Dobrze przemyslane kasyno online daje wieksza kontrole i pozwala skupic sie na rozrywce. Jako przyklad do porownania moze posluzyc visa kasyno online, ktory najlepiej ocenic pod katem licencji, platnosci i realnych opinii. Przejrzyste zasady wyplat i jasne limity to jeden z najlepszych dowodow uczciwosci kasyna. Wsparcie klienta warto sprawdzic zadajac konkretne pytanie i mierzac czas oraz jakosc odpowiedzi. Narzedzia takie jak samowykluczenie swiadcza o dojrzalym podejsciu operatora do gracza. Spojne i proste opcje pozwalaja szybko znalezc gre, promocje lub zasady wyplat. Jakosc serwisu poznaje sie po dostawcach oprogramowania, bo renomowani producenci dbaja o jakosc. Kasyno na zywo zyskuje popularnosc dzieki realnym krupierom. Darmowe spiny dodaja atrakcyjnosci, ale kluczowy bywa limit wygranej oraz gry, w ktorych mozna je wykorzystac. Dobrze zaprojektowany interfejs ulatwia nawigacje, zwlaszcza na mniejszym ekranie. W Polsce duze znaczenie ma wsparcie dla platnosci BLIK, dzieki czemu wplaty nie wymagaja przepisywania danych. Wazna kwestia jest zabezpieczenie danych, ktore powinno byc standardem u kazdego rzetelnego operatora. Rozsadny gracz zestawia nie sama wielkosc bonusu, lecz jego realne warunki. Weryfikacja tozsamosci bywa wymagana przed pierwsza wyplata, wiec nie nalezy sie tym zaskakiwac. Kasyno na zywo cieszy sie uznaniem dzieki atmosferze prawdziwego stolu. Odpowiedzialna gra powinna byc priorytetem, a limity wplat i czasu pomagaja zachowac kontrole. Bonusy wygladaja atrakcyjnie, jednak ich wartosc okresla warunek obrotu, ktory nalezy przeanalizowac przed rejestracja. Przejrzysta polityka odpowiedzialnej gry to sygnal, ze operator dziala uczciwie. Kluczowa kwestia jest szyfrowanie polaczenia, ktore powinno byc regula u kazdego rzetelnego operatora. Warto pamietac, ze to zabawa, a nie sposob na zarabianie. Dobrze zaprojektowany interfejs ogranicza frustracje, zwlaszcza na mniejszym ekranie. Automaty maja rozny charakter pod wzgledem zwrotu RTP i zmiennosci, dlatego warto je porownac. W Polsce istotna role ma wsparcie dla platnosci BLIK, dzieki czemu wplaty sa natychmiastowe. W Polsce istotna role ma natychmiastowy przelew mobilny, dzieki czemu wplaty nie wymagaja przepisywania danych. Metody platnosci powinny byc wygodne, a czas wyplaty to jeden z najwazniejszych parametrow. Przejrzysta polityka prywatnosci to sygnal, ze operator traktuje gracza powaznie. Rzetelna obsluga nie zbywa gracza, a nie odsyla do niekonczacych sie formularzy. Czytelna strona, prosta nawigacja i brak nachalnych reklam znaczaco poprawiaja komfort korzystania z serwisu. Jesli serwis nie zawiesza sie na smartfonie, gra staje sie znacznie przyjemniejsza. Na koniec warto zapamietac, ze spokojna, swiadoma decyzja chroni gracza bardziej niz pospiech. Nájdenie spoľahlivého online kasína potrebuje trpezlivosť, pretože pravidlá určujú konečný výber; je dôležité zachovať si rozvahu počas výberu dôsledne. Užitočný východiskový bod je najčastejšie online casino sms vklad, ak posudzuješ fakty rozvážne, bez toho aby si riešil len grafiku bez hlbšej analýzy. Live herná sekcia láka hráčov vďaka skutočným krupiérom, a rýchlosť spojenia ovplyvňuje celkovú atmosféru zásadne v každom kole. Kvalitná zákaznícka podpora rozhoduje, predovšetkým vtedy ak vzniknú otázky, a teda preto stála zákaznícka podpora pomáha vždy, keď treba rýchlo. Výplata výhier najzreteľnejšie odhalí férovosť kasína, a tak priaznivé výberové pravidlá vzbudzujú dôveru dlhodobo dôsledne. Bezpečné hranie by malo byť na prvom mieste, preto obmedzenia pre vklady vytvárajú zdravé hracie návyky pravidelne efektívne. Skutočná licencia je zvyčajne prvá vec, ktorú treba overiť, pretože preukazuje dohľad regulátora, čo poskytuje pocit bezpečia od prvého momentu; toto treba overiť v prvom rade. Vkladový bonus láka, ale skutočná hodnota ukáže sa v podmienkach bonusu, a preto je dobré ich dôsledne overiť pred vkladom. Platobné metódy by mali byť pohodlné, a rýchlosť transakcií zvyčajne naznačuje spôsob prevádzky, čoho je dobré venovať pozornosť pred vkladom. Kasíno zvyčajne ponúka rozsiahlu hernú ponuku, od jackpot hier až po blackjack, vďaka čomu osloví rôzne typy hráčov trvalo systematicky. Sekcia live hier priťahuje