Rabu, 31 Ogos 2011

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A wish list of freedoms

Posted: 30 Aug 2011 04:05 PM PDT

By Marina Mahathir, The Star

We still need the fundamental freedoms that every human being desires, especially freedom of speech and expression. Our foreparents understood 54 years ago that we had a fundamental right to freedom and self-determination.

FIRST of all, let me wish everyone Selamat Hari Raya Aidilfitri. Also, as the days happen to almost coincide this year, Selamat Hari Merdeka. In many ways, this is very significant.

Raya is the day we free ourselves from a month of abstinence and restraint. Ramadan is a time for reflection on what good we have, or have not, done over the past year. It is a time to ask for forgiveness for our past sins and mistakes, and hurt we may have caused others.

Sadly, this Ramadan has hardly been an exemplary one. With insults galore, shouting and screaming, burning and threats, it has hardly been one of restraint and reflection, at least on the part of public figures. Nor was there any sense of shame at these violations of the good and holy month.

Since Raya coincides with Merdeka this year, I thought I would write a list of freedoms we should give ourselves in these coming months, besides the freedom to now eat.

First, let us have Freedom from Imagined Slights. I am sick and tired of the people who have nothing better to do than scour the media for all sorts of insults, while at the same time feeling entitled to slight others.

Some people's skin is stretched so thinly over their rounded bulks it's a wonder it hasn't ripped. Every little imagined offence calls for protests and demos, almost always outside mosques after Friday prayers. One wonders if God feels slighted at this trespassing on His property, which should be oases of calm and tranquility.

As a corollary to that, let us also have Freedom from One-Sided Prosecutions. For example, some people seem to insist on having the monopoly on being sensitive. Everyone else is assumed to have thick skin, so much so that it is now apparently OK to insult people to their faces.

Thus, action is taken only when they have been offended, but never when they offend others. One has to wonder what is so great about displaying such thin skin? Won't you wither under the sun?

Let us also demand Freedom from the Forgetful Politician, that is, those who forgot who voted them in. First off are those who insist that we should be grateful that they are there to lead us. Talk about a circular argument!

Then there are those who, although usually insisting that Malaysians are a unique species of people, totally different from everyone else in the world, are then quick to equate those same Malaysians with the worst of foreigners, those who riot, loot and destroy property.

Makes you wonder how that gels with our tourism campaigns. Are we supposed to be nice hospitable people or rioters?

One great freedom that I really wish we would give ourselves is Freedom from Snoopers, especially those intent on sticking their noses into our private lives. If one wants to create a moral society, then let's widen that definition to include ethics instead of just keeping it totally focused on our sex lives.

A moral society is not just one where everyone behaves well sexually, if such a thing even exists, but also where people feel a strong civic duty to uphold the law, not be corrupt, treat the poorest and most vulnerable well, and protect and preserve the environment.

Instead, we have increasing official "busybodiness" coupled with the encouragement of society to be bu­sybodies. Thus our young feel that they are constantly under suspicion of doing something bad, even when they are not. Does this stop all sorts of social ills? Of course not.

Indeed we should also demand Freedom from the Ostrich, the stick-their-heads-in-the-sand attitude that insists that some things just don't exist in our country. On the one hand there are people who see a conspiracy under every pebble and on the other there are those who just refuse to connect the dots.

For example, young people don't have to become pregnant outside marriage if we educate them and provide the services they need to make the best choices. Instead, we refuse to educate them and then blame them for having babies out of wedlock. Some even insist that the solution is to marry them off early.

That's where we need Freedom from the Short-sighted, those who only think in terms of short-term solutions and not the harm that will come many years down the line.

At heart, however, we still need the fundamental freedoms that every human being desires, especially freedom of speech and expression. Without these, the Snoopers, Ostriches, Short-sighted and all these others will continue to thrive and make our lives miserable.

Our foreparents understood that we had a fundamental right to freedom and self-determination 54 years ago. Let's not forget that the next time we vote.

