Malays including govt servants who borrow from loan sharks…

Alongs and debt collectors…

29 March 2018

Controversial vigilante quits Muslim consumer group over fund swiping claims

KUALA LUMPUR, March 28 ― Yusuf Azmi has quit the Malaysian Muslim Consumers Association (PPIM) as special action unit director after he was accused of misappropriating funds.

Sinar Harian reported that Yusuf has denied the allegations made by four former PPIM employees, who had accused him of profiteering from loan shark victims assisted by the consumer rights group.

“I have decided to not be with PPIM anymore. I will only attend talks that I am invited to but I will not take any more cases. I cannot afford to continue the struggle with PPIM due to such betrayal,” Yusuf was quoted saying.

Following his resignation from PPIM, Yusuf said he plans to spend more time with his family and even to build a cat shelter for stray cats.

“At least I know the cats won’t bite me back,” he said.

Yusuf explained that he had given out loans to victims in the millions, yet he never asked them to pay back.

“We do not expect anything in return, but please do not bite me in return,” he said.

Yusuf also said he had forgiven the four individuals who claimed there was a misappropriation of funds by him in the loan shark cases he handled.

PPIM head activist Datuk Zaim Johan said he accepted Yusuf’s resignation, but clarified that PPIM will always have a place for him.

“I have consoled him yet he refuses to stay on. However PPIM will always accept him with open arms if he decides to come back,” he said.

http://www.themalaymailonline.com/malaysia/article/controversial-vigilante-quits-muslim-consumer-group-over-fund-swiping-claim

6 July 2016

Malays most notorious for borrowing from Ah Long, says PPIM

July 5, 2016

Consumer group says it uses specially-trained members to deal with these Ah Long to settle cases, according to government-approved rates.
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PETALING JAYA: Malays are among the most notorious when it comes to borrowing money from loan sharks or Ah Long, according to the Malaysian Muslim Consumers Association (PPIM).

Its head activist, Nadzim Johan, said that out of 10,000 cases of loan shark victims solved by PPIM over the last five years, 70 per cent were Malays.

What is more distressing, he said, was that among those who took loans from loan sharks, and were forced to pay high interest, were civil servants and even those with the title of “Datuk”.

“Besides the 70 per cent Malays, 15 per cent were Chinese and 15 per cent Indians. The loans taken by Malays were only small amounts, with some ranging to a few thousand ringgit.

“They asked for loans due to slow business or to start doing business.

“They are duped into taking these high-interest loans from the smooth-talking Ah Long,” he told FMT.

He added that the biggest case PPIM had handled was a loan involving RM15 million.

http://www.freemalaysiatoday.com/category/nation/2016/07/05/malays-most-notorious-for-borrowing-from-ah-long-says-ppim

Where could the 100,000 go but to….loan sharks!

1 May 2017

100,000 civil servants to go bankrupt soon
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zbt

Cuepacs estimates that as many as 100,000 civil servants will be declared bankrupt soon due to the rising number of personal loans they are taking. — The Malaysian Insight file pic, May 1, 2017.

TIME’S a-wastin’ for civil servants to survive in the current economy as they are taking up more loans to cope. It is only a matter of time before they go bankrupt.

The Congress of Union of Employees in the Public and Civil Services Malaysia (Cuepacs) President Azih Muda said middle and low-ranking civil servants resort to such measures thinking that it would offset their expenditure owing to the rising inflation rate.

“How wrong they are. Our rough estimate shows up to 100,000 civil servants may soon be declared bankrupt. As of now, 3,000 of them are already bankrupt,” Azih was quoted as saying by The Star online.

“This situation may worsen as many more are also taking up loans from loan sharks,” he said yesterday.
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He also said there were not at least 20 financial institutions including cooperatives that had been appointed to provide loans to civil servants by way of monthly deductions.

He mentioned that these entities do not cross check the background of each applicant.

Azih said in an example, a civil servant who is only eligible to apply for an RM50,000 loan, could go to four banks to apply and get a total sum of RM200,000.

“Some even submit fake salary slips to ensure that they are successful and this is when the problem starts.

“The government should come up with a system to monitor this alarming situation,” he said.
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Cuepacs has 1.2 million members and 106 affiliated unions. — May 1, 2017.

https://www.themalaysianinsight.com/s/2362/?utm_source=dlvr.it&utm_medium=twitter

23 July 2016

21h21 hours ago

Kerani samun RM700,000 milik JPJ untuk bayar hutang along

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Kerani samun RM700,000 milik JPJ untuk bayar hutang along

July 22, 2016

Hakim memerintahkan ibu kepada tujuh anak itu menjalani hukuman penjara empat tahun bermula tarikh dia ditangkap pada 11 Julai lalu.

via

Sessions Court Judge Zainal L. Salleh meted out the sentence against Norzaisyima Ahmad Zaidin, 40, and ordered her to serve the jail sentence from the date of her arrest, on July 11.