hráčov vďaka živému prenosu, a plynulosť obrazu utvára herný dojem zásadne počas celej relácie. Efektívna zákaznícka podpora rozhoduje, najmä vtedy keď nastanú nejasnosti, a preto non-stop podpora uľahčuje situáciu vždy, keď treba spoľahlivo. Výplata výhier najlepšie ukazuje dôveryhodnosť značky, a preto transparentné pravidlá výberov sú znakom kvality dlhodobo pravidelne. Zodpovedné hranie by malo byť prioritou, a tak herné limity napomáhajú zdravé hranie pravidelne spoľahlivo. Riadna licencia je spravidla prvá vec, ktorú treba overiť, pretože zaručuje jasné pravidlá, čo zaručuje pokoj v duši pred prvým vkladom; toto treba overiť predovšetkým. Registračný bonus vyzerá lákavo, ale skutočná hodnota nájde sa v podmienkach výberu, preto oplatí sa ich dôsledne overiť pred hraním. Možnosti platby by mali byť pohodlné, a rýchlosť výplaty väčšinou prezrádza prístup operátora, čomu všetkému je dobré venovať pozornosť pri výbere kasína. Kasíno spravidla ponúka rozsiahlu hernú ponuku, od tradičných výherných automatov až po poker, čo poteší každého hráča trvalo dôsledne. Live herná sekcia priťahuje hráčov vďaka reálnym krupiérom, a rýchlosť spojenia formuje zážitok z relácie zásadne nepretržite. Na záver odôvodnené rozhodnutie spočíva na konkrétnych faktoch a dátach; skúmaj dôkladne, ujasni si herné podmienky a zachovaj si kontrolu vo všetkých situáciách. يستحق الانتباه عادة لعبة الروليت باشر، شريطة أن تقيّ الأر بهدوء، بدلا ن تصديق الإعلان، ودون عجلة. وسائل الإيداع ينبغي أن تكون رنة، وإيقاع العالات كقاعدة تقول الكثير عن الكازينو، وهو ا يستحق التحقق. تشكيلة الألعاب تبدو غالبا تنوعة، ن السلوتس الشهيرة إلى البوكر، ا يتيح خيارا حقيقيا كل يو. قس البث الباشر يترك انطباعا بفضل طاولات حقيقية، وسلاسة الصورة تصنع الأجواء طوال الجلسة. خدة العلاء الجيدة يبني الثقة، خصوصا عندا تلز ساعدة، لذا التواصل الدائ ينبغي أن تتوفر طوال الوقت. صرف الأرباح تكشف الحقيقة عن صداقية العلاة، لذا القواعد الشفافة تبني الثقة على الدى الطويل. القارة الآنة يه دائا، لذا يزانية واضحة باسترار تحي اللاعب كل يو. الترخيص الساري هو عادة العنصر الأساسي للأان، لأنه يضن قواعد واضحة، وهو ا يسهل التحقق نه نذ البداية. الكافآت تبدو غرية، لكن ربحها الحقيقي ينبع ن اللوائح، لذا يجدر حسابها دون عجلة. طرق الدفع ينبغي أن تكون ريحة، وزن العالجة في الغالب تقول الكثير عن الكازينو، وهو ا ينبغي الانتباه له. تشكيلة الألعاب تكون عادة واسعة، ن ألعاب الجاكبوت إلى الباكارات، ا يتيح خيارا حقيقيا على الدى الطويل. الكازينو الباشر يجذب اللاعبين بفضل أجواء أصيلة، ونطاق الرهانات تصنع الأجواء في كل جولة. الدع التعاون يصنع الفرق، خصوصا عندا يحتاج شيء لتوضيح، لذا التوضيحات الواضحة ينبغي أن تتوفر عند الحاجة. عليات السحب تظهر بأفضل صورة جودة الخدة، لذا العالجة السريعة تبني الثقة ع الوقت. اللعب السؤول ينبغي أن يكون أولوية، لذا خيار الاستبعاد الذاتي بوضوح تحي اللاعب يويا. الترخيص الصحيح هو في الغالب الإشارة الأساسية للثقة، لأنه يثبت الشرعية، وهو ا يسهل التحقق نه قبل الإيداع. عروض الترحيب تترك انطباعا، لكن فائدتها الفعلية يكن في الشروط، لذا يجدر حسابها بعناية. التحويلات التاحة ينبغي أن تكون رنة، وسرعة الدفوعات عادة تقول الكثير عن الكازينو، وهو ا يسهل إغفاله. تنوع الترفيه تتضح أنها تنوعة، ن سلوتس الفيديو إلى البلاك جاك، ا يتيح خيارا حقيقيا دون لل. اللعب ع وزع يترك انطباعا بفضل البث الباشر، وعدد الطاولات تصنع الأجواء طوال الأسية. الساعدة السريعة يبني الثقة، خصوصا عندا تطرأ شكلة، لذا الردود السريعة ينبغي أن تتوفر في أي ساعة. عالجة السحوبات تكشف الحقيقة عن نهج الشغل، لذا الشروط العقولة تبني الثقة كل يو. النهج التزن يه دائا، لذا تنبيهات الوقت حقا تحي اللاعب على الدى الطويل. الترخيص الحديث هو عادة أول ا يجب التحقق نه، لأنه يؤكد الإشراف، وهو ا يسهل التحقق نه قبل أن تلعب. باختصار القرار الجيد يقو على الحقائق، لذا قارن بعقل بارد، اقرأ القواعد بعناية والعب بسؤولية. Em geral, Uma opção interessante pode ser cassinos sem licença brasileira, desde que analise as condições disponíveis, em vez de se ater somente às promoções do cassino. A oferta de jogos tende a ser amplo e variado, incluindo desde caça-níqueis tradicionais até jogos ao vivo, isso contempla diferentes perfis de jogadores. Os jogos com dealer ao vivo conquista usuários graças aos crupiês profissionais, sendo que a qualidade do stream influencia a imersão do jogador consideravelmente a cada rodada. O atendimento é fundamental, principalmente quando surgem dúvidas, portanto uma