UNIVERSITI PERTAHANAN "DI RAJA MALAYSIA"? - OLEH NIK ZAFRI

Petikan :

Rasanya agak janggal apabila sebuah Universiti yang sememangnya berlatarkan suasana ketenteraan tidak ada gelaran 'Di Raja' untuknya.

Gelaran "Di Raja" menunjukkan ianya dinaungi oleh KDYMM Seri Paduka Baginda Yang Di Pertuan Agong atau Raja-Raja Melayu. Jika dilihat, IPTA yang bertaraf awam dan tidak berlatarbelakangkan ketenteraan pun dinaungi oleh 'Tuanku Canselor' Kenapa tidak UPNM?

Saya sememangnya kurang mengerti prosedur untuk mendapat gelaran 'Di Raja' dan bukanlah saya menulis artikel ini mewakili UPNM (malah inisiatif saya sendiri)

Rasa saya sebagai rakyat biasa - sudah tiba masanya UPNM mendapat ampuni perkenan DYMM Seri Paduka Baginda Yang Di Pertuan Agong atau KDYMM Al-Sultan Kelantan (Timbalan Yang Di Pertuan Agong) atau mana-mana Raja-Raja Melayu untuk menganugerahi 'gelaran 'Di Raja' kepada "Universiti Pertahanan Nasional Malaysia" dan ditukar kepada "Universiti Pertahanan Di Raja Malaysia"

(Duli Yang Maha Mulia Seri Paduka Baginda Yang Di Pertuan Agong Membalas Tabik Hormat semasa Pertabalan Baginda)

(KDYMM Al-Sultan Kelantan Sultan Muhammad V segak berpakaian tentera bersama adinda DYTM Tengku Mahkota Kelantan)


Dan DYMM SPB YDP Agong sendiri selayaknya menjadi 'Tuanku Canselor' untuk Universiti ni.

Gelaran ini sangat sesuai diberikan kepada UPNM selaras dengan cara pendekatannya, suasana dan lokasi universiti berkenaan (yang juga menempatkan Maktab Tentera Di Raja (MTD-RMC)

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Nota : Tulisan ini bukan mewakili mana-mana pihak dari Universiti Pertahanan Nasional Malaysia (UPNM) tetapi atas inisiatif pengarangnya.

Sebenarnya, saya telah lama ingin menulis mengenai perkara ini iaitu semenjak UPNM mula dibuka.

Saya bukanlah seorang yang mempunyai latarbelakang ketenteraan, polis, mahupun menyertai mana-mana anggota keselamatan. Namun, tahu jugalah serba sedikit mengenai etika dan protokol ketenteraan kerana saya dan isteri saya, adalah dari keluarga anggota tentera.

Semasa menghantar anak saya baru-baru ini, Nik Muhammad Hussainy ke UPNM, saya teringat kembali akan perkara ini.

(Pengarang bersama anak kedua, Nik Muhammad Hussainy bergambar kenangan dengan Timbalan Naib Canselor UPNM bersama antara barisan ibubapa yang menghantar anak masing-masing untuk pendaftaran dan MOSIS)

Universiti Pertahanan Nasional Malaysia berada dalam lokasi yang sangat strategik iaitu Kem Sungai Besi)

Dalam kem yang sama, berdiri megah pintu masuk ke Maktab Tentera Di Raja (RMC) di mana saya sempat bergambar di hadapan pintu gerbangnya setelah 27 tahun tidak ke sana.

Saya tergelak kecil melihat beberapa orang awam yang merungut-rungut tentang ketegasan Polis Tentera yang mengawal pintu masuk utama ke Kem Sungai Besi. Ada yang tidak mahu mengambil pas keselamatan (pelawat awam), ada yang mendakwa 'mereka kenal orang itu dan ini' dan ada pula yang mendakwa 'dia ni pegawai besar angkatan tentera'..Entahlah. Sekali imbas, saya lihat, mereka tidak tahu pun 'isyarat tertentu' yang membuktikan mereka ini tahu etika dan protokol atau benar-benar 'orang berpangkat' dalam tentera.

