NEP kill us off.
making the whole economy inefficient.
misuse of NEP making it worse.

still these is just a part of factor that we are less competitive than our neighbors.

ringgit pegging have been a serious problem if we aim to become financial hubs.
making us less competitive compare to singapore or hk. as their trade are much more free flows than ours.
badawi sleeping periods also damped our development by several years.