Merdeka!

 

Malay liberty, its trust and faith in Umno

Posted: 30 Aug 2011 03:02 PM PDT

After more than 50 years of independence, wealth distribution among the races and within the Malays themselves is not improving.

How does the Malay understand the concept of a Malay nation? Looking from a Malay perspective, the following are the traits of a Malay nation. They understand it as being the homeland of the Malays, where the religion is Islam, its culture as that practised by Malays, Bahasa Melayu is the official language.

Mohd Ariff Sabri Aziz, Free Malaysia Today

What does Umno mean to the Malays and to me?

Like the American declaration of independence, Malays hold some inalienable rights, among these are the right to protect the religion of Islam, the rights on the Malay language, culture and ethnic identity and finally the right over this country.

And to secure these rights, Umno was formed. Umno is relevant for as long as it remains loyal to these rights. Or if it can reinterpret these rights better.

These fundamentals on which Umno was constructed can be said to be the ABC of Umno's mission.

'A' stands for agama or religion, 'B' is for bangsa, bahasa and budaya (race, language and culture) and C is the country.

Some of the readers may find the comparison between the fundamentals of Umno's creation with the American declaration of independence disrespectful.

America, after all, is the most powerful nation on earth. It is the only superpower.

My response is why should we be ashamed of declaring what we stand for? This is the basic fault of the current Umno leadership – it no longer gives effect and substance to these fundamentals.

Right to self-determination

How does the Malay understand the concept of a Malay nation?

Looking from a Malay perspective, the following are the traits of a Malay nation. They understand it as being the homeland of the Malays, where the religion is Islam, its culture as that practised by Malays, Bahasa Melayu is the official language.

They understand it to be a land where the monarchy system remains an integral part of their cultural and political heritage.

They understand it to mean that Malays will control some degree of the economy. They understand it further as an embodiment of the inalienable right of self determination.

Having understood this, in the end, the unpopular idea of a Malayan Union was rejected way back in history.

Umno was the driving force behind this rejection. The Malay race is indebted to Umno.

After the first general election in 1955, Umno led the other non Malay political parties to form the government. In 1957, Umno gained independence for us. Since then, this country has developed in leaps and bounds.

Yes yes, the Umno Rottweilers and Dobermans can repeat ad nauseum the achievements of the government – Felda land schemes, modern amenities, schooling etc etc.

Yes, we are indebted to Umno but never, never were we enslaved by, nor were we hostage to Umno.

Trust must be protected

What are the foundations of Umno's relevance? To my mind it is Malay nationalism.

This is the overriding thread that binds all other Malay interests. All other interests are subsumed under the force of nationalism.

Malay nationalism is about primacy of Malay interests. They must be protected, expanded and defended. This was the basis of trust given by the Malays to Umno.

I fear these interests are perceived as being watered down by the Malay public. It is watered down by weak implementation, failure by Umno to provide leadership, by rhetoric more than substance, by mere words more than action.

These sentiments and emotions emanate from the breasts of ordinary man, not those in the halls of Putra World Trade Centre.

These powerful forces can only be sustained on the backs of economic and educational strength, areas in which the Malays are weaker by the day.

READ MORE HERE

 

Merdeka! Are we truly free?

Posted: 30 Aug 2011 02:57 PM PDT

Corruption, nepotism, cronyism and the abuse of the judiciary and legislation have marred the significance of Aug 31.

Had the country's Merdeka been given due respect, the rights and sentiments of its people of all races would have been equally respected. We would not have had the incident where former prime minister Dr Mahathir Mohamad cautioned the non-Malays to "behave" themselves if they were to continue living in this country. For Malaysia, he said, belongs to the Malays, simply because at one time this nation was called Tanah Melayu (the Malay land).

Jeswan Kaur, Free Malaysia Today

Aug 31 is a day of reflection, of taking cognisance of the fact that the country's independence or Merdeka can no longer be taken for granted, that too by the "keepers" of this nation.