(Pintu Masuk Utama Ke Kem Sungai Besi)

Saya sentiasa mengikut prosedur untuk memasuki Kem Sungai Besi walaupun untuk ke UPNM (semasa mengambil dan menghantar anak saya). Saya mengisi borang dengan penuh teliti serta memberikan maklumat yang lengkap. Tujuan diadakan pas masuk itu pun adalah berdasarkan undang-undang serta objektifnya adalah 'soal keselamatan'.

Orang awam perlu faham, jika berlaku apa-apa akses ke dalam Kem yang berpotensi mengancam keselamatan, sudah tentunya MP akan bertanggungjawab, silap-silap haribulan kena naik 'court marshall' (mahkamah tentera) yang mungkin menyebabkan MP boleh kehilangan kerja.

Saya sudah lama melihat 'kehebatan' UPNM yang mempunyai cara dan pendekatan yang tersendiri. Ibaratnya jika 100 orang pelajar yang memasuki UPNM, maka 100 juga yang akan keluar dengan masadepan, karier dan gaji yang agak lumayan. Apatah lagi jika pelajar berkenaan adalah anggota kadet.

Begitu juga pelajar awam, walaupun tidak menerima elaun bulanan seperti kadet, tetapi Kementerian Pengajian Tinggi dan MARA (mengambil dua contoh dari banyak contoh-contoh lain), ada memberikan elaun dan wang saku.

Pelajar awam juga amat digalakkan untuk menyertai PALAPES/ROTU dan mendapat elaun ROTU pula. Cuma mungkin pelajar awam terpaksa membeli sendiri makanan dan minuman (yang harganya sangat berpatutan) dan pelajar Kadet diberikan makanan dan minuman percuma (di samping elaun/gaji bulanan yang agak lumayan)

Apakah rahsia UPNM?

Boleh dikatakan rata-rata saya melihat unsur-unsur integrasi yang padu dalam modul-modul pengajarannya iaitu kemahiran (ala-MLVK malah ada yang diakreditasikan oleh MLVK) dan akademik (yang diakreditasikan oleh MQA)

Di sini saya tidaklah bermaksud bahawa IPTA-IPTA dan IPTS-IPTS lain tidak ada unsur kemahiran atau MLVK tetapi UPNM serta suasana ketenteraan di sekelilingnya yang banyak memerlukan sejumlah anggotanya yang bertugas di bengkel-bengkel samada Udara, Laut atau Darat perlu cerdas di bidang teknikal serta kejuruteraan, maka inilah antaranya yang mempengaruhi modul-modul UPNM. (suasana sekitar dan sejarahnya)

Mungkin inilah penyebab utama saya berminat untuk menghantar anak saya melanjutkan pelajaran di UPNM. Kriteria pengambilan juga amat teliti. Antara lain, bukan semata-mata semuanya 'A' dalam SPM tetapi juga dilihat dari segi ko-kurrikulum. Anak saya bertuah kerana telah menyertai Kadet Remaja Sekolah (selain memenangi pelbagai anugerah peringkat sekolah, zon, negeri dan negara) dan seminggu sebelum menyertai UPNM, dia juga baru sahaja menamatkan latihan di Pusat Latihan Khidmat Negara (PLKN) di Ulu Benom, Pahang.

Sebelum itu, sempat saya berborak-borak mesra menerusi Facebook dengan seorang 'senior' saya (berbangsa Cina) - sama-sama menjadi Alumni Maktab Sultan Ismail Kelantan (SICA), izinkan saya memetiknya :

KHL/Russell : This bright young man has good heart, he has involved in national defense at this young age. Wishing your son all the best.Hopefully in 25 years time, we will see a general coming from our Kelantan family!!

