they can access our CCTOS/CCRIS record from bank as well. might be regulation don't allow them? idk.

Regarding loans, I understand (probably a BAFIA Act confidentiality concern), but why aren't our monthly expenses/commitment for utilities such as electricity, water, and broadband/mobile access included in our net disposable income calculation? Are they more challenging parameters to consider? At least it considers education expenses which it usually a burden for some families with many children.

This post has been edited by eclectice: Jan 4 2024, 05:49 PM

Gomen dun care this. Janji do what they said earlier. You register, you expose yrself to scammers.

Do you think they even hired any accountant or at least someone with some practical sense to set up this thing? Basic stuff like this cannot get it right but expects people to sign up kek

for government staff, all the data is already available to them. got lhdn, epf. number of children asset etc. no need to register ? for what?

This post has been edited by kurtkob78: Jan 4 2024, 05:57 PM

becoz lapizi want to know how much u spent and how money money u left after u get your income stated in LHDN.. also want know your lifestyle, basically want to know everything.. maybe can sell this info to relevant party, then have more money to "enhance" the system..

It is akin to helping only one M40 group who spent their income to buy Mercedez with rm3,000 monthly loan repayment while neglecting another M40 group who spend only rm500/mth loan for a Peroduo Axia and saved their remaining money in fixed deposit.

Can you imagine that M40 who drives Mercedez is entitled to the subsidized fuel but not the one who drives Peroduo Axia?

This post has been edited by LISA CH: Jan 4 2024, 09:58 PM

How u know the mechanics is working like that ?

More or less like that. They are asking questions about disposable income and financial commitments. How many kids in a household? So simplifed.

If the Gov decides the rakyat should not enjoy subsidies. Then it should apply to all regardless of who manage to save more in the bank. Why only those who know how to spend monies got subsidies and penalized people who save monies?

People who managed save some monies in the bank had also sacrified by forgoing alot of other things in life. Has the Gov considers this?

This is called pilih kasih.

This post has been edited by LISA CH: Jan 4 2024, 10:20 PM

really keen to know about this disposable income. how high is high, how low is low, as gomen want to give subsidies based on disposable income too. sometime disposable income may bring false assumption to someone financial capability. different people have different conmitment.

tbh, collect too detail info may made government more pening la. example person A earn 6k, but disposable income 4k while person B earn 10k, but disposable income is 3k. lulz.

Only has the insurance part
The rest I am not entitled to borrow or not needed. Hope they won't cut my subsidy for that.
Also I am not the sole breadwinner. Not sure whether I should nominate myself as one so I could key in my retired father with pencen and housewife mum into the database. Parents contribute equally on groceries while I handle the bills.

I hope they're just collecting data to figure out a fixed subsidy ceiling to set (spend more than that? pay premium then). If it is as you say where more commitment = more subsidy it's gonna be fucking comical.

'You're not eligible for loan? OK fuck you too no subsidy for you.'

The internet would literally explode, we're gonna have a field day everywhere we go.

that the point.. add more headcount to go through the data or develop even more people develop more complicated PADU 2.0

produk x final tapi push to the raykat as labrat

Is this PADU system is to replace Bantuan Tunai STR in Hasil gov website ?

they don't even put that in PADU for verification. just asking monthly loan commitment.

Komitmen credit card put under what? Pinjaman peribadi?

Malaysians remain hesitant as Padu registration reaches 1.3 million
By New Straits Times - January 22, 2024 @ 3:13pm

KUALA LUMPUR: Only 1,367,324 people have registered for the Central Database Hub (Padu) as of yesterday, indicating substantial scepticism among the public regarding the government's initiative.

This registration figure accounts for approximately 4.7 per cent of Malaysians aged 18 and above, while the system targets enrollment from around 29.8 million people.

As per the latest updates from the Department of Statistics Malaysia (DOSM), only five states have surpassed 100,000 registrations after 20 days since the Padu system launch.

These include Selangor with 262,677 registrants, Sarawak (164,179), Johor (160,433), Perak (121,032), and Sabah (110,087).

Meanwhile, states with registrations below 100,000 include Kedah with 87,315, Kuala Lumpur (81,617), Kelantan (73,559), Penang (70,217), Pahang (66,624), Negeri Sembilan (63,756), Terengganu (58,165), Melaka (42,133), Perlis (14,637), Putrajaya (6,732), and Labuan (3,931).

Malaysian Consumers' Association of Cybersecurity (MCCA) president Siraj Jalil said the slow progress in Padu registration indicates existing skepticism among the public.

He said this was following concerns about user data security and a lack of understanding about the necessity of registering are prevailing.

"Since the first day of Padu registration opening on Jan 2, issues related to data security have already been raised, coupled with data leakage involving government agencies on social media, indirectly creating concerns.

"At the same time, the public also questioned the need for them to register their information in the system when the requested data is already available at the National Registration Department (NRD), Inland Revenue Board (IRB), and Social Security Organisation (Socso).

"Some also questioned whether their data is being protected 100 per cent if they register in the system. This issue needs to be addressed at the government level so that the registration progress can proceed smoothly," he told a Malay daily.

Siraj said the government must address these concerns promptly, highlighting the need for a clear communication mechanism to ensure smooth registration progress, considering the significant risk if the pace remains slow until the March 31 deadline.

With approximately 27 million people yet to register, the impending deadline is causing heightened concerns.

Launched by Prime Minister Datuk Seri Anwar Ibrahim on Jan 2, Padu consolidates data from various government agencies under one roof.

It stands as one of the outcomes of the Madani government's new approach, showcasing agile implementation and the collective efforts of the entire government.

The implementation of Padu is to improve management efficiency that facilitates collecting, storing and managing data from various sources.

It also aims to improve the delivery of government services with Padu for better and more efficient services to be delivered to the people.

Apart from effective monitoring and evaluation of the implementation of national policies, Padu which is an integrated and centralised database can save resources significantly.

Meanwhile, Information Technology consultant expert, Ridzman Azzahari said the government needs to utilise its remaining time to address the issues causing slow registration progress.

He said the government should categorise the registered groups by age to determine which group is causing the slow registration progress.

"Once the data is available according to these age categories, only then can the government mobilise efforts to target the group causing the slow registration of the Padu system and assist them in doing so," he said.

Ridzman added that the main issue causing many not to register is the habit of 'waiting until the last moment' to do something, even though it poses a significant risk to their future.

Source: https://www.nst.com.my/news/nation/2024/01/...ches-13-million

i was thinking about the same… as we read, 90% already signed up.. am still receiving sms to sign up before 31/3/2024..