Regrettably, it is the "powers that be" that have marred the meaning of Merdeka. Corruption, nepotism, cronyism and the abuse of the judiciary and legislation have marred the significance of Merdeka, especially for the younger generation.

Instead of imparting profound meaning to Malaysians, Aug 31 had been reduced from the sublime to the ridiculous by the power-hungry and "self-first" politicians-leaders of this country.

The fact is Malaysia is "independent" but only in name, not in act. The existence of draconian laws that are continuously abused by the "powers that be" to safeguard its position have turned the understanding of Merdeka into a laughing stock.

To worsen matters, politicians never tire of playing the racial card, not the least bothered that they have relegated the nation's Merdeka, the respect all but diminished. As for patriotism, it had become very much a case of "to each their own".

Had the country's Merdeka been given due respect, the rights and sentiments of its people of all races would have been equally respected. We would not have had the incident where former prime minister Dr Mahathir Mohamad cautioned the non-Malays to "behave" themselves if they were to continue living in this country. For Malaysia, he said, belongs to the Malays, simply because at one time this nation was called Tanah Melayu (the Malay land).

If Merdeka held any meaning to the country's leadership, there would have been no such case where the present deputy prime minister Muhyiddin Yassin unabashedly proclaimed that he is a "Malay first and Malaysian second".

Misusing the keris

Had the meaning of Merdeka been understood by Umno, the country's dominant party championing Malay rights, its key players would not have misused the keris or Malay dagger by swaying it at the party's general assemblies to remind the non-Malays to back off from questioning Malay rights.

Under Article 153 of the country's Federal Constitution, the Malay rights are guaranteed, thereby creating a deadlock as far as debating these privileges is concerned.

Indeed, if Merdeka truly holds meaning, the Aug 28, 2009 episode would not have happened – where a cow head that had been severed was stepped on by a group of angry Malays who could not tolerate and accept the fact that a Hindu temple would soon be built in their neighbourhood of Section 23 in Shah Alam. Merdeka, really?

What was unbelievable was that such an act of desecration went on to receive the support of the Home Minister Hishammuddin Hussein. Did he not know that the cow is considered a sacred animal to Hindus? Merdeka, are we?

Yes, the painful truth is that Merdeka is no longer synonymous with freedom or liberty, more recently depicted by the July 9, 2011 "Walk for Democracy" rally calling for free and fair elections.

The police brutality vis-à-vis tear gas and water canons and beatings would always serve to remind Malaysians that they, albeit living in an independent and democratic nation, have no avenue to voice out their unhappiness with the government.

The Barisan Nasional-government which had been ruling the country since 1957 is no longer taking any chances, not after the political debacle it faced three years ago, when it lost five states to the opposition in the 12th general election.

The BN-agenda now is to, by hook or crook, silent all dissenting voices and impress a rosy picture of the country, the aim being to give BN the chance to enjoy the two-third majority that was denied in 2008.

Merdeka –but from whom?

The federal government's refusal to do away with draconian laws such as the Internal Security Act 1960, the Emergency Ordinance (Public Order and Prevention of Crime) 1969 and the prohibitive Official Secrets Act 1972 and Printing Presses and Publications Act 1984 all confirm that Merdeka had long been manipulated by the BN-government and Umno, both of whom are led by Prime Minister Najib Tun Razak.

The June 26, 2011 arrest of 30 activists from Parti Sosialis Malaysia under trumped up claims of waging war against the country's monarch and spreading subversive beliefs is another proof that truth has no place in the heart of the country's leadership.

To summon the police to "finish off" certain people because of the "danger" they pose had put the police force in a shameful position. Deaths in police cells have become the norm more than an exception. The Najib-led government's refusal to acknowledge the importance of the Independent Police Complaints and Misconduct Commission (IPCMC) in helping reform the police force signals that all is definitely not well where Malaysia's democracy and Merdeka are concerned.