resposta rápida deve estar disponível sempre que necessário, proporcionando uma jogada confortável em qualquer situação. O processamento de retiradas revela a qualidade do serviço, portanto termos claros de pagamento indicam qualidade de forma consistente para o jogador. A aposta consciente deve ser o foco principal, portanto limites de depósito de fato promovem hábitos saudáveis com resultados positivos no longo prazo. A certificação costuma ser o principal critério de segurança, pois assegura regras claras, o que deve ser verificado antes do primeiro depósito, preferencialmente com atenção. Os incentivos parecem generosos, porém seu valor real esconde-se nos detalhes, por isso é importante analisar as condições detalhadamente sem pressa. As opções de transação são idealmente práticos e seguros, e a velocidade das transações geralmente reflete o padrão operacional, detalhe que vale verificar antes de se cadastrar. A oferta de jogos é normalmente amplo e variado, desde jogos de máquina até jogos ao vivo, algo que satisfaz todo tipo de usuário. Os jogos com dealer ao vivo cativa o público graças aos dealers reais, pois a qualidade do stream influencia o prazer da sessão de maneira decisiva em cada partida. A assistência ao usuário é fundamental, sobretudo quando surgem dúvidas, por isso um atendimento eficiente deve estar disponível sempre que necessário, assegurando o suporte adequado a todo momento. A agilidade dos pagamentos revela a seriedade da plataforma, então termos claros de pagamento transmitem segurança no dia a dia para o usuário. O entretenimento controlado deve ser uma prioridade, então limites de depósito de fato ajudam a manter o controle de forma consistente na rotina de apostas. A licença é o principal critério de segurança, pois confirma a fiscalização, o que deve ser verificado antes do cadastro, de preferência sem pressa. Dito isso, Em resumo uma seleção acertada vem de análise, portanto avalie com cuidado, cheque as informações do site e jogue com responsabilidade. Selecting a reliable online casino demands clear thinking, because the details make the difference much more bright banners. Importantly, Note that For a useful starting point, new players often look at pay by mobile casino not on gamstop, provided they check the licence closely. In addition, Payouts expose the real nature behind a casino, so clear limits and quick processing build confidence. In addition, Sensible gaming must remain a priority, so reality checks and clear budgets truly protect the user. Also, A genuine licence is the first thing to confirm, because it shows that the platform respects clear requirements. Also, Welcome offers look tempting, yet their actual benefit depends on the playthrough conditions, which reward a calm review. Banking methods need to be convenient, and the cash-out period is often one of the clearest marks of a serious site. Also, The range of titles tends to be generous, from classic slots to baccarat, offering fans plenty of options. Also, Live dealer play appeals to fans with real dealers, and the betting limits define the entire session. Also, A responsive help desk makes the tone when problems show up, particularly if clear answers are easy to reach. Also, Payouts reveal the honest side of a casino, so reasonable checks and prompt handling inspire loyalty. Also, Sensible gaming should stay in focus, so deposit limits and calm habits really support the account holder. Moreover, Besides, A genuine licence is the first thing to check, because it shows that the platform follows clear rules. Moreover, Besides, Welcome offers look tempting, yet their real value depends on the playthrough conditions, which deserve a calm read. Besides, Deposit choices need to be convenient, and the withdrawal speed is often one of the clearest signs of a serious casino. Moreover, Besides, The range of titles tends to be broad, from classic slots to baccarat, giving fans genuine variety. Moreover, Besides, Live dealer play appeals to players with real dealers, and the betting limits shape the entire experience. Moreover, Besides, A responsive help desk makes the difference when problems show up, especially if clear answers are