Nik Zafri : Thanks Russ. I'm sure in your own capacity, you do have some success stories of your own children to be shared and as parents very proud of it

KHL/Russell : Nik Zafri, one thing good about Malay parents as compared to Chinese, Malay parents are more prepared to send their children to join RMC, Military Colleges and joining military forces. Generally Chinese parents will not allow or encourage for their children to join army or involved in national defence . There is an ancient saying that " good metal don't turn it into nail, good son don't make him a soldier!!". Probably , that old saying has its ancient origins thousands years ago when soldiers were recruited among the rough and touch illiterate classes.

Nik Zafri : I'm surprised, did you know that offlate, even Malay parents are not really prepared to send their kids to UPNM. There are still thoughts that everyone in UPNM has to go to war or they are simply contented with the good monthly 'allowance' being paid to cadets without knowing what their kids have to go through.

What can I say? But again, I saw many Chinese parents during the registration in UPNM even spoken to one of facilitators who is actually a Chinese (apart from Chinese in the marching cadets proudly walking in front of us and also during the Interview in the Terendak Camp Melaka)

What are the odds? I was told that some of the Malay students (after half-way) couldn't bear the army based training in UPNM even asked to be transferred to a normal IPTA.

I told my kids not to discard the old values while making a choice which at first may appear 'controversial to the tradition' but co-exist with it. Old values are not simply cultures (like cultural dance or shows) but they go beyond that, it's about your way of life here on earth. You don't remember practicing it, but when you speak politely to your parents, it means that you are a practitioner without even realizing it.

What is being said (I think)

"Good metal don't turn into nail, good son don't make him a soldier' is actually meant for everyone to not only narrow down to becoming a soldier alone or even a teacher but also businessman, educators, academicians, scientists etc. It all comes together - I'm sure any country do not need soldiers alone but they also need other people of different careers as well. This is evident if you review the history of ancient China even any history of the world.

KHL/Russell : Nik Zafri, I salute you for your positive thinking, and in fact, no easy to have Malays writing good English nowadays. Maybe there are plenty of Malays in your generation write good English, but my children English are also not up to the par.

(di sini beliau menceritakan kesukaran beliau untuk menyertai tentera darat, udara dan laut pada awal 70-an)

Years later, i joined PALAPES (Pasukan Latihan Pegawai Simpanan -Tentera Darat) in UM in the year 1981 and was commissioned as Second Lieutenant in 1984. I stayed on with the Wataniah till 2001, a good 21 years in uniform. No regret, i enjoyed my posting to Regiment 512 in Terengganu, 502 in Kuala Lumpur and finaly 506 at Pengkalan Chepa until I called it a day. I guess, Malaysian army has changed now. That is why I salute you and your son, truly, i hope 20-25 years to come, we can see this young man do something to Malaysian defence .

Nik Zafri : Hi again Russ. Thanks for all the compliments which some; I think you're giving me too much credit. Yes, my generation is the last generation (English-Speaking Malays).

My dad was from the remnants of the old British Military Administration (BMA) before it became Askar Melayu (despite the word Melayu there, there were also some Chinese and Indian friends of my dad).

UPNM highest administration have said this (even in their application form - you can check - it says something about referees 'not being in the army' - wow!) during the Kem Terendak interview - that we do not prefer only 'bright straight A students' but selection is made on an 'all rounder'-basis. And during the registration, the DVC said : "Please do not write to the Minister but write to us, if you have any problems" (so, there goes "you know who" and here comes "you know what")

And Yes, you are right, the PALAPES in IPTA is the best and the right move the government have done. And the rest is history as you have adequately put.

Semasa artikel ini ditulis, saya terlihat laporan akhbar The Star Online menyebut :

Published: Wednesday July 24, 2013 MYT 12:00:00 AM
Updated: Wednesday July 24, 2013 MYT 7:56:32 AM

RMC WANTS MORE BUMIS BY JASTIN AHMAD TARMIZI - JASTIN@THESTAR.COM.MY

KUALA LUMPUR: For Royal Military College (RMC) student Leong Kit Tsin, the school has been a learning ground on how to be independent.

“I’ve learnt to be independent as here we have to do everything ourselves.

“We have to dress neatly and clean our rooms,” said the 16-year-old from Petaling Jaya.

