURE IS VERY MUCH HIGHER.

I warned in early October the longer we wait the more expensive it becomes, there is a break point after which it will not matter, and these idiots will only give up and run for cover then and believe me they will leave the country or live in sheltered Zones so that they are not affected and leave us to face hell.

Even if the Pfizer Vaccine is available we do not have the basic storage  and logistics facilities to handle it. the Vaccine has to be stored in temperatures at minus seventy (-70) degrees Celsius, even if we begin now it will take up till March 2022 when we are fully equipped to handle that vaccine on a large scale, so i the meantime be prepared, the politicians will get their dose and we wait.

Globally it has been revealed that the most people who die of Covid 19 are the people from the low income group, yes and among them the aged those above 60, the diabetics, the hypertension cases and people with other complications and we have so many of them around even Dr, Noor Hashim was reported on14 October as having said that a huge number of diabetics do not even know they have diabetes, that makes all our assumptions of the fatalities per hundred cases all wrong, and the potential for more deaths even higher.

The country needs to go into a total lock - down for at least 8 weeks and NOW to bring this scourge under check or we'll  go to worse than I predicted if the prediction of the Imperial College of England is to believed in our case, which is more than 7000 cases per day.  

Malaysiakini reports that, ; 

"The number of Covid-19 cases in Malaysia is expected to rise steadily over the next four weeks unless stronger interventions are introduced to curtail its spread, according to projections by Imperial College London’s MRC Centre for Global Infectious Disease Analysis."

"Its model estimated that the number of Covid-19 infections in Malaysia is projected to increase steadily to about 7,467 infections per day by Dec 8 if no new measures are introduced to curb its spread. It also projected there would be about 16 Covid-19 deaths per day." 

 Imperial college is recognised by Who as one of the foremost centres of Global infectious disease Analysis

                                         

 

A great number of Malaysians believe that the figures given by Dr.Noor Hisham are tweaked, there is this  very secretive approach to the cases in the Klang valley and its clusters, the areas are not identified. 

The Klang district is a huge district with the third largest Population in the country and yet when it comes to reporting on where the cases in Klang are it just says "Klang", many a  time even the word Klang is not mentioned, the same goes for Shah Alam and the rest of the Klang Valley, for goodness sake Klang is so much bigger than Melaka, it is the third most populated town in Malaysia, it is not a city for reasons best known the those concerned, but it is one of the largest towns with a population in the excess of 800,000 people so can we be a bit more precise?

Does this not indicate a case of undermining the Selangor state government who have been constantly asking for the localities to be able to institute better controls down the line?

Dr. Noor Hashim says the Ministry  is not revealing the areas as these may stigmatise the people form these areas,  and that seems to be the case only in Selangor but in the case of Melaka they could spell out the detailed location when they revealed "Infenion Technologies in Batu Berendam, "  and more localities, in fact they do it for all other areas. 

Isn't this a dangerous approach? 

So why this approach if it is not a way to undermine the concerned Selangor Government?

Should people not know the dangerous areas?

Why is it in other districts they are so location  specific but the case is not the same with Selangor and the Federal territories?

Why ? Why? Why?

ARE THERE  DELIBERATE ATTEMPTS TO UNDERMINE THE SELANGOR GOVERNMENT?

Is all these being done in a deliberate attempt to undermine the Selangor Government?

It is not only Covid, it is also water , there is a bigger hand in the Klang Valley Water pollution than meets the eye.

The cutting of water on Deepavalli in Klang was no mere coincidence it was to undermine the state Government as Klang has a one of the largest Indian populations in the country and the people are well aware of it.

The fury against the authorities who are trying to undermine this State Government will be let out in the ballot box.

There is talk of trying to force the state Government to buy water from a neighboring state under terms that are not acceptable to the people of Selangor represented by their elected representatives in the state government, oh yes, they know about it and the talk is all over if you haven't received the message you are out of the loop.

Selangor has enough water resources all they need is that it  be managed by the state not by Federal Government owned agencies, as long as they are managed as they always were in the past we'll not have cases of pollution except in cases of sabotage.

We have discovered that the pollution being caused recently is  highly suspicious and deliberate, and yet no real action has been taken thus far.