available. Moreover, Besides, Payouts reveal the true character of a casino, so reasonable checks and quick processing inspire trust. To summarize, At the end of the day, In the end, a careful choice comes from facts, so take your time, verify details and set clear limits. Importantly, Note that To get a practical reference, many readers often look at best muchbetter casino, as long as they check the licence carefully. Moreover, Besides, Helpful support sets the difference whenever questions arise, above all if quick replies are on hand. Moreover, Besides, Withdrawals show the true character behind a casino, so clear limits and steady speed earn confidence. Moreover, Besides, Responsible play has to stay central, so reality checks and clear budgets always safeguard the user. Moreover, Furthermore, A valid licence is the key thing to verify, because it proves that the operator respects strict requirements. Moreover, Furthermore, Bonuses catch the eye, yet their true worth rests on the wagering terms, which reward a close review. Besides, Payment options should be secure, and the payout time is usually one of the most telling marks of a fair site. Moreover, Furthermore, The game library is usually wide, from video slots to roulette, offering players plenty of options. Moreover, Furthermore, A live casino draws in users with real-time streams, and the stream quality define the whole session. Moreover, Furthermore, Helpful support marks the standard whenever questions arise, particularly if live chat are easy to reach. Moreover, Furthermore, Withdrawals expose the real nature behind a casino, so clear limits and prompt handling build loyalty. Moreover, Furthermore, Responsible play must remain a priority, so reality checks and clear budgets really protect the account holder. Moreover, A valid licence is the first thing to confirm, because it proves that the operator follows strict rules. Moreover, Bonuses look tempting, yet their actual benefit rests on the wagering terms, which deserve a close read. In addition, Banking methods should be convenient, and the cash-out period is usually one of the most telling signs of a fair casino. Moreover, The game library tends to be generous, from video slots to roulette, giving players genuine variety. Moreover, A live casino appeals to fans with real-time streams, and the stream quality shape the whole experience. Moreover, Helpful support makes the tone whenever questions arise, especially if live chat are available. Moreover, Withdrawals reveal the honest side behind a casino, so clear limits and quick processing build trust. To summarize, At the end of the day, All in all, a thoughtful decision rests on facts, so stay patient, verify details and keep control. In fact, Overall, Selecting a trustworthy online casino demands careful thought, because the conditions make the difference much more flashy design. Importantly, Keep in mind that To get a solid reference, most users often look at best low wagering casino bonus, assuming they check the licence calmly. Moreover, In addition, A responsive help desk marks the difference whenever problems show up, particularly if live chat are easy to reach. Moreover, In addition, Payouts expose the true character behind a casino, so reasonable checks and prompt handling build loyalty. Moreover, In addition, Sensible gaming must remain central, so reality checks and calm habits really protect the account holder. Moreover, Also, A genuine licence is the first thing to verify, because it proves that the platform follows strict rules. Moreover, Also, Welcome offers look tempting, yet their true worth rests on the playthrough conditions, which deserve a close read. In addition, Deposit choices need to be convenient, and the payout time is usually one of the clearest signs of a fair casino. Moreover, Also, The range of titles tends to be wide, from video slots to baccarat, giving players genuine variety. Moreover, Also, Live dealer play appeals to users with real-time streams, and the betting limits shape the whole experience. Moreover, Also, A responsive help desk makes the standard whenever problems show up, especially if live chat are available. Moreover, Also, Payouts reveal the