“As students here are from different backgrounds, I have learnt the cultures and customs of other races and learnt to respect them. This is really a good place to learn not just academically but also about life.”

Kit Tsin is one of a handful of Chinese students among 242 Form 4 students who started their stint in the school in January.

RMC commandant Col Wan Ghazali Wan Din said that of the total 485 students at RMC, there were only 21 Chinese and 34 Indian students.

The school is currently seeking more non-bumiputra students, especially from among the Chinese.

“We have been lacking non-bumiputra applicants as there has been a misperception about the school,” he said, adding that the Defence Ministry recently increased the minimum quota for non-bumiputra students to 17%.

Application for the new intake closes in October.

“A lot of people think those who join RMC need to join the Armed Forces when they graduate. We are actually trying to correct this misperception,” said Wan Ghazali, adding that since 1987, students from RMC need not join the Armed Forces when they graduate but they could if they wanted to.

He added that another reason for the low number of non-bumiputra applicants was the number of other institutions and places available to students.

“Because of the openings at other colleges and institutions, they have more choices,” he said.

Wan Ghazali said RMC had also taken many steps to make the college more appealing to non-bumiputras, including conducting talks in Chinese and Tamil schools and taking part in Armed Forces events.

Those interested can apply at www.rmc.edu.my.

Jelaslah di sini bahawa bidang akademik/kemahiran ketenteraan telah lama mengamalkan dasar terbuka.

Saya juga sangat yakin, UPNM (malah MTD) juga akan menjadi sebuah IPTA yang setaraf dengan Royal Military Academy Sandhurst, United Kingdom.

Suasana di Kem Sungai Besi dengan pelbagai kor, skuad, unit dan pasukan sudah cukup untuk memberikan semangat patriotik kepada pelajar-pelajarnya - kadet atau awam.

Malah ramai di antara kadet-kadet kanan UPNM yang dihantar ke Lahad Datu baru-baru ini - cukup membuktikan kepada kita betapa tingginya penghargaan Tentera dan Kerajaan Malaysia terhadap UPNM.

Namun, ada sesuatu persoalan yang telah lama bermain di fikiran orang awam seperti saya :

a) Tentera Udara DiRaja Malaysia,
b) Tentera Laut DiRaja Malaysia,
c) Regimen Askar Melayu DiRaja Malaysia (RAMD),
d) Regimen Renjer DiRaja,
e) Kor Armor DiRaja, Kor Polis Tentera DiRaja, Kor Risik DiRaja, Kor Kesihatan DiRaja, Kor Perkhidmatan DiRaja, Kor Ordnans DiRAja, Kor Jurutera Letrik dan Jentera Diraja,
f) Regimen Artileri DiRaja,
g) Regimen Semboyan DiRaja,
h) Regimen Askar Jurutera DiRaja,
h) Maktab Tentera DiRaja dll

Rasanya agak janggal apabila sebuah Universiti dan IPTA yang sememangnya berlatarkan suasana ketenteraan tidak ada gelaran 'DiRaja' untuknya.

Gelaran "DiRaja" menunjukkan ianya dinaungi oleh KDYMM Seri Paduka Baginda Yang Di Pertuan Agong atau Raja-Raja Melayu. Jika dilihat, IPTA yang bertaraf awam dan tidak berlatarbelakangkan ketenteraan pun dinaungi oleh 'Tuanku Canselor' Kenapa tidak UPNM?

Saya sememangnya kurang mengerti prosedur untuk mendapat gelaran 'DiRaja' dan bukanlah saya menulis artikel ini mewakili UPNM (malah inisiatif saya sendiri)

Rasa saya sebagai rakyat biasa - sudah tiba masanya UPNM mendapat ampuni perkenan DYMM Seri Paduka Baginda Yang Di Pertuan Agong atau KDYMM Al-Sultan Kelantan (Timbalan Yang Di Pertuan Agong) atau mana-mana Raja-Raja Melayu untuk menganugerahi 'gelaran 'Di Raja' kepada "Universiti Pertahanan Nasional Malaysia" dan ditukar kepada "Universiti Pertahanan Di Raja Malaysia"

Dan DYMM SPB YDP Agong sendiri selayaknya menjadi 'Tuanku Canselor' untuk Universiti ni.

