The country mourn and mourn and mourn.

The mainstream media mourn and mourn and mourn.

So called "experts" become "apologists" for the system.

And it is always the people at fault, never, never, never the system.

There are monetary reformers nationally and internationally like Movement for Money Justice Malaysia and International Movement for Money Reform who have identified the problems and offerred the solutions but ignore them they are terrorists.

Rely on our traditional economists and Economics Professors at Universities.

What if they do not understand or realise what the Monetary Reformers understand?!

What if the Monetary system was wickedly designed by a certain group of people to benefit themselves?

What if they also controlled the Education System to ensure noone understands the exact evils of the monetary system?!

Nah, the Monetary Reformers are terrorists.

Ignore them.

Lets just continue to mourn, and mourn and mourn.......

https://telegra.ph/MMJ-Home-01-04

Saluran Gerakan Keadilan Monetari,  https://t.me/MovementForMonetaryJustice adalah dibuka kepada awam. Sesiapa pun boleh sertai saluran ini. Tiada had.

Anda juga boleh memberi komen atau bincang di grup yang dihubungi terus ke saluran ini. Untuk menyertai grup diskusi sila guna link ini:
https://t.me/+VWwxCN0nOO-iMrvJ

Permohonan ke grup tertakluk sepada kelulusan pentadbir grup untuk elak skamer.

Sila warwarkan.

BREAKING: 🇺🇸🇮🇱 The House has passed the bill that will merge the U.S.-Israeli militaries.

It now moves to the Senate for the final vote.

@Megatron_ron

Komen MMJ

Assalam. Kini US Congress telah lulus gabungan Tentera Amerika Syarikat dengan Tentera Israel!

Apakah kita berharap US Senate akan batalkan Keputusan ini?

Parti Presiden Trump milik 57 kerusi majoriti dalam Senat US.

Lagi pun ahli parti Demokrat juga di biaya Yahudi penyokong Israel.

Inilah yg dimaksudkan Allah swt dan RasulNya istihar perang terhadap pengamal riba.

Kesan longgokkan wang haram mengamal riba memberi mereka kekayaan haram ini sehingga dapat menguasai negara Amerika.

Mereka mengamal bisnis riba dari zaman Nabi Isa a.s. lagi.

Dengan kekayaan haram ini mereka berhijrah ke Amerika. Disana mereka terus membiak bisnis riba mereka sehingga menguasai ekonomi Amerika (baca 'The International Jew' oleh Henry Ford)

Mereka sejurusnya menguasai demokrasi Amerika dg membiayai kedua dua parti dan calon Presiden parti Republican dan parti Demokrat.

Siapa saja jadi Presiden Amerika, dibawah telunjuk jari mereka.

Kemudian lima keluarga perbankan Yahudi memilikki BNM Amerika, yakni Federal Reserve.

Rothschild, Rockefeller, Morgan, Warburg dan Kohn-Leub.

Untuk menguasai dunia mereka milikki Bank of International Settlements diBasel Switzerland.

Governor- governor Bank Pusat satu dunia termasuk BNM, pergi ke Basel dua kali setahun utk bawa balik polisi arahan Yahudi utk diamal diMalaysia dan negara2 sendiri.

Pada tahun 1944 diBretton Woods, dunia bersetuju USD jadi wang antarabangsa. USD bersandar emas, duit negara lain bersandar kpd USD.

Sejujurnya Amerika tidak boleh cetak USD melebihi pengangan emas.

Tetapi sebab USD permintaan tinggi didunia utk ekspot impot, pelancongan, pelajaran dan seumpamanya permintaan USD tinggi satu dunia.

Amerika boleh cetak USD sawenangnya tanpa sesiapa sedar.

Percetakkan USD ini lah diberi tanpa henti kpd Israel utk hancur Gaza dan Palestin.

Iraq, Afghanistan, Syria juga telah dihancurkan oleh cetakan USD oleh Amerika ini.

Kita boleh ubah keadaan dan ubah sistem ini bi iznillah.

Tetapi perlu sedikit kurang ketaksuban terhadap sistem barat oleh BNM, Kerajaan dan Akademia.

Contoh, Reformasi domestik sistem monetari dan perbankan, boleh manfaat negara secara domestik tanpa sentuh USD.

Biarlah itu dilaksana kuasa besar Rusia dan China dahulu.

Masaalah kita ialah ketaksuban pihak2 yg mampu membawa perubahan.

Janganlah bawa umat bersama kamu kelubang biawak.

NEW: 🇮🇱🇺🇸 An American doctor recounts how Israeli soldiers took two Palestinian children in Gaza from inside the Nasser Medical Complex

They tied them up, and buried them alive until they died in a mass grave, amidst the screams of the two children who suffocated on the dirt