Tampering with the country's judiciary to stifle the truth, as seen from the "suicide verdict" announced in the case of the DAP-aide Teoh Beng Hock and detainee A Kugan who ended up dead while in police custody give the rakyat much reason to question the validity of Aug 31.

When long-serving estate workers as in the case of the Bukit Jalil estate residents are made homeless by City Hall under the pretext of development, can they be blamed for questioning if Merdeka truly exists for Malaysians?

Unity vital for Merdeka

Does unity i.e. camaraderie between the rakyat exist? If the non-Malays are incessantly chastised and threatened, as done by the extremist Malay-rights group Perkasa and the Umno-owned Malay daily, Utusan Malaysia and coupled with the poor example shown by the country's leaders, the answer at best is ambiguous.

Name-calling and threats are not going to sustain the Merdeka spirit for long. For a nation as young as Malaysia, there is much to learn in preserving the independence it had achieved from its British masters.

But it seems that the country's politicians, this includes Najib, the ever-racist Hishammuddin, Perkasa founder Ibrahim Ali and the Umno honchos are far too foolishly arrogant to want to learn from the annals of history on what it takes to promote unity and sustain the independence gained.

Malaysians like Perkasa's Ibrahim through his racial discrepancies has tainted the whole struggle towards Aug 31, when the nation finally achieved independence back in 1957.

The likes of Ibrahim believe their onslaught of threats would blench the non-Malays into subservience towards the dominant race, often times promising bloodshed should the non-Malays dare question Article 153 of the Constitution.

The damage, however, had long been done. In 2009, churches were attacked with petrol bombs after a court lifted a government ban on the use of "Allah" as a translation for "God" in Malay-language bibles.

The ban had been in place for years but enforcement only began in 2008 out of fear the word could encourage Muslims to convert.

READ MORE HERE

 

Malaysians mark independence in shadow of ethnic distrust

Posted: 29 Aug 2011 05:43 PM PDT

By Julia Yeow, M&C

As Malaysians mark the 54th anniversary of their independence, the usual pomp and pageantry comes at a time of increasingly tense ethnic and religious relations.

Malaysia prides itself on its thriving multicultural society and the freedom of religion against the backdrop of a majority-Muslim population, but racial tensions have always simmered under the peaceful surface of this relatively prosperous South-East Asian nation.

Ethnic Malays, who are almost all Muslims, make up about two-thirds of the population, while ethnic Chinese and Indians who are largely Christians, Buddhists and Hindus, constitute a large minority.

A survey conducted by independent polling group Merdeka Center this year revealed that the number of Malaysians who felt that ethnic relations were good had dropped to 66 per cent, from 78 per cent five years ago.

The poll also showed a particularly high level of distrust among Malaysians of different ethnic backgrounds.

'In our view, the survey findings reflect a significant shift in Malaysian public thinking - the optimism of the mid-2000s appears to have given way to increased insecurities and distrust, which is in part due to the current competitive political environment,' the centre said this month after its survey results were announced.

Race and religion have always been sensitive issues here, but interracial clashes in recent years have exacerbated the growing ethnic divide and non-Muslims increasingly complain of having their rights trampled on by a majority-Muslim government.

Last year, the Home Ministry appealed against a High Court decision to allow non-Muslims to use the word Allah to mean God, a ruling that had riled most Muslims.

The case led to at least eight churches being attacked, including one in the capital Kuala Lumpur city which was firebombed.

No casualties were reported in any of the attacks, but many observers noted that the incident brought to light the fragile and tense relationships within multi-religious Malaysia.

Despite Prime Minister Najib Razak's stated commitment to closing the racial divide since he took office in 2009, Malaysia's political, education and economic structures continue to be deeply entrenched along racial and religious lines.

Since its independence from Britain in 1957, Malaysia has been ruled by the National Front, a coalition of 14 race-based parties, all claiming to represent and fight for the cause of specific ethnic groups.