Gelaran ini sangat sesuai diberikan kepada UPNM selaras dengan cara pendekatannya, suasana dan lokasi universiti berkenaan (yang juga menempatkan Maktab Tentera Di Raja (MTD-RMC)).

KONVENSYEN PENDIDIKAN DAN MAJLIS MAKAN MALAM (YAYASAN PELAJARAN MARA)

MALAYSIA'S NEAR TERM OUTLOOK

From : The World Bank

PRESS RELEASE

Malaysia’s Near-Term Outlook still Favorable; Smart Natural Resource Management Ensures Smooth Path to High Income Economy

June 24, 2013

KUALA LUMPUR, JUNE 24, 2013--- Resilient domestic demand will allow the Malaysian economy to recover from a slow first quarter in 2013, says a new World Bank report. GDP is expected to grow by 5.1% for both 2013 and 2014, driven by higher consumer and business spending. As the global recovery gathers speed in 2014, the Bank report states, Malaysia's external sector will increase its contribution to growth, offsetting the impact of tighter fiscal policies on the domestic economy.

Released today, the World Bank’s Malaysia Economic Monitor: Harnessing Natural Resources, notes that Malaysia’s trade has become more dominated by commodities such as crude oil, natural gas, rubber and palm oil. With prospects for demand in commodities dampened by weak growth in key export markets such as China and Europe, and an abundance of supply globally, Malaysia needs to accelerate structural reforms to ensure that its economy remains diversified and dynamic.

"Malaysia has done remarkably well over the last two decades," says Kaushik Basu, Chief Economist at the World Bank. "However, the coming onstream of new sources of global energy is likely to put downward pressure on several commodity prices. This will no doubt put restraints on growth on a commodity-exporting country like Malaysia. I hope Malaysia will show the nimbleness it has shown in the past."

Malaysia is one of a few developing countries that has successfully converted an abundance of natural resources into long-term sustainable growth. As noted in the report, sound policy choices ensured revenues from resource extraction were reinvested in the economy in the form of machines, buildings and education. This supported high rates of growth that was shared among the population, raising the average incomes of the bottom 40 percent of rural households by 7.1 percent a year over three decades, while poverty rates

plummeted.

"Malaysia is a good example of a country that has successfully used natural resources to invest in other areas of the economy,” says Annette Dixon, World Bank Country Director for Malaysia. “This has allowed the country to promote diversification, create jobs and improve living standards for its people."

While Malaysia can be seen in many ways as a blueprint for other resource-rich, developing economies to follow, important challenges have emerged as a consequence of the global boom in commodity prices in the 2000s. In recent years, the economy has become less diversified, with high-tech manufacturing declining and commodities increasing as a share of exports. As highlighted in this report, reversing this trend, as well as saving a higher share of revenues from oil and gas, will enhance the resilience of

Malaysia’s economy.

"To reach its goal of becoming a high-income nation, Malaysia will need to continue managing natural resources sustainably," says Frederico Gil Sander, World Bank Senior Economist for Malaysia. He added, "Some adjustments are needed to spend less of the resource revenues on consumption and more on building skills and institutions that will support further diversification."

The report suggests that policy makers in Malaysia consider measures to enhance structural reform and management of natural resource revenues going forward, including:

* Improving sustainable consumption of natural resources by increasing the role of Malaysia's formal oil wealth fund, reforming fuel subsidies and reviewing gas pricing.

* Diversifying the economy towards higher productive investments in non-commodity sectors through improvements in human capital and better public investment management systems.

* Adapting agricultural commodity production to the effects of climate change.

The Malaysia Economic Monitor series provides an analytical perspective on the policy challenges facing Malaysia as it grows into a high-income economy. The series also represents an effort to reach out to a broad audience, including policymakers, private sector leaders, market participants, civil society and academia.