@Megatron_ron

https://www.facebook.com/share/r/1F51GsDWLW/

Basic must know for all Monetary Reformers, experienced and new
1. There is nothing in existing articles in our current education system that supports our views.
2. Monetary Reform is a very new knowledge that exist in the world only from 2012. And in Malaysia 2016. Apart from individual efforts like the book called the Theft of Nations written by Prof Kameel in 2004.
3. Economics literature is not a source of reference for the subject of Monetary Reform. There is basically nothing in Economics Literature that supports our normal understanding in Monetary Reform.
4. Supporting articles on Monetary Reform only comes from Movement for Monetary Justice website and International Movement for Money Reform website.
5. Basic differences between Monetary Reform and Economics as a Subject are as follows ;
a) Economics do not address who creates money in the nation. Monetary Reform declares banks create 95% - 97% of (numbers) money in  a nation, Central banks create 3% - 5% of money in paper notes and coins. (Confirmed by Bank of England and Bundesbank Europe. Ignored by Economic Textbook)
b) Monetary Reform identify Banks misallocation of loans/financing as havoc to economy. 70% to personal loans and personal sector leads to permanent inflation  widening poverty gap and rocketing house prices. 30% to real sector of which only 16% to SME sector (creates 70% of jobs) leads to youth and graduates unemployment (260m youth unemployed in the world), stunted wages and salaries for all.
c) Economists celebrates GDP growth ; Monetary Reformers celebrates only if accompanied by narrowing of poverty gap in nation
6) Monetary Reformers acknowledge Monetary system originally designed by evil people. And this fact and the evils of the monetary system is deliberately not disclosed in our education system. So those that went through our current education system will not know what monetary reformers today know.

These are the basic must know for all experienced or new Monetary Reformers.

https://telegra.ph/MMJ-Home-01-04

Saluran Gerakan Keadilan Monetari,  https://t.me/MovementForMonetaryJustice adalah dibuka kepada awam. Sesiapa pun boleh sertai saluran ini. Tiada had.

Anda juga boleh memberi komen atau bincang di grup yang dihubungi terus ke saluran ini. Untuk menyertai grup diskusi sila guna link ini:
https://t.me/+VWwxCN0nOO-iMrvJ

Permohonan ke grup tertakluk sepada kelulusan pentadbir grup untuk elak skamer.

Sila warwarkan.

https://malaysiagazette.com/2026/07/25/tengku-zafrul-kukuhkan-lantai-ekonomi-malaysia/?fbclid=Iwb21leATRLWBleHRuA2FlbQIxMQBzcnRjBmFwcF9pZAwzNTA2ODU1MzE3MjgAAR6bf7vsti-LEIH-_FVCTumex3GKSQVML9oLo-_8fDRRG95UmFHrP5o2O7ag1g_aem_aUUYlJjuk3i1JvS1KL4zGA

Komen MMJ

Suatu ungkapan yg menunjuk kedangkalan ilmu seorang yg ditugas mengawas ekonomi.

Tiada ilmu langsung tentang havoc nya bank kpd ekonomi.

Tidak faham bank diberi hak cipta wang dalam negara moden, yakni 95%-97% jumlah wang sesebuah negara.

Tidak faham wang tersebut harus di hala ke sektor sebenar real economy untuk hasil output ekonomi dan pekerjaan.

Kini 70% wang dihala kpd personal loan dan personal sector menghasil permanent inflation yg menderitakan rakyat dan melebarkan jurang miskin kaya.

Disuatu dunia Sektor SME menghasil 70% pekerjaan.

Saperti didunia Malaysia hanya menghala terlalu sikit , hanya 16% loan/ pembiayaan kpd sektor yg mencipta 70% pekerjaan dinegara.

Anak muda dan graduan menganggur dan underemployed. Ibu ayah mereka pun gaji ciput kerana pekerjaan tidak tercipta.

Bank membuat keuntungan RM44 bilion tiap2 tahun.

Dangkal pemikiran utk memindah kan keuntungan bank ini menjadi kuntungan rakyat.

BNM junjung kata2 Yahudi menyanjung risiko; tidak mampu memahami atau memandang hina Qaiddah Fiqhiyyah AlGhunum bi AlGhurm.

BNM hamba fikiran Yahudi; kerajaan melaung BNM ada hak mutlak utk buat apa saja.

Kerajaan bergantung nasihat kpd pakar ekonomi yg ditipu berabad oleh sistem pendidikkan mereka.

Tidak pernah dengar NGO antarabangsa International Movement for Money Reform

Tidak pernah dengar NGO antarabangsa Reform Economics yg sedang revolusi pemahaman economics.

Pandang rendah MMJ - Gerakan Keadilan Monetari sbb lokal dan tiada orang putih dalamnya.

Sepuluh kali tukar kerajaan pun kalau ini lah kumpulan yg mengepalai ekonomi negara tiada perubahan akan dirasai umat, selain terus dipaksa kelubang biawak.

https://telegra.ph/MMJ-Home-01-04

Overheard in a school alumni group.

Re the LTH RCI

The message to the Malay voters is, go ahead vote for them

See what they did to Tabung Haji.

If it was actually revealed, the figures lost is probably standard percentage of Corruption if there ever is one.

It's not 1MDB2 but the Malay voters must believe so.

The Malaysian economy is not about corruption.

It is about not implementing Quran and Sunnah.

It is about implementing Western democracy where the Mat Rempit vote is equal to the AlAzhar scholar vote.

If Mat Rempits is the majority, then live with it, Mat Rempits will rule the country.

Perfectly legit, must accept.

In this world of little faith corruption is compulsory to win elections.

If not from govt funds it is money from AhLong and drug dealers and even foreign sources.

Lets not be fairy tale believers lah.

It's also about the evil riba system which makes riba masters rich and people poor.

