Scribd is the worlds largest social reading and publishing site. News AKPKSpeaker Encik Abdul Rasheed Ghaffour. Venue Multi Purpose Hall, Lanai Kijang. Walaupun malas untuk pergi ke limbungan pembinaan kapal NGV Tech di Sijangkang, akhirnya saya mengalah kerana ada rakanrakan yang mahu melihat bentuk kapal. Abstract Background. In older adults, diminished balance is associated with reduced physical functioning and an increased risk of falling. This is an update of a. Keperluan pendekatan kaunseling islam dalam menangani masalah kemurungan pelajar politeknik sultan salahuddin abdul aziz shah,shah alam,selangor darul ehsan,malaysia. Language English Speech. Date 0. 7 Apr 2. Saya amat berbesar hati dapat bersama tuan tuan dan puan puan sekalian pada pagi ini sempena majlis pelancaran modul pengurusan kewangan Persaraan Bermulanya Perjalanan Baru yang dibangunkan melalui usahasama antara dua agensi penting dalam bidang pengurusan kewangan individu, iaitu AKPK dan KWSP. Usaha ini amatlah dialu alukan dan tepat pada masanya. Perkembangan semasa yang mencabar mengingatkan kita betapa pentingnya keperluan untuk meningkatkan kesedaran mengenai pengurusan kewangan berhemat, terutamanya di dalam merancang persaraan dan masa depan. Sekalung tahniah saya ucapkan kepada AKPK dan KWSP di atas usaha dalam menjayakan modul ini. Ini adalah contoh usahasama bagi mencapai matlamat yang lebih penting dalam pendidikan kewangan. Majlis ini juga merupakan peringatan yang baik mengenai kepentingan untuk meningkatkan celik kewangan rakyat Malaysia untuk mengurus dan merancang hal kewangan mereka dengan bijak demi masa depan yang lebih cerah dan selesa. Importance of Financial Literacy. There is a growing concern on the low financial literacy level of Malaysians as measured by financial knowledge, attitudes and behaviours. Based on the Financial Capability and Inclusion Demand Side Survey conducted by Bank Negara Malaysia in 2. Malaysians can be described by First the majority of Malaysians have inadequate knowledge on financial matters to enable them to make informed financial decisions, particularly among the vulnerable groups Second a significant majority of Malaysians display short sighted tendencies and are inclined to live for the moment that is to only focus on instant gratification at the expense of long term financial planning Third more than 7. Malaysians find it difficult to even raise RM1,0. Fourth only a quarter of Malaysians have any form of investment and. Fifth most Malaysians indicated that they will face financial pressure should there be a loss of income. Therefore, building the financial capability and literacy of Malaysians is certainly a priority for the nation. What we want to achieve is to improve peoples ability to manage money well through their entire life cycle, and their ability to handle periods of difficulties. Financially literate population will help to improve the well being of individuals and households ensure a sound and competitive financial system as well as contribute to the sustainable growth of the economy. Let me explain further on the importance of elevating financial literacy For individuals and households financial literacy has become a key life skill. Those who go through life by making sound financial decisions will potentially be more resilient and end up with a much higher standard of living throughout their lifetime, including during retirement. With the right knowledge and skills individuals can live within their means manage finances and improve chances of achieving their ultimate financial goals. A financially literate Malaysian would be aware of the importance of long term financial planning and will actively save for the future. Empowered financial consumers is an important element in enhancing market discipline and promoting financial