Sunday, May 17, 2009

BNM is inhuman, says a reader

I got this comment from a reader for my May 9 posting on 'Bank Negara and its discrepancy'. Here is what Anak Malaya says:

Bro,
Bank Negara's main concern is to keep the banking system and the bank operators in good shape. Why? To give the best impression to foreign investors that Malaysia is among the best place to put their money.

They dont care about how many people the bank simply made bankrupt by adding several charges to the principle loan (i.e adding interest and legal charges to accumulate it to the RM30,000 bankruptcy requirement), how many good working papers and collaterol were rejected by the local banks, how many customers were made to pay unnecessary extras for the loan they took, and how many dirty money the banks made out of the poors?

Yes, Bank Negara officials are like GODs as you mentioned. They couldnt care less about how many people in the middle and low income brackets suffered by the uncontrolled individual self-imposed rulings by the commercial banks. BNM got no human factor, right from the very top official to its lowest-paid staffs.

I wonder whether our Prime Minister and Finance Minister Datuk Seri Najib Tun Razak is aware of it or simply refused to take note of the discrepancy because of these Gods, or BNM was given a total autonomy to decide whose money and account it should freeze without investigation. This is another ISA for the banking sector.

I know a lot of friends and companies being clamped by the heartless officials of Bank Negara, just because they could not meet with their demand on 'how much can they offer' to release the money.

I am sad that amid Najib's political thrust to make the people requirements and needs as the top priority, Bank Negara's hardcore supervisory is dampening it. What is 'rakyat didahulukan' if none of their predicament is being heard or at least getting attention from the right authority? Even our court of law, upon its hearing on certain cases, would reduce a suppose-to-be death penalty to 20-year imprisonment or from 10 years jail to 2 years jail.

Why is BNM so strict in flexing it muscle on the hopefuls, I dont know. Laws are not meant to be broken but even a convict is given a second chance to redeem himself and start a new life to become a good and contributing citizen.

Those at Bank Negara are not the faultless lot. However, they always enjoy what they described as 'a success' should they are able to freeze someone's account, just because there was a report about it. No, they seldom investigate before becoming judges of their own court to impose such verdicts.

They will pin you down just on suspision of money laundering or collecting deposit illegally. I dont think they read what you write, bro. Even if they did, they dont feel anything as they are 'untouchables'. No laws can take them up or challenge their supremacy in making such decisions.

This is how the government of Barisan Nasional will lose control of its supporters. When you said thousands of SMIs, single mothers and the poors were affected by such rulings, I dont think BNM officials had given it the slightest thought to reconsider the case. I am also sure that those at the Ministry of Finance were (not) awakened by such plights.

Its a bizzare lynch! Your line about the officer who said 'kalau dulu awak naik basikal, saya nak pastikan awak naik basikal semula' was very inhuman, rude, churlish and overbearing. If I were the Finance Minister, I would show him/her the exit.

What is the loses that we have to incur if we relax the existing prosudures and rulings at the time when many of our rakyat are suffering from the adverse impacts of the economic uncertainty? In fact, the whole country would be grateful to the government should they are given the lifeline? Let them recuperate under the supervision of Bank Negara.

The idea to let them resume operation without releasing their money was another act of no-probity, meant to incommode the 200,000 people (in the case of Bulohmas) and maybe a few million more (in other cases). What's the point of shaking hands with them while their pants are down?

Please be more human in dealing with this cases. As none of the customers lodged any complaints of police report about how the business was being conducted, we should let them go on as long as they dont squeeze the people out of their capacity to survive. We lose nothing but will gain a lot of respect and appreciation.

18 comments:

Anonymous said...

well bro...I'm totally, 110% agree with the author...

matjambul.

kudin said...

BNM - buat niaya manusia. tu la maksudnya

BEKAS ADUN said...

yang mendapat nikmat daripada syarikat seperti ini ialah bumiputera. kalau nak harapkan skim bantuan kerajaan semata-mata, sampai bila pun nasib mereka ni tak berubah.

jadi, syarikat speerti bulohmas inilah yang patut dianggap membantu kerajaan dalam usaha membantu menaikkan kedudukan IKS bumiputera dan orang miskin yang duduk di bawah naungan mereka.

kenapa mesti kita terlalu taksub dengan undang2 yang ada sedangkan ia tidak menjejaskan sesiapa pun. malah ia banyak membantu memasarkan produk bumiputera, terutama yang dikeluarkan oleh ibu2 tunggal dan penduduk luar bandar.

agensi kerajaan yang sepatutnya membantu mereka hanya melepaskan batuk di tangga. adakalanya mereka langsung tidak mengendahkan rungutan dan aduan orang miskin dan IKS seperti ini.

