人生体悟

最近在追看着一部戏，
[一闪一闪亮晶晶]... ...

昨天，戏里曾裕珍老师说了这么一句话

“难得来人间一趟，
要像蜡烛一样，
燃烧了就有泪，
总比没有燃烧的好”

是啊~
踏入职场之后，
一直在摸索着身边的事实与非~

其实，
人生不过就像曾老师所说的... ...

不要再去计较自己付出多少、而是该感恩自己得到不少，不是吗？


“难得来人间一趟，要像蜡烛一样，燃烧了就有泪，总比没有燃烧的好”---
该把它牢牢记在心里~  =]

我不过是一个没有价值、被包装过度的礼物盒~

突然觉得自己像个被过度包装的礼物盒~~

外表极度漂亮，
可是在没有内容的衬托下，
他将被遗弃到垃圾桶里~

漂亮的礼物盒其实并没有什么价值~
它的价值多少，
在于内容的价值~

我就是这个礼物盒，
曾经被包装得很漂亮~
可是，在经过社会的淬炼后
才发现原来自己无能透顶~

View and vote for my school's nomination.

View and vote for my school's nomination.: "Help choose the winner. The Clorox Power A Bright Future site gives schools a chance to win grants and daily prizes. Let’s show our support for a Bright Future together!"

选择这条路，我错了吗？

最近生活真的不尽如意~

上班之后，发现生活不再简单，
车子供期，电话费，网络费，保费，油钱... ....都必须纳入自己私人的开销预算~
生活负担变得好重好重~
开始有点喘不过气来的感觉~

不仅如此，她还是坚持不满意我选择了这份工~
她还是一如往常的在我耳边碎碎念~
谁谁谁收入过百万，
又谁谁谁现在坐拥身价百万... ...
太多太多的例子，
目的只有一个，
就是要我回头~

我已经不知说了多少次，
我不想要活在这个框框里面，
我有我自己的人生计划，
难道就不能让我自己为自己的人生努力？
难道我就一定要跟着你为我准备好的路走？

我知道，你是过来人，你知道走在这条路，未来的日子会很好~~
但我却要证明给你看，有未来的路不知这一条~~
我没有奢望你会支持我，但至少不要再强迫我了好吗？

我真的累了~
我的生活过的好辛苦~

工作上的不如意，我又可以告诉谁？
我尽量做好手上的东西，可是就因为老板看中我，
我在公司不知受了多少人的冷言冷语，
我吃下的死猫多到连我都忘了是多少~~

庞大的工作量，已经让我手忙脚乱了~
再加上公司里那些找麻烦的家伙... ..
我快撑不住了~
我受不了了~~~

这一路走来，我真的很辛苦~
我一直要证明给大家看，我是可以的~
我要得到大家的信任~
我努力的把所有的不愉快都自己啃下~~

为了证明自己的选择是对的，
我从来就不会告诉别人我在公司里遇到的委屈~
就算是，我也是抱怨几句~

老天爷，可不可以还我我快乐的人生？
我已经忘了自己有多久没有开开心心的笑过了~

就算去旅行，手上的手机与笔记本也离不开身边~
可不可以还我，我自由自在，开开心心的生活？
我求你了~

前面的路茫茫，我的未来路也是崎岖难行，
但我相信自己难行，能行~
用智慧化解灾难~
用大爱包容与善解~~
期许自己可以渡过难关~~
关关难过，关关过~

[对自己不好的人，我们要感恩他] CHeers~~~~ Aza Aza Fighting~~~

你的人生中，是否存在着这么一个人？

在你沉醉在这美好的世界里，是否曾经停下来看看身边的人？

对于我的人生，
我总是在忙忙碌碌中忘了自己~
忘了自己仍然存在这个世界上~
忘了吃饭，更忘了照顾自己~

但是，
老天爷就是公平的~

在我忙碌的生活，老天爷给我安排了这么一个人~

在我遇见不平的时候，她总是24小时on call， 任何时候、任何地点，
只要我需要倾诉时，她总是随时standby~

她总是不停的抱怨，我不会照顾自己，其实我想说，我把自己照顾得很好~
还是一样白白胖胖~

不是我不会照顾自己，而是她太会照顾我~
跟着她出去，我就是可以自由自在~
跟着她出去度假，我就是能好好的放松~

每一次的出游，她总是让我再次充满活力，
让我有活力去面对眼前的这一切不平坦~

 前面的路茫茫~
未来的路充满荆棘~

生活上遇见的没有一样是顺利~

感谢老天爷让这个人出现，让我在倾盆大雨的时候，还会看见彩虹的出现~

I am really not that BAD Luck~~ cheers~~~

Thanks dear~~ 一切尽在不言中~~ ^.^

宁静的夜，我与文件一起度过~

自从上班之后，
有太多太多的人问我，
这样忙碌的生活，你不累吗？

短短的24小时，
我必须兼顾工作，兼职，还有慈济的事物~

我只想告诉大家，我过得很好，
或许对我来说，这样的生活不叫累，而叫充实~

我非常享受这种忙碌充实的生活~

恕我直言，我真的受不了那种浑浑噩噩朝九晚五的生活~

我极度厌恶那种，
拿1500就做1500的那种态度~

 

因为我认为，

薪水高低的决定权在自己的手上，

而不是在老板的手上~

还记得，严总裁说过，

这是一种对工作的热忱~

当学会在忙碌的工作堆中寻获乐趣，

你就会开始忘记劳累，享受工作~

我爱上了社会新鲜人的这个新称号~

更爱上了，现在这种充实又快乐的生活~

我享受着我闪闪发亮的人生~

因为我非常确定，只有现在开始把基础打稳，

往后的日子才能走得更顺畅~

亲爱的，你呢？

找到了你的热忱了吗？

寻获你快乐社会新鲜人的人生了吗？

祝福大家~也祝福自己~

^.^

想念只讓自己苦了自己，愛上你是我情非得以~

難以忘記初次見你　一雙迷人的眼睛
在我腦海裡　你的身影　揮散不去
握你的雙手感覺你的溫柔
真的有點透不過氣　你的天真　我想珍惜
看 到你受委屈　我會傷心

只怕我自己會愛上你　不敢讓自己靠的太近
怕我沒什麼能夠給你　愛你也需要很大的勇氣
只怕我自己會愛 上你　也許有天會情不自禁
想念只讓自己苦了自己　愛上你是我情非得已
愛上你是我情非得已

什麼原因　我竟然又會遇見你
我 真的真的不願意　就這樣陷入愛的陷阱


*中學時期非常紅的歌~今天在電臺聽到，回憶好多好多~

直到你不找我

记得当时谁路过 秒针忽然停顿过
气温湿度曾骤变太多
记忆不停重叠过 你的表情提示过
爱的 可能是我

想法太乱 幻觉太多
疑虑很大 直到说不清楚
心算太慢 但仍然算错
找对人 偏错过

直到开始想喜欢我
直到终于不喜欢我
直到碰上一个 逃避一个
追不上 躲不过

直到开始找不到我
直到终于不想找我
直到你擦身过 才认得我
彼此也在折磨 像当初

想法太乱 直觉对麼
疑虑很大 直到爱不清楚
当这世上 全怀疑我错
总有人 相信我

直到开始想喜欢我
直到终于不喜欢我
直到碰上一个 逃避一个
追不上 躲不过

直到开始找不到我
直到终于不想找我
直到你擦身过 才认得我
彼此也在折磨 像当初

對你的忍受不是因爲沒能力還擊，而是不想讓她難堪

很不喜歡別人闖進我的生活圈子，更不喜歡被人在那邊給我攀親攀戚~~~
難道你的人生就沒有你自己的朋友？爲什麽一直要來認識我的朋友？
到底居心何在啊？
難道，你就可悲到過著一無所有的人生？
或許也對，像你這樣的人，厚顏無恥，若能有真心朋友才叫出奇~