real nature behind a casino, so reasonable checks and quick processing build trust. Moreover, Also, Sensible gaming should stay a priority, so reality checks and calm habits truly protect the player. Further, Besides, A proper licence is the essential thing to confirm, because it proves that the casino respects clear standards. Further, Besides, Promotions draw attention, yet their actual benefit rests on the rollover rules, which reward a calm look. In addition, Payment options ought to be flexible, and the cash-out period is usually one of the most useful marks of a serious brand. Further, Besides, The selection is generally generous, from video slots to blackjack, offering fans real choice. Further, Besides, A live lobby attracts fans with real-time streams, and the table range define the entire atmosphere. To summarize, When all is said and done, All in all, a sensible decision depends on facts, so compare calmly, verify details and play responsibly. Importantly, It is worth knowing that As a useful comparison, new players usually look at independent casinos uk, provided they read the terms closely. In addition, Deposit choices should be flexible, and the payout time is frequently one of the most telling marks of a serious brand. Moreover, Also, The game library is generally wide, from jackpot games to roulette, offering fans real choice. Moreover, Also, A live casino attracts users with an authentic table, and the stream quality define the entire atmosphere. Moreover, Also, Helpful support sets the standard once questions arise, particularly if clear answers are on hand. Moreover, Also, Withdrawals show the real nature within a casino, so clear limits and prompt handling inspire confidence. Moreover, Also, Responsible play has to stay a priority, so self-exclusion and clear budgets really support the user. Further, Besides, A valid licence is the key thing to confirm, because it signals that the operator follows firm requirements. Further, Besides, Bonuses catch the eye, yet their actual benefit hinges on the wagering terms, which deserve a careful review. In addition, Payment options should be secure, and the cash-out period is frequently one of the most telling signs of a honest site. Further, Besides, The game library is usually generous, from jackpot games to roulette, giving users plenty of options. Further, Besides, A live casino draws in fans with an authentic table, and the stream quality shape the overall session. Further, Besides, Helpful support marks the tone once questions arise, especially if quick replies are easy to reach. Further, Besides, Withdrawals expose the honest side within a casino, so clear limits and quick processing earn loyalty. Further, Besides, Responsible play must remain in focus, so self-exclusion and clear budgets truly safeguard the account holder. Further, Furthermore, A valid licence is the key thing to check, because it proves that the platform meets firm rules. Further, Furthermore, Bonuses catch the eye, yet their real value rests on the playthrough conditions, which repay a careful read. Furthermore, Banking methods should be secure, and the withdrawal speed is usually one of the clearest indicators of a honest casino. Further, Furthermore, The game library is usually broad, from video slots to baccarat, bringing users genuine variety. To summarize, When it comes down to it, Ultimately, a careful selection comes from evidence, so take your time, read closely and set clear limits. It is worth knowing that For a practical reference, many readers usually look at mummys gold sister casinos, provided they read the terms closely. Moreover, Besides, Withdrawals show the honest side within a casino, so clear limits and prompt handling earn trust. Moreover, Besides, Responsible play has to stay in focus, so self-exclusion and clear budgets really safeguard the player. Moreover, Furthermore, A valid licence is the essential thing to check, because it signals that the operator follows strict standards. Moreover, Furthermore, Bonuses draw attention, yet their real value hinges on the wagering terms, which deserve a close look. Besides, Payment options should be flexible, and the withdrawal speed is frequently