A zero corruption govt, the economy will still suffer from permanent inflation, jobless youth and graduates, ciput gaji for parents and rich gets richer, poor gets poorer.

No amount of Rafizi or Syed Saddiq or Muda will solve the problem.

An education system that hides the evils of the monetary system does not help.

And it produces people who dont believe there are solutions in Quran and Sunnah.

If one is ill one goes to the doctor to diagnose.

But with this illness no need doctor but we keep trying one ubat after another, or just alternate and repeat the same ubat, and then just endlessly continue to mourn.

There is no solution in trying to kenal diri, kenal sejarah.

https://telegra.ph/MMJ-Home-01-04

https://www.nst.com.my/business/economy/2026/07/1499569/digital-experience-key-islamic-bankings-relevance-says-bank-islam

MMJ Comment

The Riba masters, the designer of our current monetary and banking system, domestic or international, love to demonise risk to the level of a plague, so that bankers are permanently tied to debt transactions.

Islamic bankers should have taken a different path but when they are also placed under the bastion of riba banking in Malaysia, Islamic banks are also governed as riba institutions, instead of institutions governed only by Shariah.

Demonisation of risk leads to Islamic banking embracing debt financing and avoiding equity banking like the plague.

Islam legislates risk with the Qaiddah Fiqhiyyah (Islamic Legal Maxims), AlGhunm bi AlGhurm.

Rewards with Risk.

No Muslims is entitled to any reward unless he is willing to accept the risk.

Hence in the Madinah economy the key Islamic transactions are equity principles of Mudarabah and Musyarakah.

There were no debt transactions except for Bai Istirar.

You are a baker. Your client takes your bread every week but pays only at end of month. So there is a minor element of debt financing there.

Interest free debt, Qardhul Hasan to help people to buy food or similar.

Borrower encouraged to give lender a hibah if he can afford it.

Debt transactions never for business.

However Islamic banking witnessed the dubious stretching of Islamic debt principles to appease a certain regulator

Islamic Debt principles were stretched beyond its original intention.

Barely keeping within Fiqh parameters with Maqasid Shariah thrown to the wind.

And how nice to have transactions regulators preferred, endorsed for them, when the Prophet saw would probably have frowned on them.

Hence the importance to have Syumul education for the population.

That would at least trigger red flags for the policy makers.

Denied of such education they probably prided themselves in their miseducation.

Today we hear of respected scholars being charged of financial crimes beyond our belief!

It may be suggested they are not fraudulent.

Perhaps we should create a new crime called criminal uncleverness that would allow them to be duped into unscrupuluous businesses.

Our education should be syumul and remains syumul.

In the scheme of things, independent thoughts are frowned upon by those in power and those in support of power. C'est la Vie.

Reading what she says she is beginning to tread on dangerous grounds.

Pooh poohing basic demands of aqad looks like.

Aqad on debt transactions for that matter.

There are reasons for strict requirements of Aqad.

Aqad saved Muslim investors from the sub prime debacle!

Looks like she wants more liberal interpretation of Shariah than the excesses it is already in!

Perhaps it would be wise for people to begin to fear rude wake ups, in a place where apologies are no longer accepted.

https://telegra.ph/MMJ-Home-01-04

🪙

Whats happening in UK? Action by Positive Money, their MMJ.

Last year less than £1 in £10 of UK bank lending went to investment in the real economy.

Sign-up to redesign our economy today 👉 /bit.ly/redesignecon2

Saluran Gerakan Keadilan Monetari,  https://t.me/MovementForMonetaryJustice adalah dibuka kepada awam. Sesiapa pun boleh sertai saluran ini. Tiada had.

Anda juga boleh memberi komen atau bincang di grup yang dihubungi terus ke saluran ini. Untuk menyertai grup diskusi sila guna link ini:
https://t.me/+VWwxCN0nOO-iMrvJ

Permohonan ke grup tertakluk sepada kelulusan pentadbir grup untuk elak skamer.

Sila warwarkan.

Sumber: FB Ustaz Noor Derus

TH & MINDA RIBAWI

RCI Tabung Haji sepatutnya membuka persoalan yang lebih besar daripada sekadar kemungkinan salah atau lemah urus, yaitu adakah kita sedang mengulangi masalah Helah Syariah yang sering dikritik kan kepada perbankan Islam? Yaitu menukar nama akad, tetapi mengekalkan hakikat ekonomi ribawi yang hampir sama dengan perbankan konvensional?

Pinjaman dan pelaburan bukan perkara yang sama. Dalam pinjaman, modal wajib dipulangkan, tetapi pemberi pinjam dan peminjam tidak boleh mensyaratkan atau menawarkan keuntungan.

Dalam pelaburan pula, pelabur boleh dapat keuntungan, tapi MESTI menerima kemungkinan rugi. Tidak boleh tuntut kedua-duanya sekali yaitu modal + keuntungan.

Empat mazhab sepakat bahawa dalam akad pelaburan seperti mudarabah, pengurus tidak boleh menjamin modal pasti kekal dan dipulangkan walaupun berlaku kerugian pelaburan sebenar, serta tidak boleh menjamin bahawa keuntungan pasti diperoleh. Yang boleh dipersetujui hanyalah nisbah pembahagian daripada keuntungan sebenar sekiranya keuntungan itu benar-benar terhasil.

