chuisan

Woo…it would be a great news for me, coz i would save around few thousands ringgit on the so called admin cost ( i would rather call it interest).Well, if the new interest is to be applied on the current formula, and the term ‘flat rate’ means the ‘kadar purata’ payment based on the loan balanced,then it will really benefit us.But if the interest calculation based on the lump sum amount for the whole repayment tenure,i think the interest accumulated from the new calculation might end up same with the old interest incurred on us (maybe the only benefit is for those who nvr pay back the loan).Let see the announcement by PTPTN at the end of year.

Just google for the PTPTN new calculation,then i come across this forum,http://www.shukur.org/v4/component/option,com_smf/Itemid,105/topic,18761.msg53277/

Now i juz realize why most of the ppl from tat group are not willing to pay back the loan, and how unsatisfied they are towards the admin cost charge by PTPTN. Try to follow this ajaran Islam.

"Sekiranya kos pentadbiran itu bukanlah berbentuk riba, ia tidak menjadi apa- apa masalah. Tetapi kalaulah jelas ia adalah riba, walaupun ia hanyalah empat peratus dan kini telah diturunkan menjadi tiga peratus, ia bukan sahaja bertentangan dengan ajaran Islam, tetapi membawa kepada implikasi yang cukup membimbangkan." ……

"Tetapi apakah kos pentadbiran itu riba sebenarnya?

Ada tiga syarat yang menjadikan sesuatu pinjaman itu berbentuk riba. Pertama, wujudnya lebihan daripada jumlah pokok pinjaman; kedua, penentuan lebihan ini berkaitan dengan tempoh masa; dan ketiga, persetujuan terhadap syarat lebihan ditentukan terlebih dahulu oleh pemberi pinjaman.

Kaedah perkiraan kos pentadbiran yang dikenakan oleh PTPTN nampaknya memenuhi ketiga-tiga syarat ini. Pertama, tiga peratus kos pentadbiran itu merupakan lebihan daripada jumlah pokok pinjaman. Kedua, ia melibatkan satu tempoh masa. Dan ketiga, pemberi pinjaman, iaitu PTPTNlah yang menentukan lebihan tersebut."

According to the above said, we should not pay for the interest since it breaches the Islamic teaching.Phew! then i wonder, what will the PTPTN staff get for their salary? Does PTPTN distribute the loan according to Islamic rule? Maybe it is the reason PTPTN makes it clear as admin cost instead of interest? Will all the borrowers pay back faster if PTPTN admin cost has been abrogated? ( My mom always ask me, since the interest 3% only, then you juz put ur saving to FD to earn 0.7% more, no need to pay first.:P)

"lagi teruk drpd bank. personal loan pon tak seteruk tu. aku dah calculate…" — I wonder why he still want to get from PTPTN if the bank offer better rate. Supposingly he din do a good survey on the loan.Padan muka.

Dear PTPTN,
Thanks for approving my loan.Without you, i can’t survive in MMU for 4 yrs. During the time i signed the loan agreement, the admin cost was 4% pa. Then it reduced to 3% pa after i made my first payment.And now, i m really glad to hear that it has been reduced to 1% start from June 08 . I think i would have saved for the admin cost around 4-5k when i settle my loan.

Well, for the past 3 yrs, i was really tension becoz of the high (for me ) admin charge, i forced myself to pay back every cents i got (only left 1 ringgit, becoz the account balance cannot be 0)…….wah….suffering….no entertainment,no shopping,no facial….really a dull life…

Now,really thanks for your effort to decrease the charge, so that i can start enjoy my life now..hahaha….i am going to pay back slowly….(so, after the implementation of new charge, i think most ppl will keep delaying in payment.Of course if i got bank loan, i will settle my bank loan first,rather than the loan with only 1% charge)

Thank you.

Regard,
CCS

最近看了一些文章，遇到一些事情，都是好人好事。从中也学习到，其实心态可以将坏事转变成好事。

有一个家庭，他们的孩子一出世就患上先天性脑伤残，凭着医生一句话，“你们很幸运，上天在万个宝宝中，选中了她，让你们拥有她。”如果我是母亲，我第一个想法是我到底造了什么孽，为什么孩子会这样？这医生是在嘲笑我，说风凉话吗？以后孩子的生活会是怎样？

可是，这孩子的父母，选择接受了现实，继续爱她。因为学习迟缓，妈妈说，教十次不会就教万次。这是需要多少的耐心和毅力。医生说孩子的脑（不知哪部分）还微存着活细胞，或许在悉心照顾下，能开发她的潜能。所以，父母都很用心的陪着孩子成长，从没放弃治疗。从孩子说话咬字不清，一直到能字正腔圆的说话，并且还能驻台唱歌，变成了孩子的事业，这好比铁树开花。这与其说是奇迹，倒不如说是修成正果；没有努力和付出，哪会有奇迹？

孩子成长过程中，不是没有嘲笑、没有被歧视的眼光。可是当欺负她的人被老师处罚时，她会为他们难过心疼，有一次还握住那个欺负她的男孩的手，问他是不是被老师打疼了。如果换作是小时候的我，肯定拍手称快。

人家问她：“别人歧视你、嘲笑你，你知道吗？难过吗？”她就说知道，可是她不难过，因为她没感觉。懂得替别人难过、心疼别人，可是对于别人如何对待自己却无动于衷，这能用“没感觉”来概括吗？我第一个联想到的形象是天使：真。善。美。上天给了她一些缺陷，也给了她最美最善良的心，让她从容地面对自己的缺陷。

人家问妈妈：“你不担心她以后不能正常的谈恋爱、结婚生子？”妈妈说，她自己才是她人生真正
主角，只要她能好好活出自己，其他的一切只不过是配角。

爸爸妈妈的坚毅，孩子的赤子之心；天使即使折了翅膀，她的真善美，仍能带给人们平和、感动。

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马六甲人情味浓

上两星期，都是东西马两边奔波。我妈骂我屁股痒。第一星期在吉隆坡天后宫演出大戏，第二星期就下到马六甲。在马六甲那里最折磨，第一晚的演出，我就饿到。。。。。。。胃痛了整个小时，只能弓着身体，说话都哽咽着。可是，每个人都很照顾我。有人特地到咖啡室打包热美禄给我喝–谢谢展易。还有厚雄，谢谢你的胃药。

第二天，安娣们都被我第一晚的衰样吓倒，一到吃饭时间就逼着我吃饭，我不去，就端菜给我，害我发窘，真得谢谢您们了。第二晚表演完后，已接近半夜了。接下去，凌晨四点多就要上机场了
。金凤的妈妈知道我要上机场，特地给我一瓶水，怕我在机场口渴。真的。。。。。。谢谢大家的一直照顾和关心。每次回到马六甲，都像回到家一样。很自在，但却很累。都是老师的错，每次都抱佛脚。

四点半上机场，是kahyung做司机。难为他了，要一个那么爱睡觉的人做司机，似乎残忍了一点。整车的人，几乎没有一个是思绪清醒的，每个都累得要死。可是，他们都坚持把我送到机场。也还好他们都平安回到马六甲，不然我会内疚的。

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看了好文章，遇到了好人好事，心情也挺愉快的。藉着这些好人好事，反省自己日常待人处事,有时真的不必那么执著于得与失，在意别人怎么看我。自我意识太强，很多东西就会被忽略了：看到的都关于我的利益，我的得失。。。。。。

我我。。。。。。手+戈，手执短剑，充满防卫之心;虽然“放下屠刀，立地成佛”自有它的典故，但是我更觉得放下我见，方能立地成佛。善哉善哉。