jadi, apa salahnya bulohmas mengadakan satu skim yang ternyata banyak membantu golongan ini? ia mengutip yuran minima bagi penyertaan IKS di bawah payungnya tetapi ia tidaklah memudaratkan ekonomi sesiapa, malah ia dilipatgandakan dengan hasil jualan yang meningkat.

bank negara serta pejabat peguam negara harus berhati perut dalam menilai kes2 seumpama ini. di negara lain, mana2 syarikat yang membantu memajukan rakyat akan diberi kelulusan untuk beroperasi.

dalam kes ini, bank negara menjatuhkan hukuman sendiri tanpa usul periksa dan hanya berdasarkan aduan pihak yang cemburu dan dengki dengan mereka.

ingatlah! undang2 yang ada selalu dipermudahkan dalam apa keadaan pun. jadi, apa salahnya kita menerima perniagaan seperti bulohmas ini dan beberapa syarikat lain sebagai penggalak kemajuan masyarakat?

jika BNM ingin bertindak, kenapa dibiarkan syarikat asing dan gedung perniagaan besar turut menjalankan cara perniagaan yang sama? kita tahu banyak syarikat asing dan bukan bumiputera turut memperkenalkan cara urusniaga yang serupa, malah dalam banyak kes bukan membantu ahlinya tetapi hanya ingin mengaut keuntungan cepat dan mudah secara mengutip wang. kemudian, mereka melarikan diri.

bulohmas tidak lari.

ia kini terjejas kerana tidak ada duit untuk membayar barang2 yang diambil daripada IKS terbabit. ini turut menjejaskan rakyat yang tidak dapat membelinya dengan harga rendah.

di mana letaknya keadilan dalam sistem yang ada? pejabat peguam negara juga menutup sebelah mata dalam kes seumpama ini dan tidak turut menyiasat kebenarannya.

janganlah kita terlalu berpegang kepada peraturan yang ada. banyak peraturan sudah lapuk dan perlu dikaji semula agar sejajar dengan perkembangan zaman.

crank said...

bro,

apart from its regulatory, bnm is too concern over the profit and loss of each bank.

who say they dont do business?

Anonymous said...

sdr,
saya adalah antara ribuan penduduk di utara semenanjung yang terjejas oleh pembekuan dana bulohmas. saya mempunyai sebuah indusri kecil di penanti, tempat bakal berlangsungnya pilihanraya kecil hujung bulan ini. saya rasa ramai juga penduduk miskin penanti yang menjadi ahli bulohmas ini. sejak beberapa bulan lalu, saya tidak dapat memasarkan hasil kepada bulohmas kerana mereka tidak mampu membayarnya. banyak kedai runcit yang bernaung di bawah bulohmas juga tidak dapat mencari untung kerana tidak mendapat bekalan murah bulohmas. penduduk juga tidak mendapat harga murah seperti sebelumnya.

ini perusahaan bumiputera, orang melayu. saya benar2 berharap agar datuk seri najib memperhalusi maslaah ini sebelum ianya menjadikan kami gulung tikar dan menjadi miskin. mata pencarian kami amat bergantung kepada sistem yang diperkenalkan oleh bulohmas. tidak ada cacat celanya dengan cara ini kerana ia banyak membantu rakyat dan penguasaha kecil-kecilan.

tan, KL said...

bujai,
looks like you are trying your very best to win this case.

i will pray for your success. i agree that at this time of the economy, the government and bank negara should relax the existing procedures.

afterall, its for the benefit of the masses.

faizol said...

aku pun setuju gak dengan kudin.

bank negara mana ada hati dan perasaan! dia cuma tau cari silap orang je.

dia patut awasi bank2 daripada menyusahkan rakyat.

ini tidak...

selvam said...

bro. if its money laundering, its still money laundering.

the law must be upheld

Anonymous said...

lambat laun, semua duit rakyat malaysia akan dibekukan!

arisa said...

dont u know that bnm enjoys each time a malaysian is made a bankrupt or each time they freeze someone's money?

din black said...

kadangkala kalau kita terlalu tegas dan hanya lebih berminat menghukum, sistem yang ada tidak lagi dianggap berkesan dalam menangani sesuatu kes.

bnm perlu lebih peka dengan keadaan sesuatu kes.

ia tidak patut membekukan dana orang hanya berasaskan wujudnya tuduhan. siasat dahulu orang yang membuat aduan serta motifnya.

selagi kes yang disiasat belum selesai, ia tidak patut sewenang-wenangnya membekukan duit orang. ini zalim namanya!