one of the most telling signs of a fair brand. Moreover, Furthermore, The game library is generally broad, from jackpot games to roulette, giving players real choice. Moreover, Furthermore, A live casino attracts players with an authentic table, and the stream quality shape the whole atmosphere. Moreover, Furthermore, Helpful support sets the difference once questions arise, especially if live chat are on hand. Moreover, Furthermore, Withdrawals show the true character within a casino, so clear limits and quick processing build confidence. Moreover, Furthermore, Responsible play has to stay central, so self-exclusion and clear budgets truly protect the user. Moreover, A valid licence is the key thing to verify, because it proves that the platform respects clear requirements. Moreover, Bonuses catch the eye, yet their true worth rests on the playthrough conditions, which reward a calm review. In addition, Banking methods should be secure, and the payout time is usually one of the clearest marks of a serious site. Moreover, The game library is usually wide, from video slots to baccarat, offering fans plenty of options. Moreover, A live casino draws in users with real-time streams, and the betting limits define the entire session. Moreover, Helpful support marks the standard whenever problems show up, particularly if clear answers are easy to reach. Moreover, Withdrawals expose the real nature behind a casino, so reasonable checks and prompt handling inspire loyalty. Moreover, Responsible play must remain a priority, so reality checks and calm habits really support the account holder. When it comes down to it, In the end, a thoughtful decision rests on evidence, so take your time, read closely and set clear limits. In fact, Overall, Choosing a trustworthy online casino requires careful thought, because the conditions make the difference well beyond flashy design. It is worth knowing that To get a useful reference, most users often look at pelican casino sister sites, provided they check the licence carefully. Moreover, A valid licence is the key thing to confirm, because it proves that the casino respects strict standards. Moreover, Bonuses catch the eye, yet their actual benefit rests on the rollover rules, which reward a close look. In addition, Banking methods should be secure, and the cash-out period is usually one of the most useful marks of a fair brand. Moreover, The game library is usually generous, from video slots to blackjack, offering players real choice. Moreover, A live casino draws in fans with real-time streams, and the table range define the whole atmosphere. Moreover, Helpful support marks the tone whenever issues appear, particularly if live chat are on hand. Moreover, Withdrawals expose the honest side behind a casino, so fair terms and prompt handling build confidence. Moreover, Responsible play must remain in focus, so reality checks and firm rules really protect the user. Further, In addition, A valid licence is the key thing to check, because it proves that the operator meets clear requirements. Further, In addition, Bonuses catch the eye, yet their real value rests on the wagering terms, which repay a calm review. Furthermore, Deposit choices should be secure, and the withdrawal speed is usually one of the most telling indicators of a serious site. Further, In addition, The game library is usually broad, from video slots to roulette, bringing fans plenty of options. Further, In addition, A live casino draws in players with real-time streams, and the stream quality drive the entire session. Further, In addition, Helpful support marks the difference whenever questions arise, above all if clear answers are easy to reach. Further, In addition, Withdrawals expose the true character behind a casino, so clear limits and steady speed inspire loyalty. Further, In addition, Responsible play must remain central, so reality checks and clear budgets always support the account holder. Further, Also, A valid licence is the first thing to verify, because it proves that the operator respects clear rules. When it comes down to it, All in all, a careful decision depends on facts, so take your time, verify details and keep control.