stability. Financially literate consumers can collectively influence the behaviour of financial institutions to operate in a responsible, transparent and efficient manner. Financial institutions would be more competitive and motivated to provide proper advice and offer suitable products, including that can support long term financial planning. Successful channelling of savings into productive investment opportunities will also promote better economic growth. Greater use of financial products as well as prudent use of credit among households would promote wealth creation. A nation with a more literate population can achieve greater financial inclusion through the access and appropriate use of financial products and services. Such households would facilitate in achieving the intended outcomes of macroeconomic policies. Let me focus on three areas that are relevant towards shaping a better future in the context of financial literacy First long term financial planning begins at young age and relevant at each key life stages. Second on the individual responsibility to take charge of its own financial decisions and well being and. Third building financial capability and enhancing literacy is a shared responsibility. I will share the on going collaborative efforts undertaken to raise financial literacy among Malaysians. Talking about Long Term Financial Planning. Based on Bank Negara Malaysias observation there is a continuing concern on the lack of attention to long term financial planning among a majority of Malaysians. Only 4. 0 of Malaysians are financially ready for retirement. A recent focus group discussion with retirees shows that they would still rely on their children or purchase using credit in the event of emergency or for higher value items. This could be a result of lack of financial planning when they were younger. Generally, the younger population aged between 2. Therefore, financial education introduced from an early age and throughout life events is certainly essential. With sufficient basic financial knowledge and relevant skills ingrained into the younger individuals behaviour and attitude they will be more prepared and empowered to lead a healthier financial lifestyle as they move into adulthood. Financial education from young serves as a firm foundation to influence behaviour for a more sustainable life long financial planning. Towards this end, Bank Negara Malaysia, in collaboration with the Ministry of Education has successfully integrated basic financial education elements into the school curriculums beginning 2. Similarly, greater attention should also be accorded to long term financial and retirement planning from young, or when entering the workforce. There should be greater awareness on the importance of saving for the future. As most of us here represent employers throughout Malaysia, I would urge that financial education and planning aspects should be embedded in our training modules, including the retirement module developed by AKPK and KWSP. Moving on the second focus area on Individual responsibility to take charge of its own financial decisions and well being. The Financial Capability and Inclusion Demand Side Survey 2. Malaysians are not adequately taking charge of their own financial decisions and well being. Reviews Of T-Tapp Exercise Program here. For example, with regard to retirement one in three Malaysians are very worried about their retirement. Despite the worries, Malaysians adopt a passive strategy for their retirement planning such as relying mainly on the government or statutory bodies such as KWSP to fund their retirement needs. As mentioned earlier, many of KWSPs contributors have insufficient funds for their retirement. This brings us to another question what are their fall back plansApparently, nothing concrete. The top three plans indicated in the survey are First to rely on passive savings, which may not be sustainable Second to rely on children or family members and. Third to always continue working. Most financial decisions are influenced greatly by a persons behaviour and attitude. KAPAL PERANG BUATAN MALAYSIA DILANCARNAK TAMBAH JERJANGAN JUGA NAK HAPUS YER Kilas Balik Belanja Alutsista Sepanjang 2. Kamis, Desember 2. IDBhttp indo defense. ARC IDB 1. 