Anonymous said...

not only bulohmas. i have came across few cases. the only different is, bulohmas has been very successful in helping the SMIs and the poors.

cummon bank negara. you should be more human!

Anonymous said...

salam bro!
i am in, a 'victim' too.

Hotel Kuli.

Anonymous said...

Let me highlight an issue whreby BNM has not been forthcoming as the regulator in the Insurance industry.

As we are all aware, all our vehicles need to be in sured at "market value". And, we all are aware that there is really no deterministic way of determining this "market value". At the ime of insurance, one might ask areound, look in the papers and even if you all ask the insurance company for the :market value" they will be non committal.

As you are also aware, in the event of mishaps to your vehicle, the Insurance company will "penalise" you if your are under insured and will only pay the "market value" if you over insured your car.

The question that is in my mind all these years is, if you over insured your vehicle, should not the insurance company set your "market value" straight, not accept your premium, of pay the insured amount as thay have accepted your over insured amount?

BNM as a regulator should have told the Insurance companies that in the even that any one over insured their vehicles, the Insurance companies should either turn it down or pay to the "insured" amount. The current practise that insurance company pays the "market value" even when the vehicle is over insured, yet could not inform the customer of the actual "market value" smacks on injustice.

And, this lopsided practise have been going on for ages......


MRSM Kalae Chepo 66/73

udon said...

bujai.
semacam je lu bela bulohmas ni. dapat apa2 ke?

bujai said...

udon,
kalau dapat, lagi kuat la aku hentam. kenal pun tak, cuma kenal beberapa iks yang terjejas. aku lebih memikirkan 600 iks, 2000 pengusaha kampung dan ibu tunggal serta lebih 200,000 pelanggan dari keluarga miskin yang bernaung di bawah perniagaan bulohmas ni. kalau tak ramai yang terjejas, aku pun tak la amek kisah sangat

caramel said...

its high time to change the whole administration of bnm.

some of their officiers are not clean either. i know because i had the bad experience dealing with them

Anonymous said...

Salam...

BNM BEKU AKAUN.. Bila dah beku akaun, nak siasat ambil masa bertahun2, lama kelamaan OTAK peniaga dan orang ramai yang terlibat dengan syarikat tu jadi BEKU sebab tunggu duit. BNM dan bank2 tempatan seronok menggunakan duit rakyat tu kesana kesini.

Bila lama kelamaan OTAK peniaga dan ahli2 jadi BEKU disebabkan tindakan itu dan janji2 pemilik syarikat, mulalah peniaga2 dan orang ramai yang terlibat jadi emosional, mula menuduh syarikat tak bertanggungjawab, menipu, makan duit haram dan mcm2 ayat yang tak sedap di dengar. Memang itu yang BNM nanti-nantikan, menunggu orang ramai bergaduh dengan pemilik syarikat, orang ramai buat aduan dan tuduhan terhadap pemilik kepada pihak berkuasa.. Jadi senang la kerja BNM sebab ada banyak aduan dan bukti.

Bila OTAK pemilik syarikat dah BEKU kena hentam oleh si peniaga dan panggilan telefon yang tak henti2 dari orang ramai, yang teruk sekali jiran tetangga laa, mulalah pemilik syarikat nak fikir yang bukan2 di luar batasan. LU PIKIR LAH SENDIRI!!!

BNM dan kerajaan perlulah bertimbang rasa dan fikir secara rasional. Beri peluang mereka berniaga, bantu syarikat2 tu dengan memberi khidmat nasihat dan cara mengurus syarikat dan kewangan mereka. Beri mereka garis panduan, tubuh satu anak syarikat yang boleh menyelia perniagaan mereka. Ni tidak! terus BEKU akaun syarikat, nak berniaga macam mana!

BEKU! BEKU! BEKU!

Bila BNM BEKU akaun sesebuah syarikat, orang ramai dan orang sekeliling mula bercakap sana sini dan keluar perkataan syarikat tu PENIPU. Orang ramai dah hilang keyakinan nak berurusan dengan syarikat itu. Lama kelamaan syarikat tu pun gulung tikar sebab tak ada bisnes, lepas tu BNM kata syarikat tu didapati bersalah sebab dipenuhi oleh aduan dan tuduhan oleh orang ramai yang dah emosional.

Dengan keadaan ekonomi sekarang serta persaingan perniagaan yang tumbuh pesat BNM dan kerajaan perlu memberi peluang. Dengan memBEKU sebenarnya tak dapat menyelesaikan masalah, lagi banyak masalah sosial masyarakat akan timbul.

Renung.. Renungkan lah...