這是我給你最後的警告，
請你在我的人生中消失~
不要再讓我在我的人生中遇見你~
不然，我真的會動用所有的關係，讓你無法立足~

請別再挑戰我的脾氣了~
我真的受夠了~
這些日子對你的忍耐，只是不想讓他難堪；
你若是再這樣不潔身自愛，繼續挑戰我，就算天皇老子，一樣沒面給~~

因爲你真的把我惹火了~
我受夠你了~
消失吧~~賤人~~~~~

不知不覺中，我釋懷了~

一直以爲會放不下，會捨不得~
可是在真相大白之後，我才發現，原來我已經在不知不覺中釋懷了~

愛死我自己了~原來，我還真的那麽瀟灑~

原來我還是那個只會為自己前途打算的現實傢伙~~
加油拉~

祝福自己~因爲祝福著大家~~~

百變女郎，我是嗎？

百變女郎，我是嗎？

昨天剪了個新髮型，這麽多年來我都不敢嘗試短髮，因爲縂覺得短髮看起來臉會比經長~

而臉長是我的禁忌~~
這麽多年來，
我可以不介意別人說我胖，
說我不漂亮，
但我卻非常介意別人說我臉長~
或許這就是所謂的“不想被揭發的短”~~

可是最近不知道干嘛的~
開竅了~~

進到理髮店，我問理髮師，可不可以幫我換了清新的髮型？

儅他指著雜誌上的照片時，我嚇了一跳~
心理超級掙扎的~
因爲頭髮剪短了真的沒辦法後悔啊~
尤其是這麽短的短髮~

在我還在猶豫的時候，他已經動起手來了~哈哈~~
我想，想說後悔也沒機會了~~
就選擇信任他吧~

沒想到，剪出來的效果竟然還蠻棒的~

其實，這不就是人生嗎？
我們遇見挑戰時，總是裹足不肯前進~
原地踏步，猶豫不決~~

但想一想，沒有嘗試，又怎麽知道結果呢？
或許人生中不時事事順心，
但人生中，卻常會有許許多多的驚喜~

感謝Amos給我一個驚喜~
讓我用最亮麗的look去參加了一個重要的宴會~~

我更愛老天爺將這種坦率的個性放在我身上~

我的人生正在發光發熱~
勇往直前，大步向前邁進~~
千萬別讓身邊的任何東西影響自己~~
繼續儅個坦率的蘇菲，才是最舒服的~

社會新鮮人，你準備好了嗎？

親愛的社會新鮮人：

不管你想從事什麼行業，我都希望你能保持足夠的「熱忱」。現在我已很少親自面試員工，但如果今天由我面試，我挑人最基本的條件就是「熱忱」。至於學、經 歷，那只是個參考。

面試挑人 最重熱忱我面 試時，會一直丟出不同的問題，再從他的回答中，了解他做事的判斷方法與過去的經驗。我覺得面試只是第一階段，挑選到適合者的成功率只有百分之卅。大部分的 人面試，都會想辦法讓你看到他最好的一面，如果連表現優點都做不到，我想他應該也不適合服務業。

比較重要的是第二階段：試用期，看他耐心 到了一定程度後的態度。服務業很辛苦，直接考驗是體力上的勞累。你可能必須站一整天，或遇到每個人都問你相同的問題。如果你只看到光鮮亮麗的外表，以為在 大飯店上班，可以每天穿著漂亮的制服，我想，你應該在這行業待不久。

耐 心體力 還要敏銳這些年來，我發現有些看起來很漂亮、外貌理想的人，進入服務業後，隱藏的嬌貴面就跑出來了。接待第一個、第二個客 人時一切ＯＫ，但等到第兩百個客人，他就沒耐心了。你要知道，服務業需要「耐力」：「耐」心與體「力」。

餐飲服務業分內、外場。外場人員 重視第一眼讓人看到的形象，一種說服的能力、主動接觸的能力。

如果你想進入服務業，我覺得你必須要擁有「觀察細微、體貼、主動了解客人的 需求」等條件。而內場的廚師則需要「感官敏銳」，包括味覺、聽覺、嗅覺等，讓自己像個藝術家般敏銳。

服務業最大的魅力是與人接觸，你能夠 立即感受到對方的回應。當你做對了，馬上就讓客人感動；當然，也包括做錯事，馬上被罵的回應啦。

缺點是從業人員的待遇不夠理想，假設大家 對飲食、住宿環境願意付更合理的價錢，就能讓這行的待遇更好。

認識 自己 發揮優勢話說回來，對正要找工作的你，我最大的建議是：你必須先認識自己，了解自己的個性傾向與技術上的優勢，再去找工作。 個性很重要，若勉強自己逆勢操作，會很辛苦。假設你是個挑剔的人，就去做品管、監察官；要是做管理，相信員工都受不了。

我想與你分享一個 自己的小故事。高中時，我功課不好，但我辦很多活動，又是樂隊的指揮。樂團沒有教官帶領，我就當起同學的老闆，帶他們排練、比賽。這件事讓我有很大的成就 感。我對朋友說：「以後誰用到我，就是誰的福氣。」因為我知道，我那無可救藥的熱忱與責任心，會幫助我踏上成功之路。即使現在，體力衰退了一點，但熱忱始 終沒有消退。

小節用心 成敗關鍵所以，工作 的動力與價值就是你的熱忱。當你對細小的工作環節，能抱持著用心的態度；當你對一再重複的工作內容，能找到快樂與成就感，你的熱忱就能激發出超越心智與體 力的巨大能量。記住，全心全意投入的熱忱，才是決定你成敗的關鍵。

祝 你永保熱忱

亞都麗緻總裁嚴長壽

*這是在一個不小心之下打開的~
第一次認識嚴董，應該是2005年~~
那一次敦安基金會主辦的全球青少年領袖論壇，讓我有機會接觸這一個人~~
也因爲接觸之後，開始注意著他的著作~

而這一篇，正好適合獻給我迷茫的朋友們~~~
親愛的大家，你準備好了進入社會嗎？
你是否已經充滿熱忱了呢？


祝福大家~

这就是我所谓的"不care"?