Namun disinilah masalah mentaliti sebahagian penabung TH, akibat tawaran TH sendiri. Yaitu modal mesti selamat, wang mesti boleh dikeluarkan bila-bila masa, pulangan tahunan mesti ada dan bantuan kos haji mesti terus diberikan.

Apabila agihan turun pula, pengurusan dianggap gagal. Akhirnya sesuatu yang kononnya “agihan keuntungan” DIPERLAKUKAN SEPERTI KADAR FAEDAH YANG WAJIB DIBAYAR.

Menamakannya “wakalah”, “hibah” atau “agihan keuntungan” tidak menyelesaikan masalah sekiranya dari sudut praktik pendeposit dijanjikan manfaat tanpa benar-benar menanggung risiko pelaburan. Ada masalah syariah sebenarnya.

Kemudian masalah jaminan jika rugi. Siapa yang akhirnya menanggung kerugian jaminan itu?

Saya faham bahawa jaminan kerajaan bukan bermaksud setiap kali TH rugi, wang rakyat terus hangus. Jaminan itu hanya terpakai apabila TH tidak mampu penuhi pengeluaran pendeposit. Wang boleh didahulukan daripada Kumpulan Wang Disatukan dan pada asalnya wajib dibayar kembali oleh TH.

Tetapi jika TH akhirnya tetap gagal bayar kembali, risiko terakhir itu tetap jatuh kepada KEWANGAN AWAM. Ertinya, pendeposit menikmati keuntungan apabila pelaburan berjaya, sedangkan apabila kerugian menjadi terlalu besar, masyarakat umum, termasuk mereka yang tidak pernah menyimpan dalam TH dan rakyat bukan Islam, turut menanggung kesannya melalui wang awam, hutang kerajaan atau pengurangan perbelanjaan lain.

Penggunaan wang awam untuk sesuatu kelompok tidak semestinya haram dengan sendirinya. Namun ia menjadi persoalan Syariah yang serius apabila jaminan itu digunakan untuk membolehkan satu kelompok menikmati keuntungan tanpa menanggung risiko sebenar, sedangkan kerugian dipindahkan kepada pihak yang tidak ada tangan dalam akad.

Syariah bukan permainan istilah. Yang dinilai ialah hakikatnya, siapa memperoleh keuntungan, siapa menanggung risiko dan siapa akhirnya membayar apabila sistem gagal. Jika untung diswastakan kepada penabung tetapi risiko kerugian disosialisasikan kepada seluruh rakyat, maka dakwaan bahawa ini ialah “pelaburan Islam” mesti diperiksa semula dengan serius.

Akhir sekali, jika nak menabung maka menabunglah, jangan tuntut keuntungan. Nak pinjamkan pinjamkanlah tapi jangan minta untung. Jika nak melabur maka bersedialah menghadapi risiko kerugian jua.

Jika merasakan boleh tuntut untung dari hutang dan semua pelaburan tanpa kira untung rugi pelaburan maka itu adalah Minda Ribawi, bukan Minda Syariah (Minda berasaskan Syariah).

Inilah akar masalah TH dan penabung/pelabur.

Minda Ribawi hanya akan bawa keuntungan sebentar, kemudian kerugian besar. Industri Perbankan Islam juga akan menghadapi yang sama jika tidak berubah.

PERKONGSIAN 1 HARI 1 HADIS
 
Jadilah Warganegara Bermanfaat
 
عَنِ ابْنِ عُمَرَ  قَالَ : قَالَ رَسُولُ اللَّهِ صَلَّى اللَّهُ عَلَيْهِ وَسَلَّمَ : "أَحَبُّ النَّاسِ إِلَى اللَّهِ تَعَالَى أَنْفَعُهُمْ لِلنَّاسِ  وَأَحَبُّ الأَعْمَالِ إِلَى اللَّهِ تَعَالَى سُرُورٌ تُدْخِلُهُ عَلَى مُسْلِمٍ , أَوْ تَكَشِفُ عَنْهُ كُرْبَةً , أَوْ تَقْضِي عَنْهُ دَيْنًا , أَوْ تَطْرُدُ عَنْهُ جُوعًا , وَلأَنْ أَمْشِيَ مَعَ أَخِ فِي حَاجَةٍ أَحَبُّ إِلَيَّ مِنْ أَنْ أَعْتَكِفَ فِي هَذَا الْمَسْجِدِ يَعْنِي مَسْجِدَ الْمَدِينَةِ شَهْرًا
 
Daripada Ibnu ‘Umar RA, Rasulullah SAW  bersabda, “Manusia yang paling dicintai oleh Allah ialah yang paling banyak memberi manfaat kepada manusia. Adapun amalan yang paling dicintai oleh Allah ialah membuat muslim yang lain bahagia, meringankan kesusahan orang lain, atau membantu melangsaikan hutangnya atau menghilangkan kelaparannya. Seandainya aku berjalan bersama saudaraku untuk memenuhi suatu keperluannya, maka hal itu lebih aku sukai daripada aku beriktikaf sebulan penuh di masjid ini iaitu masjid Nabawi di Madinah (HR Tobarani dalam Al Mu’jam Al Kabir no. 13280, 12: 453. Status hadis hasan dalam Sahih Al Jaami’ no. 176).
 