“Hardships and owing money to ‘alongs’ (loan sharks) is not a reason for committing an offence, and now, the rice has already become porridge (the situation is irreversible),” Zainal said, adding that the court took into account public interest before sentencing the accused.

Inside job! RTD Wangsa Maju robbed of RM700,000 in cash!

6 July 2016

Malays most notorious for borrowing from Ah Long, says PPIM

July 5, 2016

Consumer group says it uses specially-trained members to deal with these Ah Long to settle cases, according to government-approved rates.

z1.jpg

PETALING JAYA: Malays are among the most notorious when it comes to borrowing money from loan sharks or Ah Long, according to the Malaysian Muslim Consumers Association (PPIM).

Its head activist, Nadzim Johan, said that out of 10,000 cases of loan shark victims solved by PPIM over the last five years, 70 per cent were Malays.

What is more distressing, he said, was that among those who took loans from loan sharks, and were forced to pay high interest, were civil servants and even those with the title of “Datuk”.

“Besides the 70 per cent Malays, 15 per cent were Chinese and 15 per cent Indians. The loans taken by Malays were only small amounts, with some ranging to a few thousand ringgit.

“They asked for loans due to slow business or to start doing business.

“They are duped into taking these high-interest loans from the smooth-talking Ah Long,” he told FMT.

He added that the biggest case PPIM had handled was a loan involving RM15 million.

http://www.freemalaysiatoday.com/category/nation/2016/07/05/malays-most-notorious-for-borrowing-from-ah-long-says-ppim/

3 March 2016

Penjawat awam pinjam ‘ah long’ tidak dapat dibuktikan, kata KSN

Laporan terdapat sebilangan penjawat awam terlibat dengan pinjaman secara haram atau “ah long” terutamanya di kalangan berpendapatan bawah RM3,000 merupakan kenyataan yang tidak dapat dibuktikan dengan data, kata Ketua Setiausaha Negara (KSN) Tan Sri Ali Hamsa.

Katanya, jika ia benar-benar berlaku, pihaknya memandang serius perkara itu dan akan cuba meminta bantuan daripada Kongres Kesatuan Pekerja-pekerja Di Dalam Perkhidmatan Awam (Ceupacs) bagi mengesahkan perkara itu.

“Ini adalah satu kenyataan yang tidak dapat dibuktikan dengan data.

“Tapi kita pandang serius isu ini. Kita akan cuba minta bantuan Ceupacs dan sebagainya.

“Kalau boleh, buat survey (kaji selidik), mengesahkan sama ada perkara ini berlaku,” katanya pada satu sidang media selepas majlis penutup Konvensyen Perumahan Penjawat Awam 2016 di Menara Miti di Kuala Lumpur hari ini.

Semalam The Malaysian Insider melaporkan terdapat pemberi pinjaman wang secara haram atau “ah long” yang beroperasi di dalam perkhidmatan awam, dengan beberapa kakitangan kerajaan bekerja separuh masa sebagai agen mereka, menurut Cuepacs.

Keadaan ini sekali gus membuatkan trend penjawat awam membuat pinjaman dengan lintah darat sukar dibendung, kata Presiden Cuepacs Datuk Azih Muda.

– See more at: http://www.themalaysianoutsider.com/bahasa/article/penjawat-awam-pinjam-ah-long-tidak-dapat-dibuktikan-kata-ksn?utm_source=dlvr.it&utm_medium=twitter#sthash.dQI74Fxc.dpuf

Google translation

The report contained a number of civil servants involved in illegal loan or “loan sharks” especially among those earning below RM3,000 a reality that can not be substantiated by data, said Chief Secretary to the Government (KSN ) Tan Sri Ali Hamsa.

He said that if it really happened, it viewed the matter seriously and will try to request assistance from the Congress of Unions of Employees in the Public and Civil Services (Cuepacs) to confirm this.

“This is a statement that can not be substantiated with data.

“But we view this issue seriously. We will try to enlist the help of Cuepacs and so on.

“If possible, create a survey (survey), verify whether these things happen,” he told a press conference after the closing ceremony of the 2016 Convention on the Civil Servants Housing Miti Towers in Kuala Lumpur today.