男孩儿：“对不起……”
女孩儿：“无所谓，你没什么对不起我的。”

键盘敲出最后这句话，女孩儿失声痛哭。
爱 上他是女孩儿没有想到的事情，她以为自己不会爱上任何

人。
可 最后还是敌不过男孩儿的温柔，陷了进去。

一开始的爱情跟所有的爱情剧一样，甜言蜜语、电话短信、关怀体谅、担心紧张……
日子过的很是甜蜜。
都说恋爱中的女人智商为零。
但 女孩儿不同，她不相信那些所谓的承诺，甚至排斥那些不切实际 的想法。
沉着冷静是女孩儿最大的优点，同时也成了她最大的弱点。
女孩儿爱说一句话，那就是：无所谓。
说这句话的时候，女孩儿看起 来好像对什么都不在乎，甚至让人觉得她很冰很冷。
但 却忽略了她眼底刻意隐藏的东西。
跟男孩儿在一起，女孩儿不爱说话，只是静静地看着男孩儿，微笑着听他讲话。
偶尔的撒娇任性，野蛮无理，对女孩儿来说都是因为太依赖。
男孩儿告诉女孩儿他很爱她，离不开她。
女孩儿笑着不语。

在 朋友眼里男孩儿很幸运，因为他拥有女孩儿。
在朋友眼里女孩儿很幸福，因为她遇到了男孩儿。
男孩儿的温柔、体贴，女孩儿的 善良、可爱，让所有人都羡慕。
他们说：这是一出爱 情的童话！
于是，像所有爱情一样，男孩儿许下了承诺：永远爱你……
这一次女孩儿说了一句话：无所谓永远不永远，你做不到。
暗淡的灯光下，男孩儿欲言又止。
日子平淡的过着……

有 一段时间，女孩儿没有男孩儿的消息，没有电话，没有短信，像 是凭空消失了一般。
后来男孩儿解释说：太忙了，没时间。
女孩儿失落的说：“无所谓，工作要紧。”
接下来的日子 里，男孩儿跟女孩儿在一起的时候不爱说话了，总是发呆的望着 手机。
直觉告诉女孩儿，有些东西改变了。
无意中女孩儿发现男孩儿的手机里多了一个陌生的号码，通话记录中全是这一串数字。
男孩儿的Q上，也明显的多了一个女孩子。
男孩儿解 释说：“她是我认识的一朋友，别生气。”
女孩儿撇开眼睛说：“无所谓，我不介意。”
之后，男孩儿又很久没有跟女孩儿联系。

女孩儿身体不好，得了重病，病痛折磨的她无法入睡。
她很想男孩儿陪着她，安慰她，可是……她又心疼他。
生日那 晚，女孩儿拨通了男孩儿的电话号码，手机中传来忙音，接着便 是关机了。
女孩儿的心跌到了谷底，彻夜未眠，一早被发现昏倒在窗边，送进了医院。
医生的一纸诊断书，让所有人不敢置信--骨癌晚期……
眼泪倔强 的滑下脸庞，女孩儿默默地哭泣。
不是因为病痛，而是男孩儿依然没有与她联系。
忧伤的眼神刺痛了所有人，整个病房充斥着无奈与心酸。
强 忍着疼，女孩儿安慰所有人：“无所谓啦，习惯了，别伤心。”
女孩儿早就知道自己的病，只是没有说出来，她不想让大家担心，特别是男孩儿。

女孩儿拒绝治疗，回家去了。
这一切，所有人都 应女孩儿的要求，没有告诉男孩儿。
无聊中女孩儿打开电脑上了男孩儿的Q，刚一上线，那个陌生的头像就在跳动。
打开，一段文字跳出，瞬间，女孩儿泪流满面。
“亲 爱的，我想你了！一晚上没听到你的声音了，好想你。亲爱的， 爱你，看到后给我电话哦。……”
颤抖着双手，女孩儿关掉了电脑，脑子里一片空白。
她拼命告诉自己：无所谓，一切都是误会，要信任他。
眼泪止不住的流，这一次，女孩儿自己也不相信自己会真的无所谓。
她决定放开他，结束这段感情，所有的疼痛自己来受。
做下决定，女孩儿 又一次昏倒了……

最后的爱情，童话终究还是一出悲剧，两人分手了。
男孩儿觉得对不起女孩儿，一直沉默着。
女孩儿 一直安慰他说：无所谓。

男孩儿生日的前一天，女孩儿因病去世了。
而男孩儿在自己生日那天终于知道了这件事。
所有 人都骂他不懂珍惜；
所有人都埋怨他移情别恋；
所有人都指责他欺骗女孩儿……
男孩儿拿着女孩儿最后写下的信哭了。

女孩儿在信里说：
我知道自己活不长了，想要好好珍惜有你的日子，可是你却不在我身边。
我原谅你喜欢上了别人，因为爱情是自由的。
我原谅你对我的忽视， 因为爱情需要宽容。
我原谅你忘记我的生日，因为爱情需要体谅。
我原谅你的所有的错，因为我爱你。
我知道当初我 的那句‘你做不到’伤到了你的心，其实我知道我们的爱情走不 远，只是不知道这么快结束。
我曾经说的‘无所谓’，其实都是在掩饰内心的孤独与寂寞，只是你未曾注意过。
很在意你，在意到让我害怕，所以找个借口让自己不陷下 去。
所有的“无所谓”都是因为太在乎，你可曾知 道？
即使分手，也还是会想起你的好。
这些全都在我的意料之外，但不后悔。
我走了，谢谢你，谢谢你曾经带给我的感动，谢谢！
你的生日快到了，提前说声“生日快乐”！
没有再见了，愿君保重！祝福你！

男孩儿的眼泪留了出来，他 不知道原来女孩儿深爱着自己。
原来他伤害了她。
原 来他忽视了女孩儿的脆弱与孤寂。
原来他不懂珍惜。
朋友告诉男孩儿，分手后，女孩儿基本上是在昏迷中度过的。
每日每夜都在与病魔斗争，她多么希望男孩儿在她身边，却又不想让他知道。
男孩儿忽然好恨自己，恨这一切，恨他无力挽回。
想 起女儿甜美的笑容，忆起她曾经的好，男孩儿无力的望着天空， 眼泪一滴一滴流着。
“对不起……”


故事发生的很平凡，很普通。
无非就是让我们要懂得珍惜。
“男 子薄情，女子多情”--这话的对与错，似乎无多大意义了。
“无 所谓”，看似简单的三个字，却隐藏了好多难以让人发现的东 西。
那种心理……无法言语……
明明很在乎，明明心很痛，却要装作无所谓。
需要多大的承受力啊。
也许伪装才能看清一切，伪 装才能保护自己。
说出一句“无所谓”需要很大的勇气。
隐藏的脆弱，掩埋的孤寂，几人能看清？
也许真的“无所谓”
……
无 所谓的心酸，无所谓的孤寂，无所谓的人生，因为太“所谓”而 “无所谓”。
“无所谓”--一种无法言语的痛！

学会珍惜，学会放下~

如果你只剩一只眼睛，你会不会哭泣？
如果你少一双脚，你会不会悲伤？
如果你失去一双手，你会不会痛不欲生？？

要是你同时，丧失了一只眼睛、一双脚、一双手，你还活得下去吗？

这是《我是谢坤山》这本书封面的留言~
我最近发现，不知何时开始，我的人生又开始多了抱怨，少了感恩~
这是否寓意着，我的人生开始开倒车？

忘了花掉多少时间，学会开始感恩~
学会珍惜~
更学会包容~

怎么就这么善忘？没有多久就把它全忘了？
我不停的问自己，这是我要的人生吗？
充满怨言~~不满~~
怎么会这样？

脸上的笑容，什么时候被烦恼的眉头取代了？
口里的笑话，又是什么时候被闲言闲语取代了？

该是往前走的时候了~
这段日子，怎么一直在开倒车？
人生的目标，好像开始慢慢淡忘了~
生活的乐趣，也不知不觉地被烦恼取而代之了~
我这是在干嘛？

不是告诉过自己，不进则退吗？
为什么可以为了这一些东西影响自己呢？
是时候清醒了~~

我已经浪费了自己太多的时间了~
再这样下去，我一定会遗憾~~

女人~勇敢的往前走吧~
你的自信，你的魅力，怎么都消失不见了？
为什么这些应以为傲的东西，被你那可耻的自卑取而代之了？
该感到自卑的不是你~
你不是一直对自己都“自我感觉良好”吗？
自信去哪里了？