Adding to the constant reminder of ethnic division is the decades-old affirmative action plan, the New Economic Policy, which favours Malays.

The worrying level of ethnic tensions of late has been blamed largely on irresponsible politicians playing the race card.

Government policies on almost every area - from education to economic and electoral reform - continue to be 'articulated from an ethnic framework, rather than seeking to find commonalities,' said Denison Jayasooria, a lead researcher in ethnic studies in the National University of Malaysia.

'This articulation and the attempt to champion ethnic policies has had an impact on contemporary Malaysian society,' Denison said.

A poll conducted by the Merdeka Center in August also revealed that Najib's popularity has suffered, with his approval rating dropping 6 percentage points over a period of three months from May.

While the rising cost of living and continued concerns of a high crime rate were some of the major reasons for the drop, observers noted that Najib's handling of racial and religious issues in recent times may have also contributed to his lagging support.

His '1Malaysia' campaign, which aims to break down racial divisions and create a single, unifying Malaysian identity, has been criticised as hypocritical vote-grabbing after his ruling coalition suffered badly in the 2008 general elections.

'I don't believe in Najib's 1Malaysia. It's just lip service,' said Maria Hasan, an ethnic Malay Muslim journalist.

'The reality on the ground is that there is an increasingly wide racial divide,' she said.

Denison said that while Najib had put in place positive reform policies, he continued to 'remain silent' in addressing racially tinged statements coming from members of his ruling United Malays National Organisation.

But despite the grim outlook for ethnic and religious harmony, Denison said he remains hopeful that the growing number of moderate Malaysians would respond rationally to sensitive situations.

'In the long run, Malaysians will reject extremism of all kinds,' he said.

'The Malaysian spirit ... will draw us towards balance.'

 

Malaysia in the Era of Globalization #80

Posted: 28 Aug 2011 06:08 PM PDT

http://img194.imageshack.us/img194/3554/bakrimusa.jpg

M. Bakri Musa

Yet despite that flourishing head start and seemingly workable system, Islamic finance later went into decline. It is instructive that the decline in Islamic economics parallels the decline in Islamic civilization. 

Chapter 9: Islam in Malay Life

Reform in Islam

Islamic Financial Intermediaries

Trade had been flourishing for centuries in Arabia, immediately before and after the prophet's time. All that buying and selling, together with the caravan expeditions, could not have taken place without there being a satisfactory financing mechanism. There must had been a system for connecting the owners of money (savers) and the users of cash (investors and traders). Yet despite that flourishing head start and seemingly workable system, Islamic finance later went into decline. It is instructive that the decline in Islamic economics parallels the decline in Islamic civilization.

Today Western financial institutions are preeminent. Western banks and other financial intermediaries did not develop overnight. They have been refined, modified, and strengthened over the centuries. The process continues to this day. Today's banks are a far cry from what they were a century earlier. The essential ingredient to the success of banks is the faith people have in them. Absent that, not even the strongest institution could survive. All the regulations and innovations in banking serve only one purpose: to strengthen that faith and confidence.

Bank failures and runs on banks were common in America during the depression. Those events are thankfully rare today, in part due to the diligence of the Federal Reserve System and the Federal Depositors Insurance Corporation (FDIC), the regulatory agencies of the federal government, together with strengthened prudential rules on reserves, heightened fiduciary responsibilities, and improved auditing. These refinements have been incremental, each in response to specific problems and crises. Banks still fail today, but thanks to the FDIC, depositors (at least the retail consumers) simply transfer their accounts to another bank without any hitch. The system is by no means perfect, as was painfully demonstrated by the massive Savings and Loans scandal of the 1980s.

The spectacular economic achievements of modern societies are attributable to the efficacy and efficiency of their financial intermediaries. Countries that have efficient and stable financial systems advance; those that don't, decline, as demonstrated by Thailand, Indonesia, and a host of Third World nations. To many thoughtful analysts, the Asian economic crisis of 1977 was in essence a crisis of the banking system.