Yesterday, The Malaysian Insider reported that there were illegal money lender or “loan sharks” that operates in the public service, with a few government employees work part-time as their agent, according to Cuepacs.

This situation thus making the trend of civil servants make loans with loan sharks unstoppable, says Cuepacs president Datuk Azih Young.

– See more at: https://translate.googleusercontent.com/translate_c?act=url&depth=1&hl=en&ie=UTF8&prev=_t&rurl=translate.google.com&sl=auto&tl=en&u=http://www.themalaysianoutsider.com/bahasa/article/penjawat-awam-pinjam-ah-long-tidak-dapat-dibuktikan-kata-ksn%3Futm_source%3Ddlvr.it%26utm_medium%3Dtwitter&usg=ALkJrhiVzOWEQDD99UqM9pnrDY1KN8oB2A#sthash.eENgMepo.dpuf

2 March 2016

Malaysian Insider

Cuepacs says that an estimated 150,000 civil servants or 12% of the government workforce who borrow money from illegal easy credit schemes and loan sharks despite knowing the risks.

Easier, faster for civil servants to borrow from loan sharks

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Getting a loan from banks requires paperwork and civil servants who have maxed out on their loan repayments find it hard to borrow legally.

But on his net salary of RM420 a month as a low-ranking government staff, he can only visit them once a year and even then, only if he borrows more money.

The 26-year-old father of two girls gets a living allowance of RM200 a month that helps him manage with his low salary, but if he uses his earnings to make a trip back to Sarawak, it would eat up half his monthly income.

So Daniel has been using the services of an illegal money lender since 2013 in order to visit his family.

“I borrow just to go back to see my children and wife once a year.

“I’ve borrowed from them three times now,” he told The Malaysian Insider.

But until today, Daniel is still in debt – having borrowed RM4,000 in total The last payment is due in May..

“Every month, for 10 months, I pay RM270 in capital and RM120 in interest,” said Daniel, whose daughters are aged five and two and whose wife is also a civil servant in Sarawak.

He has never had a rough encounter with the loan shark nor has he defaulted on any payment as the loan shark keeps his ATM card.

“They take the bank card and keep the PIN number.

“Then when my salary is credited, they will take what is theirs and return the balance of my salary to me through another bank account,” Daniel said.

Daniel is among the estimated 150,000 civil servants or 12% of the government workforce who borrow money from illegal easy credit schemes and loan sharks despite knowing the risks.

The figure was recently revealed by Cuepacs, the umbrella union for civil servants, which said many were struggling to cope with the rising cost of living.

Tighter lending conditions by banks also pushed government draughtsman Mohd Hakiman Che Rahim, 35, to borrow from a loan shark, or “ah long”, to start a cafe business.

The cafe business is to supplement his income as a grade H11 civil servant but he could not qualify for another loan on an RM1,400 salary and outstanding loan of RM60,000 from a bank.

“I had no other way to get a loan to start my cafe business. I went to the banks to get a personal loan but was rejected because of my high commitments.

“There are many conditions imposed by banks and documents are needed.

“If we apply with the ah long, it can be approved in one day, so it’s better to borrow from them,” said the father of two who said he needed about RM10,000 to start the cafe in Kedah.

– See more at: https://translate.googleusercontent.com/translate_c?depth=1&hl=en&inter=1&rurl=translate.google.com&sl=zh-CN&tl=en&u=http://www.themalaysianoutsider.com/malaysia/article/easier-faster-for-civil-servants-to-borrow-from-loan-sharks%3Futm_content%3Dbufferc79d8%26utm_medium%3Dsocial%26utm_source%3Dtwitter.com%26utm_campaign%3Dbuffer&usg=ALkJrhinCC0Wv7VvkGb1itoSv39TfFpCMA#sthash.w87Zq9Hr.dpuf

An increasing number of agents are Malay. Why?

A loan shark’s assistant, who only wanted to be known as Alwi, told The Malaysian Insider that illegal money lenders were employing more Malay agents to lure customers from the community.

“Many of the agents are Malays because the ah longs know that most of the civil service is made up of Bumiputeras and they would be more comfortable with an agent of the same race.

“Agents get a basic salary of RM2,000 a month and earn a commission based on the amount of borrowings they are able to secure.”

Alwi said most borrowers were low-salary civil servants who have reached the loan cap of 60% of income deductions imposed by the government.