连自己都开始厌恶自己了~
如果这时你对自己的要求，那我会告诉你，我这一辈子都会看不起你~~~
听到没有~~~~

未来的人生路将会是怎样，决定权就在自己的手上~
如果今天你自己毁了，在未来的某一天千万不要再对自己说后悔~~~

内心的剖白~~

 用忙碌来忘掉生活中的不愉快时我最最最常做的~
朋友告诉我，要我不要在他面前武装自己~
但我却告诉他，对不起，我已经习惯了~~
我忘了什么是依赖~~ 我只知道，不管遇见什么事情~
唯一一个可以帮到我的人就是自己~

今天某人告诉我，他不需要我的帮忙时，
我问了自己~是该开心还是难过？
开心的是，它已经独立了~
难过的却是，我连最后的利用价值都没有了？

我一直告诉自己，当初我可以用7年的时间看着他成长，
今天的只能算是芝麻绿豆~

我永远都不会问我自己，今天我失去了什么~~
我只会不断问自己，今天我又得到了什么~

既然老天爷将我的人生写成这样，必定有它的道理~
我想，我必须坦然地接受~因为，未来还有更多更多要我去承担~

曾经有人问我，
你真的就不会流眼泪？就不会有情绪？为什么我总是可以坦然得面对一项项严峻的考验？
我只回答，当你拥有与死神搏斗的经验，你就会发现，生活中的这一切真的并不算是什么~

或许是从小家人对我的教育，我自小就非常独立~
再加上老天爷不断的考验~ 我想这一切，就是我成为超女的过程吧~

天将降大任于斯人也，必先苦其经络，劳其筋骨~~
我不就是这样吗？

朋友，不要再为我担心了~
我不是刻意要在大家面前武装，而是，我真的习惯了这样的生活方式~
我不习惯被别人同情~
我有着我最自在的生活方式~
谢谢你们~真的，不要再担心我了~

i am super fine~~~

p/s: 这一整件事情下来，我真的很感谢你们的陪伴~
carmen, chyi fung, joanne, dziabao, laoda~~~~
你们都是我最最最重要的人~~
尤其是那3个爱我的傻子~
知道我不开心，三更半夜赶下来马六甲陪我~
就像我说的~我已经习惯了武装~
感谢的话虽然说不出口，但心中的感动却足以让我泪眼盈眶~~
感谢老天在考验我的时候，没忘了将你们安插在我身边~
你们就像老天爷赐给我的小天使~
常会在我忘记笑的时候，把欢笑带到我身边~~我真的爱死你们~~

望子成龍，望女成鳳

打从我懂事以来，每一个长辈都要我努力成才~往后一定要成龙成凤~
所以从小到大，我们每一个人都立志要当一个成功的人~也就是所谓的成龙成凤~

可是，却在我长大之后，听见某人一句无心的话，却让我矛盾至今~
某人告诉我，S小姐太优秀了~找逻辑看来，优秀的S小姐应改受大家的亲睐~
可是，某人却说，不可能~~~因为太优秀的S小姐会令身边的另一半感到自卑~~
哈哈哈~~

这就是人类的矛盾~~~

在我听了这一堆理论后，我犹豫了~

整件事情发生后，心里好不舒服的~
是超级不服输，也是超级心疼的~~可是，朋友，我还能做些什么呢？
至少，我曾经努力为自己争取该争取的东西~

感谢大家对我的肯定~
我也清楚自己的能力到哪边去~
谢谢大家不断的给我戴高帽~我真的没有你们说得那么优秀~

既然老天的安排是这样，那我们就这样照着走吧~

因为，放手也是爱的一种~
让他去过他最想要的生活~默默在身边支持他~这也是另一种幸福~









 生命的长短无法掌握，
可以掌握的事
生命的姿态~~~
要宽、要阔、要深、要厚~~~

付出，让生命更宽阔~
付出无所求，让生命更深厚~~~~~


whatever it is~~
i really dun care~~~
我只想继续追求我有品味的人生~
继续当我的女强人~~

我享受着我忙碌又开心的生活~~~也决不会被任何人、事、物 牵绊~
祝福自己也祝福他~

付出無所求

女人說，不是每一個人都能做到付出無所求... ...可是可以做到如此也是种幸福~因爲不容易... ...也不是常有機會~

因为太在乎，所以太难过

对不起~
今天真的气哭了~

有人说，是不是有什么误会？
我想，或许这样想，我自己心里会好过些~
因为我真的受伤了~

某人告诉我，
我们做这一些东西，本来就是付出不求回报的啊~
那干吗还这么在意？

我想说，我因为太在乎，所以太难过~

我真的舍不得大家~
或许是自己即将踏入职场，所以感触特别深吧~
我每一次都努力的仔细编排每一次出去的流程，该预约的都去预约~
因为我深怕，这些小小的瑕疵，会扫大家的兴~

每一次努力的把大家都叫齐了，
为的就是不希望有任何人将会有遗憾~

可是这一切，却好像只有我在一厢情愿~

嗯~或许是我自己自作多情了吧~
可是，我真的不想，友谊就随着大家的毕业，灰飞烟灭~~
我希望这一切的一切都是永恒的可以吗？

我追求espresso的人生～

人生就好象espresso~
懂得欣赏的人，会爱上他那种苦尽甘来的味道～
不懂欣赏的人，会觉得这是人间炼狱～

人生，
不就也是这样吗？
好好去品尝身边的人事物，
你的人生将会尝尽酸甜苦辣～

一昧的埋怨，只会让你失去更多～

亲爱的，你准备好，
品尝老天为你炮制的那一杯espresso了吗？
美好的人生，现在才要开始～

we have the obligation not the rights~~

i am here to declare that i have the obligation but not the rights to put u all together,
so,
i MUST make sure each and everyone among FE will have the best memories in their uni life~~

明天2.30我们还有一张paper, 照逻辑来说，我们应该是很紧张，不眠不休的努力k书～
可是，我们却选择了，令我们永远不会后悔的行动，

那就是叽叽喳喳的聊了我们这几年走过的日子～～

我们从assigment group的分配,到我们身边发生过的每一件小事，
但是，非常遗憾的是，我们发现，我们一起经历的太少太少～～
值得庆幸的是，最近这2个月，我们真的认真疯狂的狂欢～
虽然，我们真的太慢热～直到year 3 sem 3才开始玩～
可是，至少我们可以骄傲的说，我们一起疯狂的狂欢过～～

明天将会是我们大学生涯中，最后第二张考试了，
内心澎湃～～

常常跟大伙一起念书时 ，我都会不禁想起，毕业之后，大家会到哪里去？
大家是不是还会有时间这样毫无目的的吹吹水，晃晃街，再帮政府量马路？
我珍惜着这一些得来不易的机会～更希望，我们往后会有更多更多的时间做这一些事～～～

大家，最后的时刻真的要好好把握哦～
千万不要错过了才遗憾～～千万别让误会，让你错过了与身边朋友相处的每一段时光～～～
也不要再为小小的事情斤斤计较 了～～
因为，这样在我们老了之后看回来，会觉得自己好幼稚～～
所以，不要再做些让自己会后悔的事了～～
好好珍惜吧～
（朋友，我知道你会在看～～）