Within the last few decades, Islamic-based financial institutions are trying a comeback. As with everything Islamic, the concept sells with Muslims. America now has mutual funds and mortgage companies run along Islamic principles. Even venerable Western banks like Citibank are entering the fray. Academic papers and conferences proliferate. Harvard' Institute of Islamic Finance and Information Program (HIFIP), with intellectual contributions from its renowned business and law schools, has been organizing annual conferences for the last few years that brought in luminaries from all over.

Much has been said of Islamic banking in which supposedly no interest is charged. This is purely semantics. Sure these banks do not charge interest in the usual sense; instead they tack on "service" fees and points. In the final analysis there is still a cost for the loan. I can give someone a 0% percent loan but charge exorbitant points, commissions, or fees to recoup the cost (interest) of my capital. The end result is the same; the borrower pays a price and the lender gets a reward.

There are American finance companies that cater specifically to Muslim homebuyers who are squeamish about mortgage interest payments. To obviate this, the prospective homeowner goes into partnership with the company to buy the house. The homeowner pays 20 percent of the price and the company the other 80, as in a traditional mortgage. But instead of paying the mortgage as in a traditional loan, the homeowner pays a market rent to the company for use of the house, with 80 percent of the rent payment going to the company and 20 percent credited to the homeowner. Every few years the house is reappraised and when the total payments cover the cost of the house based on the latest appraisal, the house would then be transferred exclusively to the owner.

If the rental market declines, the homeowner will pay less every month, which would be to his or her advantage. But if the market appreciates, as it typically does, so will his rent, and he will end up paying more cumulatively. Not only that, the company gets to reap the bulk of the benefit (80percent) of the gains on the house's price appreciation. So the consumer gets bilked twice, once in his higher monthly rent and second, in not getting the full benefit of the price appreciation. This is also an inherently a bad system as it creates a perverse economic incentive for the homeowner not to keep up or improve the house so its value would drop, and his payments would similarly fall. That is no way to run a modern economy! In addition, there are all those costs of the appraisals that are being borne by the homeowner.

In reality what these companies are doing is nothing than more an equity-sharing scheme. This has not caught on in America precisely because of the perverse economic incentive. A more popular variation of equity sharing is where the homeowner goes into partnership with a friend or family member to pay for the down payment and then together they would secure a traditional mortgage. When it is time to resell the house, the profit would be shared based on their contributions towards the down payment. With this scheme, there is still the issue of interest payments on the mortgage.

With a traditional mortgage in America, if the borrower is unable to keep up with the payments, he could sell the house and whatever is left after he paid off the loan balance is his to keep. But if the value of the house were less than the amount owed (as had happened in declining markets), and the bank forecloses on the home, the borrower would not be saddled with the outstanding balance. This is because all home mortgages have a "non recourse" clause. The borrower would lose only what he has paid into the house (his equity). So if the concern of the Islamic groups that borrowers would be saddled with debt payments forever, than there could be a similar "non recourse" clause in selected loans like study loans and loans for one's primary residence.

Similarly if the borrower is unable to repay the loan because of a legitimate reason like illness or death, the loan contract could be designed to cover such eventualities. Many loans now have mandatory disability and life insurance policies attached to them to cover such calamities. But insurance too is anathema to traditionalist Muslims, but I will come to that shortly.

I have a traditional home mortgage and I am quite comfortable with paying the interest on it. I rationalize the interest I am paying as being the rent for the house, and the principal as the payment towards the house. Technically this is correct as the bank has priority over me to the title of my house.

