Assalamualaikum
Nowadays , we often heard about the issue of PTPTN that maybe will be abolished soon .
I'm here not to comment / rebel / againts on this issue . Nope .
I'm one of the to-be 18 girl and i still have to take much times to understand about this issue up to the hilt .
Plus , I havent been through any such experiences with this PTPTN . But soon , maybe yes because i'm going to further my study in very soon further . By hook or by crook , i have to say yes to PTPTN if i wanna further my study in any IPTA in Malaysia even i know one day i've to repay this PTPTN in a very huge amount of money . Unless , if i further my study in any institut perguruan , ill be free from this PTPTN stuff yet still get the allowances. That's the advantages of further study in institut perguruan .
Okay , stop about repay stuff and whatsoever .
I'm here to give some opinions on "How teenagers in Malaysia trying to voice their opinions in this issue"
Okay before i continue with my views on this topic , ill show you a picture , which was uploaded by a teenangers and he voiced out bout this ptptn issue
One status was written and it has been commented on by four youths .
2 agreed ptptn been abolished and others are totally not .
I wanna ask you to take a look and read those comments and try to distiguish all the 4 comments there
2 person , who agreed with ptptn (abolish) gave their indeed quiet strong evidences on this issue compared to other 2 teens who just tried to give a condemnation on this issue and didnt give any strong points on why they didnt agreed with this . They just know to cursing people ? Spew out some accusation to those people who are trying to ease the burden of our lives ?
Yes everyone have their own right to speak but if what you say is totally nonsense and not based on the actual topic , i'd suggest you untuk hanya mendiamkan diri . Bukan apa , takut kata kata yang tajam itu boleh membawa kepada fitnah yang hanya membawa dosa kepada diri sendiri . Nauzubillah .
Dari Hudzaifah bin al-Yaman ra, dia berkata : “Aku mendengar Rasulullah saw bersabda :
“Berbagai fitnah akan dibentangkan kepada hati seperti anyaman tikar, satu benang demi satu benang. Mana-mana hati yang berhasil dirasuki fitnah itu, maka ia akan meninggalkan titik hitam. Manakala hati yang berhasil menolaknya, maka ia akan meninggalkan titik putih. Sehingga hati itu terbelah dua, hati putih seperti batu karang, yang tidak akan goyah oleh fitnah apapun selama langit dan bumi masih tegak. Sedangkan yang lainnya hati hitam seperti warna yang sangat putih terletak dalam warna hitam, ia seperti kuali terbalik, ia tidak mengenal kema’rufan dan tidak pula menolak kemungkaran, kecuali apa-apa yang bersesuaian dengan keinginan hawa nafsunya.”
(Riwayat Muslim)
From what i see , almost 80% teenangers yang mengeluarkan pendapat mereka tentang isu ptptn ini hanyalah berunsurkan kata-kata kesat dan pandangan yang langsung tidak bijak . Mereka hanya bercakap berdasarkan apa yang mereka dengar and what i can say here is , they talked based on what mereka dgr and apa yang mereka telah dipengaruhi ?
I'm not trying to mixing some political issues in this entry but i talked based on what i see . Whats point untuk menyuarakan pendapat tapi pendapat tu kosong dan hanya dipenuhi dengan kata kata kesat sampai boleh membawa marah kpd org lain yg membaca ?
I'm a girl who knows nothing jgk on this issue but atleast i can spot some big differences between advantages and disadvantages on abolish this PTPTN . Atleast i have some evidence on each of my points . Even not as strong as the others' but atleast i have to something that i can voice out on this issue . I dont know why when it comes about this , i feel quiet uncomfortable and mad when a few tennagers who only talk but act they dont know what they talking about . How sad is that isnt it ? I'm not saying that i'm good in giving opinions , furthermore in this such quiet serious issue .
What if we just stay calm and give a try and let see if without this ptptn , would it ease some of burden of our lives ? Adakah ia akan menjejaskan pembelajaran kita ? If betul orang kata , bila ptptn dihapuskan orang akan tak berapa nak hargai pembelajaran tu bt heyy mak ayah korang mesti kisah kan kalau korang tak belajar ? Nak taknak kena belajar kn ? Ni adalah utk situasi mereka-mereka yg jenis tk ambil kisah pasal masa hadapan dan pembelajaran walaupun sudah dinyatakan secara terang-terangan bahawa menuntut ilmu itu adalah fardhu ain dan tuntutlah ilmu sehingga ke liang lahad .
So , to all the teenagers out there (including me myself) , let us talk based on our views , not based on what people talked . Lain orang lain ragam . Ada orang bercakap lantang sebab dia gagah , berani , bijak . And ada orang bersuara lantang sebab dia takut akan satu perkataan ni iaitu = JATUH .
So , be wise yeah ? Let us think about this wisely . Whether it is good for us or in other ways , Wallahualam . If kita tahu negara ni negara islam , adakah unsur unsur riba diperlukan dalam perkhidmatan untuk menyenangkan anak malaysia ? Jika benar ptptn sudah diubah menjadi 'ujrah' dan walaupun ujrah itu diluluskan Majlis Fatwa Kebangsaan tetapi ttp ada unsur riba disitu .
Kalau ujrah - Bagi konsep ujrah yang terbaru, formula kiraannya adalah :
Upah = Jumlah pembiayaan diluluskan x kadar upah x tempoh bayaran balik
Contoh, jika sekiranya pelajar meminjam sebanyak RM34,000, maka kadar upah adalah satu peratus setahun, UNTUK TEMPOH BAYARAN SEMULA 10 TAHUN, maka jumlah upah adalah:-
Upah = RM34,000 x 1% x 10 (tahun)
= RM 3,400
Maka jumlah keseluruhan yang akan ditanggung atau perlu dibayar balik oleh pelajar dalam tempoh 10 tahun adalah : RM34,000 + RM 3,400 = RM34,400
Cara pengiraan ini ttp tdk menepati seperti piawaian hukum yg diputuskan oleh para ulama antarabangsa Ini adalah kerana cara kiraannya masih terdapat yang sama dengan cara kiraan riba sebelum ini. Which is the underlying fee charges. First it pledged to total loans, the latest ujrah concept also pledged to total loans.
And to recall back , in Islamic law, whether an individual lenders, financial institutions, private or government CAN NOT impose any finance charges to the borrower, especially from a pegged to a percentage of total lending. Change as the provision of loan amount :) Nonetheless, a certain Muslim students can heave a sigh of relief because the prices are cheaper and secondly, it WAS confirmed by a group of scholars Malaysia. Hence, no further liability to be their spiritual bearings when taking PTPTN loan.
So as the conclusion , sama-samala kita fikir mana satu bagus mana satu tidak bagus . Bagus untuk ikut undang-undang manusia atau lagi bagus untuk ikut undang-undang yang berlandaskan islam .
“Jiwa (roh) seorang mukmin tergantung kerana hutangnya, sehingga dilunasi” (Hadis Riwayat At-Tirmidzi dan Ibn Majah)
p/s : anis najwa shared me a very funny video which entittled 'ABUDEN' . Lols