Moratorium Automatik Tak Wajar? Shahril Tegaskan Bukan Rakyat Yang Patut Terbeban…

KUALA LUMPUR, 16 Jun – Ketua Penerangan UMNO Malaysia, Shahril Hamdan menegaskan bahawa antara bank, Kerajaan dan rakyat perlu ada satu pihak yang mesti menanggung beban kesan daripada pandemik COVID-19 namun pihak itu sepatutnya bukan rakyat.

Katanya, pakej bantuan sekarang tidak cukup biarpun ada yang sebut negara lain tidak ada moratorium berpanjangan namun di negara lain masih ada pakej bantuan yang diberikan.

“Kerajaan darurat ini mesti pilih dan pilih sekarang. Kalau tak nak sangat bagi moratorium maka tambah perbelanjaan kerajaan dan bantu orang. Kalau tidak, arahkan bank beri moratorium kepada B40, M40 dan PKS.

“Negara lain subsidi upah besar, mudah dan bantuan kewangan dari Kerajaan besar, tapi kita? Subsidi upah RM600 seorang. Bantuan tunai one off baru ni RM1,500 satu isi rumah. Geran untuk PKS RM1500, one off.

“Syarikat dah nak tutup. Dapat RM1,500 boleh buat apa? Hutang nak servis pun dah beribu. Subsidi upah RM600, kalau gaji staf RM2,000, ada lima orang staf, macam mana nak bayar?”

Terdahulu Shahril memetik kenyataan Ketua Ahli Ekonomi Bank Islam, Dr. Mohd. Afzanizam Abdul Rashid yang berkata, kita perlu membezakan keperluan moratorium sebagai satu instrumen membantu rakyat dan bank pula sebagai sebuah entiti perniagaan yang bermotifkan keuntungan

“Betul. Dua-dua penting untuk ekonomi. Tapi saat ini, mana lagi penting? Pelihara rakyat atau pelihara keuntungan bank?

“Sebarang bentuk bantuan sebaiknya bersasar. Apabila bantuan tidak bersasar dilaksanakan, maka berlakulah pembaziran. Prinsip yang sama juga dilaksanakan dalam moratorium pinjaman.”

Apapun, katanya, bantuan bersasar situasi ideal tapi ia perlu berpijak pada bumi nyata tanpa memberi seribu alasan untuk mendapatkan moratorium sehinggakan ada kes individu atau syarikat yang perlu, tak dapat.


“Kedua, di bumi nyata, nak dapatkan data sebenar-benarnya siapa yang layak siapa tak layak, susah. Simpanan data di Malaysia ini belum capai peringkat sepatutnya. Dah banyak kes keciciran, tapi itu masalah lain untuk hari lain. Isunya, nak tunggu nak kaji betul-betul siapa perlu siapa tak perlu, individu dah tak dapat bayar, syarikat pun dah gulung tikar.

“Apa salahnya bagi ke B40 dan M40, bagi kepada semua syarikat PKS. Yang tak mahu, mereka tolak. Mereka opt out, bukan opt in. Kalau ada caj pun atau kalau faedah jalan, bukan faedah tak masuk akal macam ni. Bayar bulan-bulan 400 tapi minta moratorium tiga bulan kena bayar faedah 700.