当然，少不了-----我的女人～～
大学生涯中，他就是陪伴我塞时间的人啦～～
嘻嘻～怎么说?
跟他在一起，我们都是做一些开心的事～
例如，慈济hukm儿童院，帮百货公司量马路，吃吃喝喝，当然最重要的是一起败家是我们的专长～～
嘻嘻～～


好啦～快乐的时间总是过得特别快～～
接下来，就该好好为最后2张纸奋斗了～
加油吧～～

p/s:亲爱的大家，记得，把系上的气氛弄好不是我们的rights而是我们的obligation~~~
我们不是有权利这么做，而是有义务这么做～～
让我们一起为大家制造一段刻骨铭心的回忆吧～～













～爱大家的～
～苏菲笔～
*muaks*

我们找回了生活的中心

看来，我们找回了生活的中心了～～
少了批评的对话，我们变得格外的开心～～


生活不就是如此吗？
当我们用开心的事情填满我们的生活时，不开心的事情自然而然的就会被淘汰～～
我们，真的不该再让那些烦人又不开心的事再有机会进入我们的生活了～～
我们一定要把握这短短的时光，让我们以后回想起来，只有甜蜜与开心的～～
至于那些我们不爱听又不喜欢的陌生人，就让它留在我2010，4月吧～～
5月份的每一天都将会是开心的～～
因为对我们来说，我们时日无多了（因为大家都要去最求自己的人生了）～～

加油～～

是该当个泼妇，还是当个有涵养的苏菲，选择权在自己手上～

Get OUT of my LIFE~为什么我就不可以拥有陶渊明的世外桃源？
或许她说的对，我为什么总是在为别人弄成自己是坏人？

算了吧～ 自己不喜欢被别人当武器，我也不该让身边的人当炮灰～
或许我比较适合当个俗喇～

我放弃～ 我答应自己，往后的日子就乖乖当个俗喇吧～
苏菲不当公主，因为公主总是刁蛮～
也不当帅气的苏菲，因为我注定是个俗喇～
或许我该当个水中的苏菲，让泳池里面的水，分享我的心情～

尔虞我诈，我累了～ this is NON of my BUSINESS~

俗喇苏菲只想好好与身边的朋友享受这短短的时间～
至于陌生人～请远离我～我不想再吵什么了～
因为我发现，这些日子我变得像街边的泼妇，很没品～

朋友，对不起～
也谢谢你们的提醒～还好我有你们～
我的好友～我不会忘了对你那10天的许诺～

我祝福自己可以远离世俗的浑浊，找到一片真正属于苏菲的净土～
而那里只会拥有我最爱的家人，朋友～
至于陌生人，将会永远的被隔离在外～

carmen 和我分享了这一段～～
“忍耐并不是懦弱，也不是伤自尊，而是宽容美。
请放下理直气 壮的坏脾气，在适当的时候让一步，
不仅可以体现出你的涵养， 而且还会让你成为受人欢迎的女孩。
生活里会遇到很多不公平的事情，也会遇到很多让你无法接受的人，我们不能试着去改变别人，与其非常愤怒的大声指责别人的行为，不如怀着理解的心态给对方一个微笑.
声嘶力竭的与别人争论并不能赢得所谓的自尊，反而让你丢掉自尊。”

或许这就是事实，这些日子以来，
我为了找回我丢掉的自尊，而像泼妇骂街似的没品，反而让人看见自己的丑恶～～

我为了斗气，竟然把自己的修行全毁了～～
我不想做泼妇～只想当个与世无争，有涵养的苏菲～～

我感恩～感恩身边的善知识～让我不会一错再错～～～～
慈济四神汤好久没喝了～～是时候煮一煮，喝一喝～～
知足、感恩、善解、包容～～～

至于，某人，10天的承诺～～我会记得～～

我就是这样～

今天又在见会我可爱的FE Mates了～好开心～～但是却好像有少少搞砸了～～
对不起，我知道你不喜欢我们争锋相对，我知道你不喜欢我们这样讲大驾、小架的坏话～
我也知道，你认为这样没有修养～～～
或许你会说，跟了师公上人这么久怎么好的都学不起来～～
我只能说，对不起～我不是圣人～～
最近，我总是我努力的嬉皮笑脸，我努力的挤压脸部的的肌肉，为的就是挤出连我都觉得虚伪的笑容～～
我总是不正面起冲突，因为我觉得，没必要～～因为不管怎样，她都没有惹到我～～我还可以容忍～～就只是纯粹的不喜欢～～～
但是，今天，我决定豁出去，不是因为我想搞砸大家的心情，而是，我真的不能容忍别人利用我～～～
这3年来，我自认为我把我那牛的不能再牛的脾气，收藏的很好～～
可是，我却选择在临毕业做出令我做出这件事，是有原因的～～～
我说过，只要大家玩的开心，我不在乎低声下气，更不在乎失去那小小的尊严～～～
但是，人总是不能没有原则～～～我的原则是，耍手段不要耍到我身上就没事～～

我，黄锦华，长这么大，最最最最不能接受也不能原谅的就是利用我～～
我真的没有办法接受～～

或许你会说，怎么这么自私？就为了你的原则，弄得大家尴尬～～
但我想说的是，既然他当初选择了利用我们的感情，就该预了今天会有这种下场～～～

我不是笨蛋，更不是白痴～～
我也不是哪一种懦弱的女生～～如果今天人家骑到我的头上来，我还不吭声，我会觉得自己是俗喇～～
是窝囊废～～～

因为我真的很痛恨着一种卑鄙无耻，下流贱格的行为～～～
我祝福她～更祝福我自己，可以释怀（虽然很难但至少，我想努力～）～

如果你觉得听了这些话不舒服，我慎重地向你道歉～～对不起～～

the summarize of Malaysia Economy done by sophie~

FE mates, you need to study this and chapter 2 ONLY~i have deleted all those "not important"and i have COMBINED the lecture notes(PPT and 21pages word file) Good LUCK~

ME Lecture Notes

Topic 3: Industrialization [Week-3 to 5 (ISI, EOI & Heavy Industry)]

Import-substituting industrialization (ISI)

Malaysia preferred import-substituting industrialization (ISI) during the early stage of industrialization (1958 – 1968) due to the following reasons:

(i) Malaysian government wanted economic self-sufficient & conservation of foreign exchange.

(ii) Raise in the price of foreign-produced input that Malaysia, as a small country has no control (to reduce the price).

(iii) Technological innovation as Malaysian infant industries experiencing economies of scale.

(iv) Compatible with achieving high employment (low unemployment) target because ISI is labour-intensive.

Problems during the early phrase of import-substitution industrialization (ISI) in Malaysia:

(i) Rent seeking become widespread in Malaysia.

a. Companies prepared to lobby Malaysian politician and offer them directorships on the boards of subsidiary companies in Malaysia.

(ii) No pressure on the companies to seek out exports.

a. This meant that, for industries subject to economies of scale,

b. production was limited to a small domestic market and was therefore high cost.

(iii) The import substitution tended to be limited to final consumer goods, with protection being higher on those goods.

a. This increased the consumer goods prices and results in inflation.

(iv) The majority of the import-substituting industries were set up by foreign-owned companies.

a. No protection on domestic consumers

b. Always try to maximize profit

c. Profits are likely to be remitted out of the countries

(v) There was a regional concentration of industry.

a. Bias - consumer goods and domestic market

b. Bias - large town on west coast of the Peninsula

c. After incorporated into the Federation in 1963, (916) East Malaysia (Sabah and Sarawak)

i. paid higher prices for protected manufactured goods

ii. while getting few of the industrialization benefits.