Then there is talk about other  deliberate attempts to pollute the water and make it untenable for drinking by creating massive and environmentally unfriendly projects along the rivers. 

Buying the water from the alternate supplier from the neighboring supplier,   has huge  long term benefits not for the Selanor populace but for highly placed  individuals from both states, and the benefits they say run in the billions per year and  the long term for these individuals which the ordinary Selangor folk will have to fork out of their own pockets  h to pay, but why should we, we might as well use a fraction of that to manage sour own resources.

On hind thought why fault Singapore for its water transactions with Johore when we are attempting worse things?

These are reasons we have to speak at the Ballot box,and louder thanthe last time we now know the rogues we should never give them the vote.

Judging from what is happening in Selanor it will be naive to shrug off these suspicions as many in Selangor are convinced this is the truth. 

HOW DOES THIS SABOTAGE AFFECT COVID 19 IN SELANGOR?

The people of Selangor in the face of all these happenings are rather fixated to a fact or an untruth that the numbers of the Covid 19 infections being read out daily are tweaked. 

My friends all over the country express the same opinion.

With so high numbers the good Dr, Hisham Noor says "we'll have it under control soon",  but  how can that be?

He seems to be talking nonsense, and why is the doctor talking nonsense?

There are new clusters springing up daily and the count is  increasing by the day the math gives a completely different picture, so what is the doctor really saying or up to?

We have little doubt in our minds that the good doctor will not do anything evil, but we do not trust his superiors, his superiors are known traitors, they will lie through their teeth, they are desperately trying to get an emergency proclaimed, and is this a tool for them?

Then on hindsight we have had cases of men who spoke so well only to unmask themselves and change their tune so be prepared.

We have a classic case of an outsider in parliament, strange things happen in Malaysian Politics, integrity is cheaper than a packet of Nasi Lemak it can be bought and sold.

Really nothing surprises they want that budget 2020 that will keep them in office they are hoping to get it  passed, how much money is exchanging hands right now God alone knows besides Muhyiddin,  they know if it is tabled it will not be approved the majority is against it, the only way out they see is to threaten us with the inability to pay the front liners and increase the Covid count and we feel the Doctor has his arms twisted behind his back.

 

 The Imperial College London’s MRC Centre for Global Infectious Disease Analysis." has given a prediction even more catostrophic than mine I stopped at 5000, they have taken it to clocse to 7500 daily.

 

 

 

 

 

 

BLACKMAIL? GOVERNENT USING FRONTLINERS TO FORCE THROUGH THE BUDGET 2020

 

 TO THIS PSEUDO FINANCE MINISTER, THE PM AND HIS CABINET I SAY GO FLY KITES.

WITH THE EXCEPTION OF ANWAR MALAYS FROM MALAY BASED PARTIES ARE ALL QUIET ON THE EXCESSIVE MALAY ALLOCATIONS IN THE BUDGET, FOR FEAR THAT THEY WILL LOSE THE MALAY VOTE. 

EXCESSIVE ALLOCATIONS FOR NON PRODUCTIVE REASONS, IF THIS BUDGET IS PASSED MOST CERTAINLY THIS GOVERNMENT WILL HAVE NO MONEY.

 

"The Government will not be able to carry out its commitments including paying salaries of civil servants and assistance for front liners in the war against Covid19 if the 2021 Budget is not approved by the Dewan Rakyat.".......Borneo Post

Anwar says Zafrul deflecting concerns of the majority  on Budget 2020 issues

                           

 If this statement has come from the Finance Minister let me say one thing most certainly that this finance Minister is the most stupid, ill informed and incompetent of finance ministers this country has ever had with the exception maybe  of Najib.

He and Najib would actually score a tie for their competence.

This government has presented a budget that actually farms out monies to the Malays with  hope of buying their votes in the next General Elections and that is what is going to make it run out of cash.

 

This fellow Zafrul Aziz has proven to be extremely clueless and is now in panic even resorting to outright  Blackmail to get this budget passed and takes no heed to Anwar's statement that emoluments for civil servants and expenditures for frontliners including medical and health equipment will not be affected by accepting proposals to improve budget.

 

THE PROPOSED BUDGET - A FRANTIC ATTEMPT TO BUY THE MALAY VOTE.