– See more at: https://translate.googleusercontent.com/translate_c?depth=1&hl=en&inter=1&rurl=translate.google.com&sl=zh-CN&tl=en&u=http://www.themalaysianoutsider.com/malaysia/article/easier-faster-for-civil-servants-to-borrow-from-loan-sharks%3Futm_content%3Dbufferc79d8%26utm_medium%3Dsocial%26utm_source%3Dtwitter.com%26utm_campaign%3Dbuffer&usg=ALkJrhinCC0Wv7VvkGb1itoSv39TfFpCMA#sthash.w87Zq9Hr.dpuf

tm_insider: Cuepacs warns of civil servants acting as ‘ah long’ agents

Malaysian Insider

Cuepacs warns of civil servants acting as ‘ah long’ agents

This is making it hard for the government to curb the use of loan-shark services, president of the umbrella body of Malaysian civil service unions, Datuk Azih Muda said.

“There are runners (agents) looking for a means to earn, if they manage to get a client, they receive a commission and a portion.

“We have asked the government to step in and exert some control,” he told The Malaysian Insider.

There is already a ceiling for loans for civil servants at 60% of deductions from their income but loan sharks still offer illegal loans on the remaining 40%.

“They (loan sharks) can still do business with people having 40% income in hand and prey on those who are desperate.”

Azih told a Bahasa Malaysia daily last month some 150,000 civil servants or 12% of the government workforce was borrowing money from illegal easy credit schemes and loan sharks.

Most were earning under RM3,000 a month and struggling with rising living costs.

A civil servant in the finance department of a government-linked company (GLC), Mohd Ramli Ridhuan, 31, said he knew of loan sharks who recruited agents among staff to find new clients.

“In the ministry where I work, there are civil servants working part time as loan-shark agents and targeting their colleagues who fail to get bank loans.

“These agents know those who are in need of cash immediately and move in to recommend the loan-shark services,” Ramli told The Malaysian Insider.

He said many took up illegal loans because of the fast and easy process which did not require so many forms.

“The transaction can be finalised in a day. Those who do not have savings and need cash urgently are forced to use loan sharks’ services.”

Ramli also related an incident where an agent had come to his office in search of a colleague who had fallen behind on repayments.

“There have been instances of hired debtors entering government offices to search for borrowers and to collect payment.

“From this, we learnt that many civil servants were taking loans from illegal money lenders.”

Ramli said some debtors opened a separate bank account and asking payroll to deposit allowances into that account so that loan sharks could not access the money.

This was because repayment typically involved loan sharks holding the ATM card and PIN number of the debtor’s account and withdrawing the amount owed each month from their salaries.

“I’ve got colleagues who ask for their claims and allowances to be wired to a different bank account than the one for their salaries,” said Ramli who handles payroll in his office.

Although Cuepacs was worried about the trend, Azih said, little could be done despite there being disciplinary provisions for civil servants who took illegal loans. For one, evidence was hard to obtain because of the scanty documentation required.

“Cases of illegal money lending are hard to detect early as they occur outside and no documents are involved, only that the borrowers’ ATM cards are held by the loan sharks.”

– See more at: https://translate.googleusercontent.com/translate_c?act=url&depth=1&hl=en&ie=UTF8&inter=1&prev=_t&rurl=translate.google.com&sl=zh-CN&tl=en&u=http://www.themalaysianoutsider.com/malaysia/article/cuepacs-warns-of-civil-servants-acting-as-ah-long-agents%3Futm_content%3Dbuffer41dba%26utm_medium%3Dsocial%26utm_source%3Dtwitter.com%26utm_campaign%3Dbuffer&usg=ALkJrhjiThAFyuOqO6T8EL_DUrkNnp9uiA#sthash.nf4gCqoh.dpuf

2h2 hours ago

z6

Klang. The Ah Long capital of Malaysia. what can lawmakers do to tackle Ah Long activities?

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Some 150,000 civil servants in Malaysia need to look to loan sharks to deal with the ever rising cost of living….

12% civil servants borrow from Ah Long

  • Some 150,000 civil servants in the country need to look to loan sharks to deal with the increasingly high cost of living.

KUALA LUMPUR, Feb 12 (MySinchew) — Some 150,000 civil servants in the country need to look to loan sharks to deal with the rising cost of living.

The Congress of Unions of Employees in the Public and Civil Services (Cuepacs) president Datuk Azih Muda pointed out that some 12% of the country’s civil force (about 150,000) had been borrowing large sums of money from illegal moneylenders since 2012.

He told Harian Metro that survey showed civil servants borrowing from loan sharks included local government officials, military personnel, hospital staff and low-income pubic servants earning under RM3,000 a month.

– See more at: http://www.mysinchew.com/node/113079#sthash.oZHF2jgK.dpuf

Only in Malaysia: loan sharks using minions to advertise their services.

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