The problems of export-oriented industrialization (EOI) in Malaysia:

1. A trade and economic policy aiming to speed-up the industrialization process of a country through exporting goods
2. Opposite with import substitution industrialization
3. Export-led growth
4. Developmental aid under the successive Five Year Plans
5. Opening domestic markets to foreign competition
6. Reduced tariff barriers , free trade zones and government regulations,
7. Development of the economies of the Asian Tigers: ……
8. Problems : lack of product diversity , makes the economies potentially unstable
9. There was little net foreign exchange saving.
1. Reason 1: material input averaged 70% of gross sales.
2. Even though sales from Export Processing Zones (EPZs) totaled RM23,057 million over eleven-year-period 1972-82, net export totaled only RM6,853 million after deducting the material inputs (the large majority of which were imported) of RM16,204 million.

3. Reason 2: most companies producing in EPZs were foreign-owned.

i. Most the profit will have been remitted.

ii. Net foreign exchange earnings : Approx. 10% of gross sales.

10. Wages in EPZs have been very low.
1. With increase in low-wage EPZ employment, by 1978 the real wages (after inflation adjustment) in manufacturing sector was below that of 1968.

2. There was little technology transfer or development of skills in the industries established in the EPZs and few linkages with the rest of the economy.

Topic 4: Agricultural policy [Week-6]

Effect of agricultural modernization to Malaysian Industrialization: Positive Effects

1. Provide enough food for the industrial sector population.

2. Increase productivity in agricultural sector release labour surplus to industrial sector.

3. Generate higher income to agricultural sector population. This lead to higher domestic demand and savings that support the industrial sector.

Effect of agricultural modernization to Malaysian Industrialization: Negative Effects

(i) Since prices are mainly determined by the conditions in the world markets, high productivity and output in agriculture may, without offsetting changes in relative prices, may induce the flow of resources into the agricultural sector, thereby squeezing out the manufacturing sector.

(ii) Greater export earnings contribute to increasing foreign reserves, which in turn appreciating the real exchange rates. Real appreciation of Ringgit squeezes manufacturing profits, thus lead to de-industrialization.

Our Golden Crop – Palm Oil

1. Palm Oil Plantation is a sector in which Malaysia is globally competitive
2. world 2nd largest producer
3. strong fundamentals
4. trans-fat regulation in US
5. growing demand from China, India, Pakistan & EU
6. bio-diesel

Trans-fat regulation in US

1. Starting in Jan 2006
2. food producers and manufacturers to label the trans fat content of food
3. Trans fats is a type of “unsaturated fat”
4. Not required and not beneficial for health
5. consuming trans fat could increase the risk of coronary“heart disease”
6. Soybean oil has a relatively high proportion
7. “unsaturated oil” which is an undesirable for our heart

China and India

China

1. B4 2006 : quota system
2. Start 2006 : No longer restricted by any quota
3. 1st Jan 2006 : Administration of Automatic Import License
4. Importers : need license to import CPO, Soybean, rapeseed oil
5. monitoring & to control the high inflow of oil
6. ASEAN + China : Free Trade Agreement

India

1. 70% share of imported vegetable oils in India
2. imbalance import duty : CPO vs Soybean Oil
3. import tax on CPO = 80%
4. Import tax on processed palm oil = 90%
5. crude soybean oil : import tax 45%
6. as part of its commitment to the WTO.

Bio-Diesel

1. Malaysia : pioneer palm biofuel producer
2. Palm based bio-diesel is usable in unmodified diesel engines
3. high crude oil price –catalyst
4. advantage to compete with other feedstock as it is the cheapest vegetable oil available on the world market
5. EU : actively promoted the use of biofuel to reduce its greenhouse gases emission
6. Kyoto Protocol : industrialized countries will reduce their collective emissions of greenhouse gases by 5.2% compared to the year of 1990

4 strategies of NBP

1. Producing a bio-diesel fuel blend of 5% processed palm oil with 95% petroleum diesel.
2. Encouraging the use of biofuel among the public, which will involve giving out incentives for oil retail companies to provide biodiesel pumps at stations.
3. Establishing an NEW industry standard for biodiesel quality, which will be the responsibility of SIRIM.
4. Setting up of a palm oil biodiesel plant, which is targeted to be built in Labu, Negri Sembilan.

Malaysian Envo Diesel (B5)

1. Malaysia Palm Oil Board (MPOB)
2. Envo Diesel : B5
3. a blend of 95% petroleum diesel and 5% processed palm oil (or cooking oil).
4. Common in Malaysia ????

Summary of Major Differences of Malaysian B5 and European B5
Oil	Malaysian B5	European B5
Based Oil	Palm Oil Based	Rapeseed Oil Based
% of organic oil	Add 5% processed palm oil(smiliar to cooking oil)	Add 5% Methyl ester
% of petroleum diesel	95% petroleum diesel	95% petroleum diesel
Quality	Lower Specification	Higher Specification
Workability	Yet to be proven	Proven Workability
Fulfillment of EU standard	Do not meet EU standard	Meet EU standard

Topic 5: Investment Policy [Week-7]

Foreign direct investments: Positive or negative to economy?

Positive effect of FDI to Malaysia economy development:

(i) Investors introduce modern technology and management, increasing level of technical efficiency as well as promote R&D.

(ii) Investors fill in the gap between domestic saving and investment.

(iii) Foreign exchange reserve increase due to inflow of funds.

(iv) Training by foreign firms help develop Malaysian human capital.

(v) Profit generated from FDI contributes to corporate tax revenue.

(vi) Increase employment opportunity.

(vii) New firms lead to setting up of supporting industries that are required by the set up of factories and bring prosperity to the local population.

Negative effect of FDI to Malaysia economy development:

(i) FDI may harm environmental if foreign firms investing in Malaysia are because of less stringent environmental rules.

(ii) Create fierce competition for workforce to the local industries.

(iii) Global capitalists “imperialism”.

(iv) Cultural friction that may even harm international diplomatic.

(v) Various incentives and infrastructure spending to attract FDI are from public fund (either through government borrowing or tax).

FDI in Early Development Phase

1. British colonial encouraging FDI in primary sector, predominantly in plantation and mining sector and

2. active discrimination in favour of British investors.

3. 70% held by British corporations and agencies with most investment being in rubber and tin industries.

FDI in the Import-Substitution Phase (1966 – 1980)

1. Reduce restriction on foreign capital; despite impose a 30% Bumiputera ownership requirements.

2. The main beneficiaries were still the British firms.

3. Rent Seeking

FDI in Export-Oriented Phase (Pre-Crisis 1997/8)

1. FDI : increase significantly
1. US$959 million (1985) →US$17.6 billion (1990)
2. Manufacturing projects (Electrical and electronics)

2. Investors USA, Japan and Singapore
1. began to overtake British investments.

3. Special efforts and incentives were made to attract foreign multinational to locate their offshore assembly operations in Malaysia.

Special efforts and incentives for FDI

1. Promotion of Investments Act 1986 would grant pioneer status. The incentive given is an abatement of 70% of statutory income for 5 years.
2. Incentives which allowed a tax relief up to 10 years, exemption from Malaysian income tax for 5 years and it is renewable to 10 years.
3. Declaration of electronics products as priority products for the purpose of extension of the tax relief period.
4. Establishment of Free Trade Zone (FTZ) facilities for export oriented industries. The Free Trade Zone Act was gazetted on September 5, 1991.