In an attempt to remain in power this seems to be the Government led by Muhyiddin's strategy - buy the Malay vote. 

A budget is presented to Parliament to be debated and to to be fine tuned or changed altogether to make it effective and beneficial to the country, not to make the Company  bankrupt by willful and wanton waste  of dishing money out to a specific racial group in the hope of winning their support, that is what this budget being presented by this incompetent idiots  is all about.

"Opposition bent backwards but Zafrul resorting to threats"

                    

They know it and every other party that sits in Parliament is aware of this, but many decide to remain silent because they are afraid that the Malays will see them as anti Malay.

This is the time for all Parties and not Anwar alone to come out and say what it really is it must echo like a chorus and all the Malays in the nation must know its implications not only to the country but even more more so to the Malay who has been the subject of the gravy train for so long, this will dry the gravy train and Muhyiddin will then print more money.

Who the hell is Zafrul Aziz, Muhyiddin had no business to bring him in as a finance minister leave alone a member of Parliament, members of Parliament are chosen by the people and not the prime Minister, he appoints from those we have chosen.

                                 The Islamic Budget prepared

Besides presenting a budget that benefits only the Malays he has also presented an Islamic Budget most probably at the prompting of PAS, let us be clear Malaysia is not an Islamic country it never was and it never will be, because our Constitution guarantees that. So why the huge allocation to a Ministry Muhyiddin set up for Islamic affairs to proselytise?

PILOT MUHYIDDIN DRIVING NATION TO DESTINATION - DISASTER

The country is being driven by a clueless pilot into disaster and the sooner we get rid of this government the better.

Hiding behind the mask to buy time

                                         

This budget really cannot be passed by Malays who really care for their nation, I think it is abundantly clear that we are rapidly losing ground in the world and among our closest neighbors and within the next 5 years we'll see ourselves on par with the Thai Bhat at the rate we are going.

It's a matter of time when we'll probably have to carry bags to store our money in and we may reintroduce the RM1000 bills, the 5000 bills and then even introduce a RM 50,000 bill to keep up with the Indonesians.

Do we really want that, are we to send our girls to work in other countries as maids? Are w going to be one of the most mismanaged countries int he world, yes that certainly seems to be the road we are on and unless the Malays wake up and stare reality in the face that is where we are headed.

The 95 year old vulture still looking for prey.

There is a 95 year old vulture who has not had enough still hanging on the corridors fo power as greedy as ever, and more power crazy then he ever was, prompting the country into disaster even further by trying again to nominate failures to the position of Prime Minister int he hope that his son will benefit from those appointments, but why?

 

Hovewring like a vulture -Old Turkey Buzzard

The only rationale argument would be is that all those stories about his massive accumulation of wealth through nepotism and cronyism that he has can over a period of time with his son on power be legitimised by what he knows to be true, "Melayu Cepat Lupa"  translated  "The Malays soon forget."

Now doesn't that explain another reason why Mahathir Mohammed is such a racist, why he is so concerned about his "Melayu" status, to the extent that he recently said, "there are only a few "spoon fulls of Indian Blood in me", to which, my Malay friend Aqilah retorted,  "ya but the rest is not Malay it must be Monkey for all you know, he should not  be insulting us by claiming to be a Malay."

Now this individual Mahathir Mohammed whatever he is says that Anwar is not capable of leading the country through troubled times, and on hind thought I think had he allowed Anwar not to bail out his sons and cronies in the 97 crisis we may have still been abreast  wtih the likes of Korea and Taiwan the remaining Tigers. Today under his guidance all the time we have become mice. All PM's after him were his choice, Abdullah Badawi, Najib Razak and even Muhyiddin so who is this man who has proven himself to be idiotic in succession planning and election to talk.

I have said over and over again that the government should not allow employees to dig into their retirement funds, the EPF in its current form is insufficient to for retirees to live on.

Life expectancy has increased, costs are spiraling, we are have one of the highest population growths in the world (thanks to Mahathir Mohammed and his 75 million policy) and while other nations are trying to control population growth here in Malaysia it has gone through the ceiling and the government seems to be completely blind to this fact.

Now the finance Minster has become Santa Claus and PAS is supporting Santa Claus, he is even trying to get EPF to dig in deeper and disperse money to the members. 