“Sebab tu pijak pada bumi nyata. Nak bersasar sangat, ramai tak dapat. Mana lebih baik? Cepat-cepat tolong 10 orang termasuk dua yang tak perlu, apa yang rugi sangat? Berbanding nak sangat memilih akhirnya semua tercicir.”

Di samping itu kata Shahril yang merupakan Naib Ketua Pergerakan Pemuda UMNO Malaysia juga merujuk kepada pakar ekonomi terbabit iaitu kebanyakan saham institusi perbankan dimiliki oleh institusi seperti Kumpulan Wang Simpanan Pekerja (KWSP), Permodalan Nasional Berhad (PNB) dan Khazanah Nasional Berhad (Khazanah) yang mana keuntungan bank-bank akan disalurkan kepada institusi ini, dan akhirnya memanfaatkan rakyat melalui pemberian dividen.

“Ini satu lagi hujah teori dan buku teks tak berpijak pada bumi nyata. Kononnya trickle down economics. Bila institusi besar ini untung besar, rakyat pun untung besar.

“Tak semudah itu. Siapa yang pegang simpanan paling banyak dalam ASB PNB? Siapa pegang simpanan banyak dalam KWSP? B40? M40? 76% pemegang ASB memiliki tak sampai RM5 ribu pun. KWSP pun orang dah keluarkan banyak.

“Ya kita nak PNB, Khazanah, KWSP semua untung, tapi tolong jangan bagi alasan tak boleh bagi moratorium sebab kena pelihara keuntungan bank supaya rakyat untung. Berpijaklah pada bumi nyata.”

Tegasnya lagi, apabila rekod pembayaran adalah baik, lebih mudah untuk membuat pembiayaan baharu terutamanya bagi mereka yang ingin membeli rumah kedua dan kenderaan seterusnya

. – UMNO Online

Don’t burden rakyat with ‘no automatic moratorium’

KUALA LUMPUR, June 16 – Information Chief Shahril Hamdan said the government and the financial institution must bear the brunt of Covid-19 effects on the people.
Hence, the people should not be at the losing end when banks are reluctance to give automatic moratorium. The current aid package was not enough even though some countries did not offer a prolonged moratorium but their citizens were aided in many ways.
“This emergency government must now choose. If you cannot offer moratorium, then increase spending for the people. If not, instruct banks to give a moratorium to B40, M40 and SMEs. Other countries offer big subsidy but we are less fortunate. What is wage subsidy of RM600 per person?
“The  new one off cash assistance is RM1,500 per household. Grant for SMEs is RM1500, one off. There are ies on the brink of close shop. What can they do with RM1,500? Debt to service is already thousands. If the staff salary is RM2,000 and one has five staff, how do you want to pay them?”
Earlier, Shahril quoted the statement of the Bank Islam Chief Economist Dr. Mohd Afzanizam Abdul Rashid who said Malaysia needs to differentiate the need for a moratorium as an instrument to help the people and the bank as a profit-motivated business entity.
“That’s right. Both are important to the economy. But right now, which is more important? Securing the well being of the people or preserve banks’ profits?”
In reality, he said it is difficult to get complete data on who is eligible and who is not. Data storage in Malaysia has not reached the proper level. There have been cases of dropouts and the issue is, when it can be properly undated.
“What’s wrong with giving to B40 and M40, and giving to all SME companies. Those who do not want, can decline it. If there is a charge or if it is beneficial, do it. But if the instalment is for 400 months, don’t make they pay for 700 months just because of 3-month moratorium!.
Sharil who is Youth Movement deputy chief said most shares of banking institutions are owned by institutions such as the Employees Provident Fund (EPF), Permodalan Nasional Berhad (PNB) and Khazanah Nasional Berhad (Khazanah), hence dividends derived from the banks can be utilised to assist the people.
“It sounds not easy but practical. Who holds the most savings in ASB PNB? Who holds a lot of savings in the EPF? B40? M40? About 76 per cent of ASB holders have less than RM5,000 in premium. People have already spent a lot on the EPF.
“Yes, we want PNB, Khazanah, EPF and those making profit to stop giving excuse for not offering moratorium. We ensure for banks to make profit but the people should get its benefit too.”