Pengajaran:
 
1.    Orang yang paling dicintai Allah ialah mereka yang paling banyak memberi manfaat kepada manusia. Sebagai anggota masyarakat dalam sebuah negara, berusahalah menjadi orang yang paling bermanfaat.
 
2.    Hidup bermasyarakat menuntut setiap kita cakna terhadap orang di sekeliling. Amalan yang paling dicintai oleh Allah adalah membuat orang lain bahagia antaranya dengan cara meringankan kesusahan seseorang,  membantu melangsaikan hutangnya atau menghilangkan rasa laparnya.
 
3.    Menggembirakan hati orang lain ialah amalan yang sangat mulia di sisi Allah. Justeru setiap Muslim hendaklah peka terhadap kesusahan orang lain dan tidak bersikap mementingkan diri.
 
4.    Realiti hidup pada masa kini ada yang terkesan dengan pelbagai masalah antaranya kemiskinan, penyakit, masalah pekerjaan juga keluarga. Orang yang prihatin akan sentiasa menghulurkan bantuan bagi memenuhi keperluan serta meringankan kesusahan orang lain.
 
5.    Rasulullah SAW menegaskan bahawa, ia berjalan untuk membantu memenuhi keperluan seorang saudara Muslim lebih Baginda sukai daripada beriktikaf di Masjid Nabawi selama sebulan, yang menunjukkan betapa tingginya nilai khidmat kepada manusia apabila dilakukan dengan ikhlas kerana Allah.
 
6.    Hadis ini menjadi asas penting dalam pembinaan masyarakat yang berteraskan rahmah, ukhuwah, kebajikan dan tanggungjawab sosial, selaras dengan maqasid syariah yang bertujuan memelihara kemaslahatan manusia di dunia dan akhirat.
 
7.    Marilah kita menjadi orang yang bermanfaat dengan sentiasa berusaha mewujudkan masyarakat dan negara yang bersatu padu dan diredhai Allah.  Berusahalah kita menjadi orang yang bermanfaat kepada orang lain. Keberadaan kita dalam organisasi,  masyarakat dan negara amat dirasai manfaat kebaikannya. Ketiadaan kita pula akan ditangisi.
 

 

A friendly reply to Mr Vinod Sekhar who wrote this :

NEGERI SEMBILAN HAS SPOKEN. NOW THERE MUST BE THE HUMILITY TO LISTEN.

By Vinod Sekhar

There are moments in politics when losing an election is not the greatest danger.

The greatest danger is refusing to understand why you lost it.

Negeri Sembilan has spoken.

And whether we like what it has said or not, democracy demands that we listen.

Pakatan Harapan has lost the state it governed for eight years. BN and PN together have secured 25 of the 36 seats. Anthony Loke lost Chennah. Aminuddin Harun lost Linggi.

These are not small political tremors.

This was an earthquake.

And blaming everything on racial politics would be comforting — but dangerously incomplete.

Yes, race and religion were weaponised.

Yes, Malay-Muslim consolidation played an enormous role.

Yes, some of the rhetoric during this campaign was deeply disturbing.

But leadership means looking beyond what your opponents did to you and asking the much harder question:

What did we do to ourselves?

I have supported Anwar Ibrahim for a very long time.

I supported him when supporting him was neither fashionable nor convenient. It was in fact dangerous.

And I continue to believe that history will recognise something extraordinary about what he has achieved internationally.

Malaysia matters again.

We are respected again.

Our Prime Minister can sit with Washington, Beijing, Delhi, the Gulf, Europe and our ASEAN neighbours and Malaysia is taken seriously.

Economically, despite extraordinary global turbulence, Malaysia remains remarkably resilient.

That is not propaganda. The numbers tell us so.

But elections are not won in Washington.

They are not won in Beijing.

They are not won in Davos.

They are won in Seremban, Jempol, Tampin, Port Dickson and thousands of homes, coffee shops, kampungs and flats where Malaysians ask a much simpler question:

Is my life getting better?

And perhaps even more importantly:

Do these people understand me?

That is where this government has a problem.

The Captain Takes Responsibility

I have spent my life building businesses. Succeeding often and failing sometimes.

One thing you learn very quickly is that nobody outside your organisation cares about your organisational chart.

If the sales director fails, the CEO gets blamed.

If the communications department fails, the CEO gets blamed.

If somebody representing your company insults your customers, nobody says, “Don’t blame the chairman, it wasn’t his department.”

They blame the company.

Politics is exactly the same.

Anwar Ibrahim is the captain of this team.

Anthony Loke is the captain of DAP.

And when members of their teams repeatedly say or do things which alienate Malaysians, eventually the public holds the captains responsible.

That may sometimes be unfair.

But leadership has never been about fairness.

It is about responsibility.

And there have been people within DAP whose words and actions have made Anthony Loke’s job extraordinarily difficult.

Personalities such as Nga Kor Ming and Tony Pua have, at different times, generated controversies that opponents have been delighted to amplify.

Whether every criticism against them is justified is almost beside the point.

Politics is perception.

When statements are perceived as arrogant, insensitive towards Malay institutions or dismissive of Malay anxieties, the damage travels far beyond the person making them.

Every provocative sentence becomes another bullet handed willingly to opponents.

And eventually even a moderate leader such as Anthony Loke carries the wounds.