The financial sector is part of Malaysia's success

OPINION

Axel Van Trotsenburg

New Straits Times

June 4, 2013

STABILITY: The nation's banks are well capitalised and governance applies equally to all financial institutions

MALAYSIA'S dynamic economy and its rise to middle-income nation status offer lessons for many countries seeking to reduce poverty and build shared prosperity.

The country's economy shows continued strong momentum with real gross domestic product (GDP) growth estimated at five per cent for this year. Malaysia's highly open economy has displayed remarkable resilience in the face of a weak global environment as domestic demand remains robust.

Malaysians now enjoy an annual gross national income (GNI) per capita of almost US$10,000 (RM30,000) and the country is working towards becoming a high-income economy.

Macroeconomic management has been strong and the business environment robust.

The latest figures on household income show that the bottom 40 per cent of people have benefited from economic growth and extreme poverty has been nearly eradicated. The economic and social progress is impressive considering that five decades ago, the GNI per capita was only US$300.

The country's transformation provides many examples of how Malaysia improved living standards for its people.

One area that stands out as a major contributor to Malaysia's success is its innovative and inclusive financial sector.

Malaysia has developed a full range of financial services from microfinance to special loans for farmers tied to growing seasons and financing for small- and medium-scale enterprises.

Malaysia has one of the highest levels of financial inclusion in the world at 92 per cent and the country has taken advantage of mobile phones and online banking to expand access.

Development of an inclusive financial sector is key to building shared prosperity, as access to finance is critical to the ability of small entrepreneurs to grow their businesses and their incomes and to create jobs.

This has contributed to the growth of small- and medium-scale enterprises that now employ close to 40 per cent of the country's workforce.

Malaysia's innovative and sound financial services sector was partly born out of the lessons the country learned from going through the pain and loss of the Asian financial crisis of the late 1990s.

Today's financial sector is underpinned by modern rules, regulations and governance, and solid institutions to ensure stability of the system.

Having learned from the crisis, Malaysia is now sharing its experience with other developing countries so they develop regulatory policies and institutions to help mitigate the risk against a potential crisis.

Fundamental to the stability of Malaysia's financial system is its adoption of compliance with global standards for supervision and regulation of banking and insurance.

At the same time, Malaysia's banks are well capitalised and governance and regulations apply equally to all financial institutions across the country.

In addition, the court system and alternative mechanisms including arbitration facilitate resolution of disputes.

Malaysia has also become a global leader in Islamic finance or participant banking.

During the last decade, the country has boosted financial inclusion partly by developing an Islamic finance agenda to promote stability and stronger ties between finance and the real sector.

Islamic finance traditionally served as an alternative channel for banking and financial transactions in accordance with Islamic practices.

The quality of service and sound practices adopted by Malaysian financial institutions has proven its viability.

The World Bank is looking forward to working with Malaysia to continue sharing lessons from its financial sector success with developing countries where improved financial services could be part of the solution to lift millions of people out of extreme poverty.

World Bank to Support South-South Knowledge Exchange on Higher Education Reforms

PRESS RELEASE

May 20, 2013

Kuala Lumpur, May 20, 2013 – Officials from Algeria, Morocco, and Tunisia working on higher education reform will exchange experiences with Malaysian counterparts at a 4-day workshop beginning today, supported by the World Bank and the British Council Malaysia. The event is part of the Bank’s ongoing effort to encourage countries across regions to learn from each other to find innovative solutions.

“The final goals of higher education are much the same across countries,” said Annette Dixon, Country Director for the World Bank in Malaysia. “We hope our support to bring policy-makers, members of academia and advocates from Malaysia, Algeria, Morocco, and Tunisia together will enable them to learn from each other and explore new ideas that will help improve the quality of higher education in their countries.”

Malaysia acted early to take on many key reforms in its higher education system including the establishment of the Quality Assurance System in the 1990s. Algeria, Morocco and Tunsia will share their experience in improving institutional autonomy and accountability measures for universities.

