WAKIL PENGEDAR PROTON YAKIN BALIK MODAL DENGAN EXORA

PROTON EXORA PENENTU UNTUNG RUGI, HIDUP ATAU MATI PENGEDAR-PENGEDAR PROTON


April 2009, Kuala Lumpur. “ Purata keseluruhan jualan bulanan kereta setiap pengedar sekarang, telah menunjukkan peningkatan dengan mencatatkan jualan sebanyak 35 buah kereta dari pelbagai model berbanding dengan 28 buah kereta sebelum ini. Untuk mencatatkan keuntungan (break-even), setiap pengedar perlu menjual sekurang-kurangnya 40 buah kereta sebulan bagi pengedar di Lebah klang atau 35 kereta bagi pengedar di bahagian pendalaman. Pelancaran kereta baru Proton Exora akan dapat meningkatkan purata jualan untuk mengelak dari kerugian” kata Armin Baniaz Pahamin selaku Pemangku President Persatuan Pengedar Proton Edar Malaysia (PEDA).

1. Proton Exora merupakan penambahan model yang ke-sembilan bagi semua model-model kereta dijual oleh Proton. Buat masa ini, terdapat lapan model yang berada di pasaran merangkumi Proton Satria Neo, Proton Waja, Proton Gen2, Proton Persona, Proton Arena (diatas permintaan), Proton Perdana, Proton Savvy dan Proton Saga. Pada masa ini, hanya Proton Saga dan Proton Pesona sahaja yang laris dijual.

2. Dengan kualiti yang bagus dan struktur harga Proton Exora yang berpatutan, kami yakin bahawa kereta baru ini akan mendapat sambutan yang baik dan akan meningkatkan rataan jualan kereta Proton dengan sekurang-kurangnya 30%.

3. Proton Exora bersama dengan Proton Saga dan Proton Persona dijangka akan menyumbangkan sebanyak lebih 80% dari jualan kereta Proton keseluruhan. Berdasarkan jangkaan pengeluaran bulanan kereta Proton Exora, setiap cawangan dan pengedar akan diperuntukkan sekurang-kurangnya 10 buah kereta Proton Exora setiap bulan.

4. Pengeluaran kereta sebanyak 10 kereta setiap pengedar akan menjadi asas kepada tempoh menunggu (waiting list) penghantaran kereta pelanggan. Pelanggan yang telah membuat pesanan sebelum pelancaran hari ini akan diberi keutamaan penghantaran. Setakat ini, kami telah menerima lebih dari 2000 pesanan bagi kereta baru Proton Exora di seluruh Negara walaupun tanpa melihat kereta baru tersebut.


5. Peningkatan jualan kereta (dari purata jualan 28 kereta kepada 35 kereta sebulan setiap pengedar) bagi setiap pengedar juga berdasarkan peningkatan peratusan kelulusan jumlah pinjaman sewa beli pelanggan. Kelulusan pinjaman sewa beli bagi pembeli kereta Proton pada awal tahun adalah kritikal iaitu 30% kadar kelulusan atau hanya 3 kelulusan daripada setiap 10 permohonan pinjaman sewa beli yang dibuat . Kadar peratusan kelulusan buat masa ini telah meningkat dari 30% ke 50% akan tetapi PEDA percaya kadar kelulusan ini masih boleh diperbaiki.

6. Walaupun terdapat peningkatan dari segi jualan kereta, tetapi keuntungan yang diperolehi dari hasil jualan setiap kereta semakin merosot. Ini berikutan amalan dari segelintir pengedar yang tidak bertanggung jawab. Pengedar demikian telah menawarkan komisyen yang lebih tinggi kepada jurujual dari pengedar yang lain untuk mendapatkan pelanggan. Ini bertentangan dengan kadar komisyen yang telah ditetapkan oleh Proton Edar dan mewujudkan situasi dimana tawaran komisyen yang tertinggi akan membolot majoriti jualan dan seterusnya mengakibatkan kerugian yang besar kepada pengedar-pengedar yang lain (disorderly trade practice)

7. Pengedar seharusnya bersaing dengan Perodua atau pesaing yang lain dan bukannya diantara pengedar-pengedar Proton sama-sendiri. PEDA menyeru kepada semua pengedar Proton supaya memberhentikan segala amalan-amalan yang merosakkan dan mencemarkan seluruh rangkaian pengedar. Ia tidak memberi apa-apa manfaat atau merosakkan semangat keakraban dan berkumpulan. PEDA terikat dengan perlembagaannya untuk melindungi semua pengedar Proton dan juga orang awam, tidak akan teragak-agak untuk menyokong dan mencadangkan kepada Proton Edar pemecatan pengedar-pengedar yang tidak senonoh ini terutama apabila Yg Bhg Dato Nadzmi Salleh, Pengerusi Proton berkali-berkali menekan kan untuk mengurangkan jumlah bilangan pengedar.

8. Pengerusi Proton dan pihak pengurusannya serta PEDA telah bersetuju untuk memberi keutamaan memecat pengedar yang mengamalkan perbuatan tidak senonoh itu (disorderly trade practice).