Incentives for MSC Status Companies

1. MSC-Status : 10-year Pioneer Status Tax Holiday
2. A 100% Investment Tax Allowance: New investments made in cyber cities,
3. Tax exemption on import of multimedia equipment
4. Duty-free: Importations of multimedia and training equipment

Incentives for MSC Status Companies

1. Ensure no internet censorship and provide competitive telecommunications tariffs
2. Freedom to borrow fund globally
3. Unrestricted employment of local and foreign knowledge workers.
4. Exemption from selective exchange control measures.

Investment Region / Corridors:

Iskandar Development Region (IDR) [now known as Iskandar Malaysia]

Background Information

(i) Officially launched on the 4^th Nov. 2006

(ii) Key engines of growth identified under the 9^th Malaysia Plan

(iii) Located in the state of Johor at southern Peninsular Malaysia

(iv) Covers 2217 km² of land area

Plan, Incentives and Expectation

(i) Plan to make IDR a strong and sustainable metropolis of international standing.

(ii) The government has committed more than RM 4 billion towards infrastructure development in the region.

(iii) On March 22, Prime Minister Datuk Abdullah Badawi announced an attractive package of investment incentives (include 10-year examption from corporate tax) for qualifying companies in six target sectors.

(iv) The six target sectors are creative industries, educational services, financial advisory and consulting, healthcare, logistics and tourism-related services.

(v) Foreign workers in IDR would be able to import or purchase a duty-free car for their personal use.

(vi) Companies will be free to employ foreign workers within the IDR.

(vii) IDR expected to draw FDI worth US$40billion in the first seven years.

(viii) IDR projected that 817,500 jobs will be created in the region up to year 2025.

(ix) Despite allow employing foreign workers, Malaysian are expected to make up the majority of the workforce there.

Northern Corridor Economic Region (NCER)

For Agriculture:

(i) Thrust 1: Improve scale and professionalisation.

a. Programs for Thrust 1: Professional land management (Estate concept) and professional marketing company to create regional brand identity.

(ii) Thrust 2: Technology & quality standards.

a. Programs for Thrust 2: Better seeds, Good Agricultural Practices (GAP) and NorthStar Agriculture Scholarships.

For Manufacturing:

(i) Trust 1: Increase E&E value added

(ii) Trust 2: Develop new sub-sectors

a. Programs: Micro-Electronics Centre of Excellence; funded secondment programs; biotechnology, agriculture downstream; oil & gas

For Services

(i) Trust 1: Strengthen tourism

(ii) Trust 2: develop logistics & trading services

a. Programs: Develop 2-3 of Langkawi’s outer islands; 2-3 main tourism clusters on mainland; incentives to encourage flow of raw & semi-finished goods into NCER

Topic 7: Financial Markets [Week-9 & 10]

Role of Financial System

The financial sector provides six major functions that are important both at firm level and at level of economy as a whole.

1. Providing payment services: It is inconvenient, inefficient and risky to carry around enough cash to pay for purchased goods and services. Financial institutions provide an efficient alternative. Examples are personal and commercial checking and check clearing and credit and debit card services.

2. Matching savers and investors: Although many people save, such as for retirement, and many have investment projects, such as building a factory or expanding the inventory carried by a family micro-enterprise, it would be only by wildest of coincidences that each investor saved exactly as much as needed to finance a given project. Therefore, it is important that savers and investors somehow meet and agree on terms for loans or other forms of finance. The presence of banks, venture capitalists or stock markets can greatly facilitate matching in an efficient manner. Small savers simply deposit their savings and let the bank decide where to invest them.

3. Generating and distributing information: One does not always think of this function. Financial system (e.g. stock markets) facilitates price matching and discoveries for stock and bond prices. Banks collect information about the firms that borrow from them, rating agencies evaluate credit worthiness of bond issuers while other financial institutions (e.g. securities firms) have research and data compilation on firms, equities, bond and economic condition.

4. Allocating credit efficiently: Channeling investment funds to uses yielding the highest rate of return allows increases in specialization and the division of labour, which has been recognized since the time of Adam Smith as key to wealth of nation.

5. Pricing, pooling and trading risk: Insurance markets provide protection against risk, but so does the diversification possible in stock markets or in banks’ loan syndications.

6. Increasing asset liquidity: Some investments are very long-lived; for example, investment for a hydroelectric plant may last a century or more. Thus, most investors in such plants would like to sell them at some point. In some cases, it can be quite difficult to find a buyer at the time one wish to sell. Financial development increases liquidity by making it easier to sell, for example in stock market or to a syndicate of banks or insurance companies.

Major objectives of Bank Negara Malaysia:

1. To issue currency and keep reserves safeguarding the value of the currency.

2. To act as a banker and financial adviser to the Government.

3. To promote monetary stability and a sound financial structure.

4. To promote the reliable, efficient and smooth operation of national payment and settlement systems and to ensure that the national payment and settlement systems policy is directed to the advantage of Malaysia.

5. To influence the credit situation to the advantage of the country.

Microfinance / Microcredit

1. provision of financial services to low-income clients
2. self-employed,- who traditionally lack access to banking and related services.
3. founder Muhammad Yunus
4. Bangladesh
5. Grameen Bank in the 1970s
6. Based on a separate set of principles,
7. Emphasizes building capacity of a microentrepreneur, employment generation, trust building,and help to the micro-entrepreneur on initiation and during difficult times.
8. A tool for socioeconomic development

The problem of micro-finance in Malaysia:

A. Loss of Direction:

a. Revision of loan ceiling caused the average loan size jumped by 400 percent between 1994 and 1998, and this was accompanied by an increase in portfolio risk (larger loans amount to 'mission drift').

b. An increase in numbers of 'drop outs' from the program, especially among poorer members, was noted from 1994 as loan sizes increased (leakage of loans to the 'not so poor' and the 'non poor'').

c. AIM's expansion from 1994, at which time it had reached some 50 percent of its target group in Peninsular Malaysia appears to have been more in terms of value of loans outstanding than increased outreach to the hardcore poor.

B. Inefficiency of Microfinance in Malaysia:

a. In Sabah state, for example, the Yayasan Usaha Maju microfinance program grew too fast. Last year, the program lent out some $10.7 million in loans to 12,732 borrowers. But interest income on those loans was only $115,000 and operating costs were over $1.2 million. The program is now faced with cutting the number of branch offices by half.

b. AIM’s setback was due to the Single Mother Loan Scheme (SKIT), which contributes to its poor performance of collection of about 36% and also from fisherman Loan Scheme.

c. AIM still depends on the support from the government and related agencies for funding. With a fixed administrative charge of 4%, it does not cover its operating costs and could not be sustainable and self-dependent.

Topic 8: Asian Financial Crisis [Week-11]

Malaysia & Asia Financial Crisis

1. In July1997, Thai Baht was attacked by hedge funds and currency traders
2. After few days : the Malaysian ringgit was "attacked"
3. The overnight rate : 8% →over 40%.
4. Led to sell off on the stock and currency markets
5. KLCI : lost more than 50% : 1,200 →600
6. Ringgit: had lost 50% : 2.50→3.80 to the dollar
7. First recession for many years.
8. Construction sector : contracted 23.5%
9. Manufacturing shrunk 9%
10. Agriculture sector 5.9%.

11. 1998 GDP : -6.2%
12. The Ringgit plunged below 4.7
13. KLSE fell below 270 points.
14. In September 1998, various defensive measures were announced to overcome the crisis.