1 hari lagi, tahun 2. Sepanjang tahun 2. TNI khususnya dalam bidang Alutsista. Berbagai kontrak pengadaan hingga kedatangan alutsista baru mewarnai bulan demi bulan di tahun 2. Diantara yang menjadi catatan penting antara lain kontrak pengadaan Kapal Selam, PKR1. KCR 6. 0, Su 3. MK2, heli NBell 4. PT. DI hingga pengadaan meriam Caesar dan Astros. Sementara alutsista yang sudah tiba antara lain Super Tucano, CN 2. KRI Kujang hingga tambahan pesawat latih KT 1. B. Ssstt konon katanya, pengadaan kapal multi role light fregate Nahkoda ragam terus berjalan. Bahkan Mabes TNI AL sudah menyiapkan satuan tugas untuk keperluan pelatihan dan menjemput kapal eks Brunei ini. Selain itu, beberapa peristiwa menyakitkan juga terjadi di tahun ini. Desember 2. 01. 1, Kemhan RI DSME Korea Selatan Tandatangani Kontrak Pengadaan Kapal Selam. Kementerian Pertahanan Republik Indonesia menandatangani kontrak pengadaan tiga unit kapal selam dengan perusahaan galangan kapal asal Korea Selatan, Daewoo Shipbuilding Marine Enginering DSME. Kontrak tersebut ditandatangani kedua belah pihak. Pihak Kemhan RI diwakili oleh Kepala Badan Sarana Pertahanan Kemhan RI Mayjen TNI Ediwan Prabowo, sedangkan pihak DSME diwakili oleh President CEO DSME Sang Tae Nam, Selasa Malam 2. Kemhan RI, Jakarta. Desember 2. 01. 1, Indonesia dan Rusia Tanda Tangani Kontrak Pembelian 6 Su 3. MK2. Kementerian Pertahanan Republik Indonesia memastikan membeli enam unit jet tempur Sukhoi Su 3. MK2 dari Rusia sebagai bagian dari rencana strategis untuk memenuhi kekuatan udara pesawat tempur Sukhoi hingga satu skuadron atau setara 1. Februari 2. 01. 2, Kapal Selam Nanggala Tiba di Perairan Indonesia. Kapal selam TNI Angkatan Laut KRI Nanggala4. Indonesia, setelah menjalani perbaikan menyeluruh di Korea Selatan selama hampir dua tahun. Februari 2. 01. 2, RI Punya Pesawat Kepresidenan. Presiden Indonesia kini resmi memiliki pesawat kepresidenan. Pesawat seri 7. 37 8. Boeing Business Jet 2 BBJ 2 yang dibeli langsung dari pabrik Boeing telah diserahterimakan pada tanggal 2. Januari 2. 01. 2 di Amerika Serikat. Jika tidak aral melintang, pesawat tersebut akan mulai melayani tugas kenegaraan Presiden Susilo Bambang Yudhoyono SBY pada Agustus 2. Februari 2. 01. 2, TNI AL Dapat Kapal Baru. TNI AL Armada Barat mendapat tambahan kapal baru, KRI Kujang 6. Kapal itu diserahkan pada Kamis 1. Dermaga Selatan Pelabuhan Batu Ampar, Batam. Komandan Satuan Kapal Patroli Armada Barat Kolonel Pelaut Denih Hendrata mengatakan, KRI Kujang merupakan kapal kelima di satuannya. Adobe Photoshop Cs6 Portable Mac there. KRI Kujang termasuk jenis KCR 4. PT. Palindo Marine Shipyard. Februari 2. 01. 2, Indonesia dan China Sepakati Alih Teknologi Rudal. Pemerintah Republik Indonesia RI dan China sepakat memantapkan proses alih teknologi serangkaian produksi bersama peluru kendali C 7. Proses alih teknologi menjadi syarat utama dalam setiap pembelian alat utama sistem senjata alutsista dari mancanegara, termasuk peluru kendali dari China. Maret 2. 01. 2, Tiga Unit Helikopter Bell 4. Perkuat TNIPT Dirgantara Indonesia menyerahkan tiga unit helikopter Bell 4. Kementerian Pertahanan untuk operasional TNI Angkatan Darat dan TNI Angkatan Laut. Penyerahan dilakukan Direktur PT DI Budi Santoso kepada Wakil Asisten Logistik Kasad Brigjen TNI Nengah Widana, Asisten Logistik Kasal Laksda TNI Sru Handayanto di hanggar helikopter PT Dirgantara Indonesia di Bandung, Jumat. Maret 2. 