“Policy-makers from developing countries are learning about how Malaysia successfully implemented key reforms in higher education.  The recent development on institutional reform, which focuses on granting key research universities more autonomy, together with much strengthened accountability, is of particular interest to them,” said Dandan Chen, World Bank Senior Economist. 

The 15-member visiting delegation is meeting with Malaysia’s Ministry of Higher Education and other government agencies to discuss issues such as higher education accreditation, quality assurance, and strengthening governance in universities and colleges. They are also visiting selected public and private universities and colleges to exchange lessons drawn from institutional reforms.

This knowledge event is funded by the Bank’s “South-South Experience Exchange Facility,” which was established in October 2008 to support global knowledge exchange projects that draw directly upon the expertise of developing countries and provides a platform for countries to share lessons.

PERLAKUAN PASARAN SAHAM HUBUNGKAIT ANTARA BERITA DAN AKTIVITI PASARAN

Nota Ringkas


Ada banyak yang masih perlu difahami oleh pelabur.

a) Pasaran menggambarkan berita yang AKAN berlaku dan bukannya yang TELAH berlaku walaupun berita boleh datang dengan MENGEJUT sekalipun. Penganalis yang bijak akan melihat kepada 'apa kesan berita berkenaan terhadap pasaran SELEPAS ianya diproses'?

b) Kadangkala pasaran memberikan tindakbalas terhadap data atau berita. Ada juga berita dan data bertindakbalas berdasarkan pasaran.

Yang mana datang terlebih dahulu? Saya ingin menjelaskan mengenai korelasi antara semua jenis data dan peristiwa yang berlaku selepas langkah-langkah penting diambil oleh pasaran.

Contohnya peperangan, ramai yang menyangka bahawa pasaran akan menjadi teruk atau jatuh. Ini hanyalah reaksi psikologi bagi mereka yang tidak tahu bagaimana pasaran memproses maklumat berkenaan. 

Dan keadaan ini diburukkan lagi apabila manusia menyangka mereka akan kehilangan kerja, keluarga, pendapatan, jatuh miskin terutamanya jika mendengar pelabur sendiri yang mengeluarkan kenyataan berkenaan.

Samalah juga serangan 11 September, jika dilihat ketika itu, kepanikan banyak berlaku tetapi ke mana perginya rasa panik berkenaan masakini? Lihat dulu bagaimana pasaran memberikan reaksi kemudiannya. Sememang dijangkakan, ramai yang menyangka ekonomi dunia akan jadi parah walhal ketika itu, semua data-data telah ada 'backupnya' dan masih beroperasi seperti biasa sehingga kini?

Kita juga pernah mendengar terdapat gempabumi atau tsunami di Jepun, ada kepanikan berlaku. 

Cuba lihat pasaran ketika itu, adakah ianya memberikan reaksi yang teruk? 

Jawapannya 'TIDAK'. 

Ianya mungkin memberikan kesan sementara kepada sekitarnya (ASEAN) kecuali tempat berlakunya bencana alam berkenaan (Jepun) 

Namun, fenomena ini juga membuka peluang kepada pelabur-pelabur berskala besar untuk membeli saham-saham yang dijual murah disebabkan 'selling pressure'. Akhirnya, apabila pasaran kembali pulih, tiba-tiba saham yang dibeli murah itu naik berkali ganda.

Apa yang penting ialah bagaimana pasaran mengendali dan memproses maklumat berkenaan. 

Kata Kunci di sini (dalam konteks pasaran saham) ialah 'Jangan Panik' kerana 'panik' boleh membuka jalan kepada spekulator.

Pada tahun 2001, ketika itu pasaran sedang riuh kerana kejatuhan saham dotcom. 

Pada tahun 2003, US telah menyerang Iraq. Semasa itu, pasaran saham di US jatuh hampir 50%.

Percayakah anda : 

Pasaran 'bear' menyebabkan kejatuhan dalam kadar kelahiran.

Kita lihat, ramai yang masih memberikan reaksi psikologi yang negatif dan menyangka kejatuhan dalam pasaran saham akan menyebabkan mereka akan hilang kuasa kewangan - jadi mereka perlu merancang keluarga mereka?