The mentality of these government officials is actually rampant.

I remember at one Management Seminar we had Tan Sri Gananalingam delivered a short Industrial Relations paper.

He talked about his employees and the loan problem, they'd take loans from loan sharks and get into trouble repaying it, so what he did was to create a revolving fund in the West Port. First he made sure he got all employees who borrowed from loan sharks pay off those debts, then they were eligible to take an interest free loan from the revolving fund I think it was RM7000 which they'd have to pay up over a period of time. Once it was paid up they could apply for the next loan.

I had thew same problem when I was the General Manager of non ferrous metal products manufacturing organisation, employees would come very often for loans and this was not only confined to the ordinary factory workers, it included Supervisors and Superintendents. there was always this attempt to try and secure a loan from the Company even though the Company had a very specific "NO Loan" policy. Sometimes it was given and sometimes it was not.

I then found out that Bank Rakyat gave loans to Malays employees at a very special rate as long as we could accommodate the deduction off such loans, we gave that assurance as long as the sum deduction was within statutory limits and the employment Act does spell out the quantum of monies an employer can deduct and Bingo the problem was solved.

The Bank required the person applying the loan to furnish a guarantor and that was easily found one employee would stand guarantee for another provided the same employee did the same for him but the Company had no responsibility to ensure the loan was fully settled, this was Bank Rakyat and I am of the opinion it was set up for the purpose, prior to that it was KUBB that offered the same thing with a special rate for Bumiputras.

Now with that mentality successfully created in the mindset of many Malays it has become habitual with many and that has made them dependent on hand outs and loans, the huge amount of defaulted loans for purchase of cars, study loans, and the dependence on the government for more has been created by successive governments  and have made the Malays dependent.

Many are in a comfortable position to repay their study loans but choose not to because they know they have the government by the throat, many really can't afford to repay, and that is because these successful governments have found it suitable to grant scholarships to even the rich and famous among the Malays.

That Bumiputra funds were squandered mainly by Bumiputra aristocrats is no big secret, it is in the open now and even then,  now with  divided Malay groupings  they are prepared to craft a Budget that will give PPBM the votes it requires for Muhyiddin to remain in power less UMNO or PAS take it away from him,  even if it means tweaking the budget that way regardless of the consequences.

Sit down and think again which Government policy really benefited the Malay, preferential treatment was given to the Malay from Independence and even then to this day the all successive governments say,  the  Malay has not progressed to the level of the other races.

Why because of the other races?

Who has been in power since independence the Chinese? 

Certainly not the Indians, no not DAP their members and MPs have visited the Pudu jail, then who if not Malay led governments in succession.

The Malays need to give this serious thought and not be hoodwinked with the kind of political rhetoric your politicians are so famous for, and do not allow them to politicize your religion either, you control everything in the country so how can minorities be a threat to your religion?

Take a look around you, Malays  buy houses which the non Malay subsidise by paying 7% more, they have Malay reserve land and if they could have sold it to the non Malay it would all have been sold by now to the non Malay and I'll probably be living in a bunglow  with ample land, but that is because the government has not allowed the Malay nor taught him to think rationally, they never allowed that, if they did they'd have developed their lands and become Millionaires today, no the politicians wanted that land the money and the power so the Malay was made dependent on him.

I bet if the Malays really in Kampung Baru hired a group pf professionals and decide to develop the area by themselves as a commercial enclave free of government interference and allow them to sell it in the open market they'd get a more meaningful deal that will really enrich  them, and that such a development must be allowed without any hindrance because we know how government machinery can be used to stifle a project.

A careful look at the NEP will reveal that it was sidetracked not for Malay progress but to retard the Malay, that change in policy came about with Mahatherism, ignorant people will  not know when they are being taken for a ride and so he made sure that is what the NEP did, so is it really s shocking to know that regardless of what Najib did there are Malays who still support him?

And it is not shocking to know why so many Malay based parties who can see through this evil budget and the subsequent disaster it will bring dare not object to it openly only because they are afraid of being branded anti Malay, only PKR and Anwar dares question it.

So Mahathir Mohammed your days are numbered go peacefully and quietly because this nation may never mourn your loss.