His defeat should therefore worry DAP profoundly.

Not because Anthony is the problem.

Quite the opposite.

Because if Anthony Loke can lose, DAP must understand how serious the problem has become.

And Then There Are The Indians.

There is another uncomfortable conversation that must finally happen.

The Indian community, my community, feels abandoned.

Not all Indians. Not everywhere.

But enough.

For decades Malaysian Indians have been promised transformation.

Election after election they have been told:

Support us now and things will change tomorrow.

Tomorrow keeps moving.

The community gave enormous support to Pakatan Harapan and to Anwar Ibrahim.

Today many Indians simply don’t believe anybody anymore. They feel betrayed.

That is politically dangerous.

Because anger brings people to the ballot box.

Disillusionment keeps them at home.

And something similar is happening among sections of the Chinese electorate.

That may be one of the most important lessons from Johor and Negeri Sembilan.

People do not necessarily have to cross the road and vote for your opponent to defeat you.

Sometimes they simply stop crossing the road to vote for you.

Political apathy can be more devastating than political opposition.

Do Not Blame The Voters

This is where governments so often make their greatest mistake.

They explain election defeats by explaining why voters were wrong.

They were manipulated.

They believed misinformation.

They succumbed to racial politics.

They didn’t understand the economy.

Perhaps some did.

It doesn’t matter.

Never blame your customer for not buying your product.

Understand why they didn’t buy it.

Then make it better.

The Malaysian electorate has sent a message.

Listen to it.

There is still time.

The Government Has Achieved More Than Malaysians Realise

This is perhaps the greatest irony.

Anwar’s government has actually achieved a great deal.

Malaysia’s economy expanded 5.4% in the first quarter of this year.

International institutions have repeatedly described our economy as resilient despite global uncertainty.

Investment confidence has strengthened.

Malaysia’s diplomatic standing is probably stronger today than it has been for many years.

And all of this has happened while the world has been hit by circumstances nobody sitting in Putrajaya could reasonably have planned for.

Wars and instability in the Middle East have disrupted energy markets.

American tariffs have disrupted global trade.

Supply chains are being reorganised.

Countries everywhere are struggling to navigate an economic landscape that seems to change every few months.

Malaysia has actually navigated this remarkably well.

But here is the political reality:

If people cannot feel your success, eventually they stop believing your statistics.

That is not necessarily a failure of policy.

It is a failure of transmission.

And it is certainly a failure of communication.

This government has not communicated its achievements well enough.

It has too often communicated policy rather than purpose.

Numbers rather than dreams.

Programmes rather than possibilities.

People need to understand not merely what government is doing.

They need to understand where we are going.

Reset. Reboot. Relaunch.

I have always believed something very simple in business:

Never give up on a good idea.

Remould it.

Redirect it.

Reboot it.

Relaunch it.

Malaysia MADANI is still a good idea.

A Malaysia built upon dignity, compassion, justice, opportunity and mutual respect is worth fighting for.

But sometimes even good ideas require new people to execute them.

That means Anwar must now look honestly at the team around him.

Not defensively.

Not emotionally.

Honestly.

Who is helping?

Who is hurting?

Who understands ordinary Malaysians?

Who is communicating?

Who is delivering?

Who has personal political agenda's that don't fall in line with what the nation needs now.

And who has forgotten that holding office is a privilege rather than an entitlement?

There must be consequences for arrogance.

There must be accountability for incompetence.

There must be urgency about the Indian community. They deserve better. The deserve much more. Now, not tomorrow.

There must be genuine engagement with Malay concerns without surrendering Malaysia’s multiracial soul. They still make up 80% of the poor- and it must be addressed.

There must be renewed engagement with Chinese Malaysians who increasingly wonder whether their votes are simply taken for granted.

And above everything else, there must be humility.

Not manufactured humility.

Real humility.

The kind that says:

We heard you.

We got some things wrong.

We will fix them.

That would not make the Prime Minister weaker.

It would make him stronger.

Malaysia Needs Hope Again

Politics ultimately isn’t about politicians.

It is about whether people believe tomorrow can be better than today.

That is what worries me most about these results.

Not BN. Not PN. Not PH. Not DAP.

Apathy.

Because anger still contains hope.

You become angry because you believe something can change.

Cynicism is different.

Cynicism says nothing will change.

And after cynicism comes something even more dangerous.

Indifference.

People stop voting. Stop believing. Stop dreaming.

They simply get on with their lives and expect nothing from their country.

That would be a tragedy.

Malaysia is too extraordinary a country for that.

We have everything required to become one of the great success stories of this century.

Geography.

Resources.

Infrastructure.

Talent.

Diversity.

A strategic position between East and West that other countries would give almost anything to possess.

And today we have a Prime Minister whose international standing gives Malaysia an extraordinary opportunity. We've not had that for a long while.

But international respect must now be translated into domestic confidence.

Economic growth must become household confidence.

Investment announcements must become jobs and opportunity.

Policy must become reality.

And leadership must become inspiration.

Negeri Sembilan was not the end of something.

It can be the beginning.

But only if those in power have the courage to hear what the people have just told them.

So don’t panic.

Don’t sulk.

Don’t blame the electorate.

And certainly don’t retreat into political bubbles and echo chambers where everybody tells each other that everything is fine.

It isn’t.