01. 2, Sampai 2. Kemhan Pesan 4. 0 Helikopter. Kementrian Pertahanan Kemhan Republik Indonesia berencana memesan kembali sekitar 4. TNI Angkatan Darat, Angkatan Udara, dan Angkatan Laut kepada PT Dirgantara Indonesia PT DI. Hal tersebut disampaikan oleh Mentri Pertahanan Menhan RI, Purnomo Yusgiantoro. April 2. 01. 2, Kontrak 6 EC7. Combat SAR untuk Indonesian disepakati. PT. DI dan Eurocopter sepakat untuk kerja sama pengadaan 6 unit heli SAR Tempur EC7. TNI AU. Dengan demikian, sebelum diserah terimakan Helikopter ini akan dikirim terlebih dahulu ke PT. DI untuk dirakit ulang lalu kemudian diserahterimakan. Kontrak pengadaan sendiri telah disepakati sebelumnya pada tanggal 1. Heli ini rencananya akan memperkuat TNI AU mulai tahun 2. April 2. 01. 2, 2 helikopter S 3. C akan perkuat Penerbad. Pabrikan Sikorsky Aircraft mengumumkan penjualan 2 unit Heli latih S 3. C dengan opsi 4 tambahan kepada Indonesia. Helikopter ini nantinya akan memperkuat skadron latih Penerbangan TNI AD. April 2. 01. 2, Kesepakatan Kerjasama Jangka Panjang antara PT DI dan Airbus Military Ditandatangani. PT Dirgantara Indonesia dan Airbus Military melakukan peresmian kerja sama strategis jangka panjang. Kerja sama itu ditandatangani kedua perusahaan. Dalam kerja sama ini dipaparkan rencana revitalisasi PT DI dengan proyek proyek kerja sama dan pengembangan bisnis yang spesifik. Kesepatan kerja sama ditandatangani di Lanud Halim Perdanakusuma Jakarta, Rabu 1. April 2. 01. 2, TNI AL akan Menambah Pesanan 2 CN 2. PT DIKomandan Pusat Penerbangan TNI AL, Laksamana Pertama Sugianto, membenarkan bahwa jajarannya melakukan pemesanan 6 unit pesawat kepada PT Dirgantara Indonesia. Pesawat pesawat itu terdiri atas 3 unit CN 2. Bell 4. 12 EP. Sugianto menjelaskan, pemesanan keenam pesawat tersebut merupakan bagian rencana penambahan alat utama sistem persenjataan alutsista. April 2. 01. 2, TNI AL Pesan Kapal Tanker. Kamis 2. 641. 2 pagi, Asisten Logistik Aslog Kasal Laksamana Muda TNI Sru Handayanto, meresmikan pembuatan kapal perang jenis tanker pertama oleh PT Anugrah Buana Marine ABM Bojonegara. Aslog Kasal Laksamana Muda TNI Sru Handayanto mengatakan, untuk membuat kapal tersebut dibutuhkan waktu selama 1. Mei 2. 01. 2, Indonesia Rusia Teken Kontrak Pembelian 3. Tank Amfibi. Kementerian Pertahanan Kemhan dan perwakilan JSC Rosoboronexport di Indonesia menandatangani kontrak pembelian 3. BMP 3. F Seri 2 senilai 1. Amerika, Jumat. Penandatanganan kontrak ini diwakili oleh Kepala Badan Sarana Pertahanan Kemhan, Mayjen TNI Ediwan Prabowo dan Kepala Perwakilan Rosoboronexport, Vadim Varaksin. Mei 2. 01. 2, First Steel Cutting KCR 6. Dilakukan di PT. PALBersamaan dengan Sidang Pleno Ke VI KKIP, dilaksanakan pula Steel Cutting KCR 6. Keel Laying Tug Boat Kapal Tunda. Kapal tersebut merupakan pesanan dari TNI AL yang dibangun di PT. PAL Indonesia, sebagai wujud nyata komitmen PT PAL Indonesia Persero mendukung terciptanya kemandirian bangsa dalam memenuhi kebutuhan Alutsista dan kemajuan industri pertahanan nasional. PT. PAL Indonesia menerima order pembuatan kapal KCR 6. M sebanyak 3 unit dan Kapal Tunda 2. HP sebanyak 2 unit. Kontrak secara efektif telah ditandatangani antara PT PAL Indonesia dan TNI AL melalui Dinas Pengadaan Mabesal pada tanggal 2. Desember 2. 01. 2. Juni 2. 01. 2, Kemhan RI Tandatangani Kontrak Pengadaan 1 Unit Kapal PKR 1. Kementerian Pertahanan Republik Indonesia Kemhan RI melalui Badan Sarana Pertahanan Baranahan secara resmi menandatangani kontrak pengadaan 1 unit Kapal Perusak Kawal Rudal PKR 1. Damen Schelde Naval Shipbuilding DSNS, Belanda. Kontrak ditandatangani oleh Kepala Baranahan Kemhan Mayjen TNI Ediwan Prabowo yang mewakili Kemhan RI dengan Director Naval Sale of DSNS Evert van den Broek yang dalam hal ini mewakili pihak DSNS, Selasa 56 di kantor Kemhan, Jakarta.