hi poyozer,

you listen/read but perhaps you don't understand.
how do you suppose ptptn survive and finance their operations?
it can't be from some "wang ehsan" altogether.

so, it doesn't matter what they call it (e.g admin fee).
it's a mean for ptptn to sustain their operational expenses.

go to a bank and ask for an education loan..
then you'll know why some abang here are furious about why you're so immature to shout about a 3% annum cost.