Namun, pasaran 'bull' pula menaikkan pula kadar kelahiran. Pelik tapi benar. 

Kerana pasaran yang digambarkan sebagai 'bullish' akan meningkatkan lagi jangkaan pelabur bahawa mereka akan membuat untung.

Suasana ini berlaku di US dan kini 'berjangkit' ke serata dunia.

Ini menyebabkan ramai yang melihat apa yang berlaku sebelumnya dan bukan apa yang sedang berlaku. Setiap kali ada berita kejatuhan dunia sebelum ini, pasaran telah mengambil segala langkah untuk memastikan jika ianya berlaku sekali lagi, pasaran dapat memproses maklumat itu dengan lebih matang dan mencari 'kusyen' untuk 'jatuh'.

Jadi kadangkala kita tidak boleh terlalu bergantung kepada kisah lama seperti 'Great Depression' dan 'Big Bubble'.

Tahun 2008 menyaksikan banyak sektor korporat telah mendapat kesan hasil daripada krisis kewangan. Malah ramai 'peramal-peramal' menyatakan, akan berlaku kemelesetan yang teruk. Pemimpin peringkat negara, masyarakat, dunia dsb. pula menganggap 'politik' tidak membantu. Akhirnya apa yang disebut berlaku kemelesetan, tidak berlaku sehingga kini.

Saya bertanya sahabat di U.S., sekiranya 'trading' adalah 1,050, S & P 500 jatuh 16.1%, adakah ini bermakna akan berlaku 'double dip recession'? 

Benar, index mungkin jatuh tetapi trend menunjukkan ianya akan bertahan pada satu tahap dan akhirnya naik kembali pada masa-masa yang akan datang.

Kesimpulannya, pasaranlah yang mencetuskan suasana ekonomi masa hadapan dan bukannya berita (atau khabar) semata-mata.

Lain kali, jika ada pergerakan pasaran saham ke suatu arah tertentu, jangan bertanya "apa yang telah berlaku yang menyebabkan pergerakan berkenaan?" tetapi tanyalah "apa gambaran yang cuba dilakukan oleh pasaran mengenai 'apa yang akan berlaku?' supaya kita boleh mengambil langkah berjaga-jaga.

Jangkapanjang sebenarnya lebih baik dari Jangkapendek.

QUICKEY

Greetings. 

To those who might want to know more about the Share Investment Centre (Maybank Investment), please visit http://www.maybank2u.com.my

What interest me is the HOT Broking Programme introduced by Maybank Investment for newbie (bumiputera especially) but potential investors to be part of the retail market by investing into selected syariah counters.

But before investors decide to invest, they must first get the Yellow Form or Acknowledgement of Receipt from Ministry of Trade and Industry (MITI) and definitely there are rules to be followed for both category - individual or company (in most cases Private Limited - Sdn. Bhd.)

I do 'hear' few proposals as well but I do not know how true they are : 

a) To open up eligibility of Bumiputera to invest also for enterprise/partnership entities as well. (I notice in one IPO notice from Maybank Investment indicating 'enterprise entities' are eligible but MITI; I think clearly mentioned that it is for "Sdn. Bhd." )

If this is true (that enterprise/sole prop can apply for Bumi shares) then it is a good thing to do but there may be additional requirements to ensure that 'enterprise' (sole prop) entities have audited accounts (which is the same in the partnership - pursuant to Partnership act - but any act never mention a sole prop should also have audited accounts. The problem is because some of their clients require the supplier to have audited accounts but the supplier is only an enterprise entity which by law do not require audited accounts - perhaps an income statement )

b) Liberalization of retail market (syariah counters) branching out to Singapore, Brunei and Indonesia.

Alas, this is only my personal opinion - nothing to do with ROS/SSM, Maybank or MITI. Please contact the right authorities for further information.

THE PASSWORD MANAGEMENT GUIDE

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By Mohammed Al-Marhoon
https://www.facebook.com/almarhoon1

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