Malaysia & Asia Financial Crisis

1. Exchange Control : Capital Control (ECM)

2. A drastic step to fix the Ringgit at RM3.80 per dolar.

3. Restricting the Ringgit from trading overseas

4. Expansionary policy can be implemented without fearing depreciation pressure to the currency.

5. Interest rate was lowered

6. Bank Negara lowered the intervention rate from 11% prior to crisis to 5.5% in September 2000.

7. BNM lowered the bank statutory requirement ratio (SRR)from 13.5% on Feb98 to 6%

8. Approx. RM38 billion were released into Malaysian economy system.

9. Government instructed the banks to achieve a minimum 8% annual credit growth to avoid credit crunch, violating the instruction results in fine including revoking of license.

10. Such combination of responses, especially the fixing of currency and capital control, initially draw heavy criticism

The selective exchange control measures

1. The offshore Ringgit market was eliminated and currency speculator no access to Ringgit funds.
2. This was done by “freezing” the external Ringgit accounts of the non-residents in Malaysia.
3. Foreigners were not allowed to sell or lend the Ringgit to another non-resident
4. But could invest their fund freely in Malaysia.
5. Currency traders: unable to short-sell the Ringgit and change its exchange rate.
6. Government fixed the exchange rate at RM3.80 to the $dollar.
7. September 1998
8. A “12-month rule” was imposed
9. Prohibiting the repatriation of portfolio funds for 12 months.
10. To prevail instability of the financial market.
11. When the situation stabilized, “12-month rule” was replaced
12. A levy and subsequently even this levy was diluted further to apply only to dividends repatriated.
13. The “12-month rule” expired in September 1999.

The rationales of Danamodal Nasional Berhad

1. To ensure that the banking sector re-capitalization process is commercially driven and that investment decisions are made according to market-based principles.

2. Delays in addressing re-capitalization and nonperforming loans issues will have a drag effect on the financial system and economic recovery.

3. Direct capital injection by the government into banking institutions is not desirable and would lead to conflict of interest.

The challenges faced by the financial sector

1. Global financial crisis could affect Malaysian banking stability.
2. Competition from Singapore. Example: Development of KLCI futures and CPO futures in Singapore futures exchange.
3. Singapore also compete with Malaysia as the islamic financial centre in South East Asia and Asia.
4. Rapid development of Islamic banking sector could be both helpful and harmful to conventional banking : reduce economies of scale in both banking sector, hence a “lose-lose” situation.
5. Banks need to restructure and re-invest for Islamic banking (including information technology application which is costly).
6. There may be legal loophole in Islamic banking that consumers’took advantage, thus destabilizing overall banking sector.
7. Lacking of expertise in Islamic banking and finance cloud slow down the development of Islamic banking.
8. Transforming equity trading system to electronic trading may cause jobless growth in equity brokering sector. Further, there are several electronic technical problem happened in Bursa Malaysia, which may destabilize confident if problem persist.
9. Liberalization under WTO requirement and ASEAN’s AFAS may bring in strong foreign competitors. Local financial sectors (banks, securities firms, etc) may lose out and collapse.

Topic 10: Other Policies [Week-13]

Multimedia Super Corridor

1. MSC Malaysia or formerly known as Multimedia Super Corridor
2. Government initiative to leapfrog Malaysia into the information and knowledge age.
3. An area of approximately 15x50 km²
1. From the Petronas Twin Towers to the Kuala Lumpur International Airport (KLIA) and also included the towns of Putrajaya and Cyberjaya.
4. It has expanded to include the entire Klang Valley on 7 December 2006
5. Gateway to growing profits in Asia's booming information and communications technology (ICT) markets
6. with the full support of the Malaysian government
7. MSC Malaysia has since grown into an attractive resource centre full of well rounded workers, a bustling and attractive environment to work or invest in which all comes at a cost effective value - 'The Best of All Worlds‘
8. Has achieved excellence in innovation through Seven flagship applications
9. The four flagship applications include:
1. Mykad
2. Smart School
3. Electronic Government
4. Telehealth /Telemedicine

Seven flagship applications

1. R&D Cluster
2. World Wide Manufacturing Webs - remote manufacturing coordination and engineering support hub
3. Borderless Marketing Centers - multimedia customer service hub to provide electronic publishing, contnt localisation, telemarketing and remote customer care

Three phrases of Multimedia Super Corridor (MSC):

(i) Phrase 1: In this phrase, Multimedia Development Corporation (MDC) created the MSC, attract a core group of world-class companies, launch seven flagship applications, establish the framework of cyberlaws and establish Cyberjaya as the world first intelligent city.

(ii) Phrase 2: MDC would link the MSC to other cybercities in Malaysia with the world, create a web of corridors and establish more clusters of harmonize cyberlaws within the global society, and establish more intelligent globally linked cities.

(iii) Phrase 3: In this final phrase, it is expected that Malaysia will be transformed into a knowledge-based society. Being a global test bed for new multimedia and information technology applications of more world-class multimedia companies. It will have a bunch of intelligent cities that linked to the global information super highway and become the platform for the international Cybercourt of Justice in MSC.

(iv) Time frame: Phrase 1 (1996 – 2003), Phrase 2 (2003 – 2010) and Phrase 3 (2010 – 2020).

Multimedia Super Corridor (MSC) strives to offer the following:

(i) A platform for attracting world-class technology-led companies to Malaysia.

(ii) A Multimedia Utopia that offers a productive, intelligent environment within which a multimedia value chain of goods and services will be produced and delivered across the globe.

(iii) An island of excellence with multimedia-specific capabilities, technologies, infrastructure, legislation, policies and systems for competitive advantage.

(iv) A global community living on the leading edge of the Information Society.

(v) A world of Smart Homes, Smart Cities, Smarts Schools, Smart Cards and Smart Partnerships. Examples of Smart Cities are Putrajaya (electronic and paperless government) and Cyberjaya (multimedia industries, Multimedia University, MDC).

The four major objectives of Smart School according to the Malaysian Smart School – A Conceptual Blueprint:

Smart School Project was made one of the seven Flagship Applications of the Multimedia Super Corridor. Minister of Education conceptualized the Smart School in 1997 and seek to covert all public primary and secondary schools in Malaysia to smart school by the year 2010.

(i) Emphasis on maturity of though, application of information technology and the assimilation of noble values.

(ii) Proficiency in science and mathematics.

(iii) Enhance performance according to individual capabilities.

(iv) Contribution to the development of knowledge.

K-economy

1. K-economy : knowledge and the ability to use it to create new value and wealth.
2. K-economy includes all human economic activities of previous eras, such as agriculture and industry, but it introduces new activities that were not prominent or possible before.

Education Reform

Smart School

i. One of the Flagship Applications of the MSC

ii. Minister of Education conceptualized the Smart School in 1997

iii. The Ministry of Education's vision of ‘Making All Schools Smart by 2010’

iv. A learning institution that has been systemically reinvented in terms of teaching and learning as well as the improvement of the school management processes in order to help students cope and leverage on the Information Age.

Smart School Objectives:

1. To produce a thinking and technology-literate workforce
2. To democratise education
3. To increase participation of stakeholders
4. To provide all-round development of the individual
5. To provide opportunities to enhance individual strengths and abilities
6. Emphasis on maturity of though, application of information technology and the assimilation of noble values.
7. Proficiency in science and mathematics.
8. Enhance performance according to individual capabilities.
9. Contribution to the development of knowledge.