Most of the activities carried by Islamic "banks" are really not the proper purview of traditional banks. Thus leasing (Ijaara), another common service provided by Islamic banks, is done in America by finance companies or directly by the dealers and manufacturers. Islamic bankers also make a big deal on the supposed difference between leasing, which is halal because there is no interest, and traditional loans and mortgages, which are haram because of riba. But this is a meaningless difference. I could easily convert my mortgage into a long-term lease with the same terms, and at the end of the "lease" (mortgage) I would have an option to buy my property at an agreed upon nominal price. One could just as easily calculate the imputed interest rate on all leasing arrangements. Similarly, the profit sharing and "equity participation" lending that Islamic banks partake are properly the function of mutual funds and venture capital firms rather than banks.

By using the familiar term "bank" to describe activities that are properly the purview of other non-bank institutions, proponents of Islamic banking are misleading consumers. All these deferred sales, service charges, and lease payments are nothing but euphemisms for the cost of borrowed funds, more commonly referred to as interest. As Islamic banks do not function like a traditional bank, they should not use the label "bank." Instead they should use the more generic term, Islamic Financial Institutions (IFI), so as not to mislead the public. I would not however, recommend the acronym "iffy!"


Next: Islamic Financial Intermediaries (Cont'd) 

Politics, politics after Raya

Posted: 27 Aug 2011 10:39 AM PDT

By Wong Chun Wai, The Star

THE word in Putrajaya is that immediately after the Hari Raya celebrations, it will be just politics, politics and politics. In short, campaigning for the general election will be in full mode.

The Prime Minister, it appears, has served notice that a large part of his weekly schedule will be devoted to meeting the people and getting their feedback: that is, hitting the ground ahead of the elections.

It is unlikely that the polls would be called in November. The likelihood is that the earliest date would be in March.

There are those who like to think that polls have been fixed for Nov 11, 2011, simply because they believe that the number 11 is Datuk Seri Najib Tun Razak's favourite. But this deduction has little political logic.

It has been reported that his schedule would soon be Monday to Friday in the office, Thursday for political work and Friday to Sunday on the ground.

The focus after the Hari Raya break will be to fine-tune his address on Sept 16; National Day celebrations on Aug 31 have now been moved to Malaysia Day instead.

His call for greater democratic space, including doing away with censorship laws and setting up a Parliamentary Select Committee to review electoral laws, is just a prelude to his address on Sept 16.

It is almost certain that he will expand on democratic reforms with an outline of the changes he wants to implement in Malaysia. It won't be promises but changes that would be set out in black and white.

The fresh democratic reforms will surprise even his critics, particularly those who are pushing for a greater civil society.

In short, the new democracy that he wants to see would recognise the calls by Malaysians. It is the Middle Malaysia that he wants to address. He will say that yes, he hears these voices.

The next priority will be the Budget speech scheduled for Oct 7. The attention will be on affordable housing for low and middle income families and possibly even financial support for books and school transport.

Granted that this could be the last Budget before the elections, no one would be surprised if he tables a practical and yet balanced populist one aimed at winning votes. Given a chance, his political opponents would have done the same if there is a need to win popularity.

Obviously Najib needs to recognise that coping with the rising cost of living is the biggest concern of ordinary Malaysians.

People are worried about whether they will have enough to buy food, pay their mortgage, settle electricity bills, car loan instalments and children's tuition fees and still have some left for savings.

His Budget speech, where he is expected to expand on his Economic Transformation Programme (ETP) and the New Economic Model (NEM), will re-emphasise the point that he has an economic plan to develop Malaysia.

He will have this chance to convince the fence sitters and even those who dislike the Barisan Nasional that he should be given a chance to transform Malaysia.

After all, he has only been in office for about two years.

In short, he would challenge his opponents to show Malaysians what economic plans they have and, for that matter, who would be the Prime Minister if they form the next federal government.

Given the negative reaction towards the Government's handling of Bersih 2.0, which has dented its image, Najib would want to seize back the political momentum.

So, enjoy the break while you still can because the political roller coaster ride is about to begin.

To all Muslim readers, I wish to take this opportunity to wish everyone Selamat Hari Raya, maaf zahir batin.

Kredit: www.malaysia-today.net

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