Listen.

Learn.

Reset the team.

Deliver.

Then reboot.

Because Malaysia needs to believe again.

We need to dream again.

We need to feel that wonderful, slightly irrational thing that has driven every great nation forward:

Hope.

And leadership is ultimately about giving people a reason to hope.

The people of Negeri Sembilan have delivered their message.

The question now is whether Putrajaya has the humility — and the courage — to hear it.

I believe it can. And more importantly, for Malaysia’s sake, I believe it must.

Vinod Sekhar



Dear Mr Vinod Sekhar,

Thank you for your feelgood write up. In Malaysia the Malays’ problem is not the Chinese or Indians ; the Chinese’ and Indians’ problem are not the Malays. God place us here in this land and as humans we have to live together.

Our problem and indeed the world’s problem began a long, long time ago when a people decided to make a living out of usury. An act prohibited by almost all religions, and indeed declared war on in Islam by God and His Prophet.

In the Quran - Surah AlBaqarah.

• Verse 278: "O you who have believed, fear Allāh and give up what remains [due to you] of interest, if you should be believers."
• Verse 279: "And if you do not, then be informed of a war [against you] from Allāh and His Messenger. But if you repent, you may have your principal — [thus] you do no wrong, nor are you wronged." [1]

Why you may ask?



Lets explore the path of usury in our world. Not in a manner as described in our education system, as that system too has been controlled and manipulated by the creators of the monetary system.

It began as early as Prophet Isa a.s. kicking out the usury practitioners from Baitul Maqdis.

In the more modern times the usury masters sailed to the Americas with their illicit wealth built on usury. In America they continued their illicit usurious practises and soon controlled the wealth of America, and indeed controlled the political leaders of America by funding both Presidential Candidates, and funding virtually the whole of Congress and the Senate.

To cap their control of America and the world, they set up and privately own the Central Bank of America, the Federal Reserve. The Federal Reserve of America is privately owned by the families of Rothschild, Rockefeller, Morgan, Warburg and Kohn Leub.






In 1944, at Bretton Woods, the world agreed to adopt the US dollar as the international currency; the dollar was backed by gold, while other nations' currencies were pegged to the dollar.

Strictly speaking, America was not supposed to print US dollars in excess of its gold reserves.

However, due to the high global demand for the US dollar—driven by exports, imports, tourism, education, and the like—there was a massive worldwide need for the currency.

This allowed America to print US dollars at will, largely without anyone noticing.

They buy our palm oil etc, and indeed the world’s produce by merely printing USD. They can spend freely and pay by creating Debt Notes called US Treasury, the world will buy. So America’s free spending supported by the world who somehow sees the naked emperor as fully clothed!







To ensure they control the world they controlled the Bank of International Settlements of Basel Switzerland where the central banks of the world comes twice a year to receive policies created and favoured by Bank of International Settlements to be executed in each nation. (By the way in 1897, Basel was also the birthplace of the World’s Zionist Organisation.)





This is our Problem Mr Vinod Sekhar.

Banks throughout the world creates 95% of their nation’s money out of thin air, and lend in the form of numbers. Not paper notes and coins, that, forming 5% of the nation’s money is created by each nation’s central bank. Being able to create the nation’s money is no small matter. It is a powerful Sovereign right that has been given to banks.





(Please visit website of Movement for Monetary Justice, Malaysia, and the Website of International Movement for Money Reform to understand this, and creation of money by Banks is confirmed by Bank of England and the Central Bank of Europe.)

Given the right to create money the Banks must be responsible enough to focus the money, the lending, the financing, to the real economy, to the businesses to create economic output and employment.







But no they don’t do that, they are too greedy enriching themselves to care about the nation. 70% of their total loans are to personal loans and personal sector, that creates permanent inflation suffered most by the poor, rocketing house prices, poor getting poorer and rich getting richer that tears the nation.







Of the 30% that goes to the real economy only 16% to the SME sector (RM50m and below sales) which creates 70% of Malaysia’s jobs, leading to youths and graduates unemployment and underemployment, stunted wages for them and their parents.

So you see Mr Vinod, these are the main issues for any govt, of Party A, B, C, D or E. It really does not matter which party it is, that is ruling, if they don’t understand this! All the semangat and the talk any party leader can give means zilch if they don’t comprehend what we are talking about here

The least corrupt govt ever, the most internationally respected PM ever, the most popular govt with any race or with all races will still leave economic bullying and intense hardships to their people, with this system unchanged.







Only traditional economists celebrate a 5% increase in GDP Mr Vinod; you and I we celebrate, if it is accompanied by a fairer distribution of wealth. Why do we celebrate when the wealthy gets richer and richer. Our concern is poor Uncle Muthu and family, poor Madam Yap and family, and poor Haji Ishak and family, and struggling Meknah and her children in Kampung Pinggir Hutan.

They only know how to talk Mr Vinod, They know zilch about the problem, and how to solve them. And you and I, we cannot say anything because they know everything!

Thank you for your write up Mr Vinod, at least it leaves a feel good feeling.

https://telegra.ph/MMJ-Home-01-04

Meanwhile a Monetary Reform fight in another country

https://www.facebook.com/share/1JiXzKutpm/

Speculation was rife in yesterday's 📰 Sunday Times about bank taxes! 💰

Join 67,305 people & counting and sign the petition to #TaxTheBanks 👉 bit.ly/TaxTheBanks

"The campaign [is] under way by Britain’s biggest banks to convince John Healey, the new chancellor, not to impose fresh taxes on the sector...

Gary Greenwood, an analyst at investment bank Shore Capital, said: They are all trying to pretend they’re doing their best to support the UK economy, but at the same time their profits are going up.”

Rather than helping small businesses, big banks are driving the inequality, climate, and housing crises - and piling up profits at the same time!

If you haven't yet, tell Andy Burnham & his new Chancellor to succeed where Rachel Reeves failed by adding your name to #TaxTheBanks today 👉 bit.ly/TaxTheBanks

Dear Mr Vinod Sekhar,

Thank you for your feelgood write up. In Malaysia the Malays’ problem is not the Chinese or Indians ; the Chinese’ and Indians’ problem are not the Malays. God place us here in this land and as humans we have to live together.

Our problem and indeed the world’s problem began a long, long time ago when a people decided to make a living out of usury. An act prohibited by almost all religions, and indeed declared war on in Islam by God and His Prophet.

In the Quran, Surah AlBaqarah

• Verse 278: "O you who have believed, fear Allāh and give up what remains [due to you] of interest, if you should be believers."
• Verse 279: "And if you do not, then be informed of a war [against you] from Allāh and His Messenger. But if you repent, you may have your principal — [thus] you do no wrong, nor are you wronged." [1]

Why you may ask?



Lets explore the path of usury in our world. Not in a manner as described in our education system, as that system too has been controlled and manipulated by the creators of the monetary system.

It began as early as Prophet Isa a.s. kicking out the usury practitioners from Baitul Maqdis.

In the more modern times the usury masters sailed to the Americas with their illicit wealth built on usury. In America they continued their illicit usurious practises and soon controlled the wealth of America, and indeed controlled the political leaders of America by funding both Presidential Candidates, and funding virtually the whole of Congress and the Senate.



To cap their control of America and the world, they set up and privately own the Central Bank of America, the Federal Reserve. The Federal Reserve of America is privately owned by the families of Rothschild, Rockefeller, Morgan, Warburg and Kohn Leub.






In 1944, at Bretton Woods, the world agreed to adopt the US dollar as the international currency; the dollar was backed by gold, while other nations' currencies were pegged to the dollar.

Strictly speaking, America was not supposed to print US dollars in excess of its gold reserves.

However, due to the high global demand for the US dollar—driven by exports, imports, tourism, education, and the like—there was a massive worldwide need for the currency.

This allowed America to print US dollars at will, largely without anyone noticing.

They buy our palm oil etc, and indeed the world’s produce by merely printing USD. They can spend freely and pay by creating Debt Notes called US Treasury, the world will buy. So America’s free spending supported by the world who somehow sees the naked emperor as fully clothed!







To ensure they control the world they controlled the Bank of International Settlements of Basel Switzerland where the central banks of the world comes twice a year to receive policies created and favoured by Bank of International Settlements to be executed in each nation. (By the way in 1897, Basel was also the birthplace of the World’s Zionist Organisation.)





This is our Problem Mr Vinod Sekhar.

Banks throughout the world creates 95% of their nation’s money out of thin air, and lend in the form of numbers. Not paper notes and coins, that, forming 5% of the nation’s money is created by each nation’s central bank. Being able to create the nation’s money is no small matter. It is a powerful Sovereign right that has been given to banks.





(Please visit website of Movement for Monetary Justice, Malaysia, and the Website of International Movement for Money Reform to understand this, and creation of money by Banks is confirmed by Bank of England and the Central Bank of Europe.)

Given the right to create money the Banks must be responsible enough to focus the money, the lending, the financing, to the real economy, to the businesses to create economic output and employment.

But no they don’t do that, they are too greedy enriching themselves to care about the nation. 70% of their total loans are to personal loans and personal sector, that creates permanent inflation suffered most by the poor, rocketing house prices, poor getting poorer and rich getting richer that tears the nation.







Of the 30% that goes to the real economy only 16% to the SME sector (RM50m and below sales) which creates 70% of Malaysia’s jobs, leading to youths and graduates unemployment and underemployment, stunted wages for them and their parents.

So you see Mr Vinod, these are the main issues for any govt, of Party A, B, C, D or E. It really does not matter which party it is, that is ruling, if they don’t understand this! All the semangat and the talk any party leader can give means zilch if they don’t comprehend what we are talking about here

The least corrupt govt ever, the most internationally respected PM ever, the most popular govt with any race or with all races will still leave economic bullying and intense hardships to their people, with this system unchanged.







Only traditional economists celebrate a 5% increase in GDP Mr Vinod; you and I we celebrate, if it is accompanied by a fairer distribution of wealth. Why do we celebrate when the wealthy gets richer and richer. Our concern is poor Uncle Muthu and family, poor Madam Yap and family, and poor Haji Ishak and family, and struggling Meknah and her children in Kampung Pinggir Hutan.

They only know how to talk Mr Vinod, They know zilch about the problem, and how to solve them. And you and I, we cannot say anything because they know everything!

Thank you for your write up Mr Vinod, at least it leaves a feel good feeling.

https://telegra.ph/MMJ-Home-01-04