9. PEDA menggesa orang ramai supaya mengunjungi bilik pameran atau pejabat Proton yang sah untuk membuat sebarang pembayaran pendahuluan. Orang ramai diminta tidak menyerahkan bayaran kepada mana-mana jurujual di luar bilik pameran dan sentiasa mendesak untuk mendapatkan resit rasmi yang mempunyai logo Proton juga nama pengedar yang sah serta alamat dan nombor untuk dihubungi kembali.

10. Skim Pelupusan Kereta yang diperkenalkan tidak memberi apa-apa kesan kepada jumlah jualan kereta baru Proton walaupun terdapat banyak pertanyaan. Ini mungkin punca dari syarat-syarat polisi yang ketat untuk melupuskan kereta yang berumur lebih dari 10 tahun itu. Hanya kereta yang lebih dari 10 tahun dan mempunyai cukai jalan yang sah, berkeadaan baik (road worthy condition) dan lulus pemeriksaan Puspakom akan diluluskan di bawah skim pelupusan. Skim pelupusan ini diperkenalkan untuk mendorong dan mempertingkatkan jualan kereta ekoran dari kemelesetan ekonomi. Peruntukkan dana bagi skim pelupusan kereta ini akan terbuang dan objektif untuk mendorong penjualan kereta juga tidak akan tercapai dengan adanya syarat-syarat ketat yang tidak munasabah untuk melupuskan kereta yang sudah berumur 10 tahun.

11. Rangsangan kewangan ke-dua (2nd financial stimulus) yang awal diumumkan masih belum memberi apa-apa kesan lagi kepada jualan kereta Proton, operasi perniagaan pengedar atau pada industri automotif.

12. Orang awam masih lagi dibebankan dan tidak dapat menjual kereta mereka hasil dari kadar penilaian yang rendah. PEDA telah mencadangkan kepada pihak Kerajaan untuk menubuhkan satu perbandanan yang berasingan dari bank untuk membuat nilaian ke atas kereta terpakai di Malaysia seperti di Negara-negara maju yang lain. Penilaian ke atas kereta terpakai seharusnya mempertimbangkan polisi kerajaan yang melibatkan tempoh pinjaman yand diluluskan, tempoh pembiayaan, keadaan kereta termasuk aksesori, status sejarah kemalangan, catatan pembatuan (mileage) jumlah pemilik, rekod servis dan penyenggaraan serta rekod jenayah dan penipuan. Pelbagai faktor harus dipertimbangkan bagi penilaian ini. Ianya akan mengurangkan beban orang awam dan akan meningkatkan jualan automotif.

PROTON DEALERS CONFIDENT OF BREAKING-EVEN WITH NEW PROTON EXORA IN LINE UP

“PROTON EXORA WILL DETERMINE THE BREAK-EVEN POINT & SURVIVABILITY FOR PROTON DEALER”

APRIL 2009, KUALA LUMPUR. “The average monthly car sale per dealer had improved from 28 car sales to 35 cars of various mix model variance. Urban dealers need to sell at least 40 car sales per month to break-even. The launching of Proton Exora today, will increase the average car sales per dealer by 10 additional units per month to break-even.” said Armin Baniaz Pahamin, Acting President Proton Edar Dealers Association Malaysia (PEDA).

1. The new Proton Exora will be the 9th addition to Proton range of cars. Currently there are 8 model variances under Proton brand, namely Proton Satria Neo, Proton Waja, Proton Gen2, Proton Persona, Proton Arena (base on request), Proton Perdana, Proton Savvy and Proton Saga. Currently, the most sellable model are only Proton Saga and Proton Persona.

2. Given the quality and the price structure of the new Proton Exora, we are confident the new car will be well received and will increase Proton average car sales by at least 30%.

3. Proton Exora together with Proton Saga and Proton Persona is expected to contribute 80% of total Proton sales. Based from the expected monthly production, every branches and dealers will be allocated at least 10 Proton Exora per month.

4. This will be the basis for customer’s waiting list. Customers that booked prior to the launching today will be given the main priority for deliveries. Todate, we received more than 2000 bookings for the new Proton Exora nationwide without the customer sighting the new car.

5. The increase in total car sale per dealer, were attributed to the improvement in customer’s hire-puchase loan. Proton car buyer approval rate was critical at 30% approval rate or only 3 approvals for every 10 application for hire-purchase loan. Now approval rate has improved from 30% to 50% but PEDA believe the percentage of approval can be further improved.

6. Although the monthly average number of car sold per dealer has improved, but the profit per car sold is declining due to unhealthy practices by some unscrupulous dealers. Some irresponsible dealers offered higher commission to other dealers’ sales personnel to bid for customers. This is in adverse to the allowed commission fixed by Proton Edar and created an inevitable environment of highest bidder wins that resulted in major loss to dealers.

7. Dealers should be competing with Perodua or other competitors and should not be competing with other Proton own dealers. PEDA urge all Proton dealers to stop all form of disorderly trade practices that had damage the network and is not in the spirit of camaraderie and teamwork. PEDA is bounded by its constitution to protect all Proton dealers as well as the public and will not hesitate to recommend (to Proton Edar) for termination any dealers that are involved in any disorderly trade practices especially since Yg Bhg Dato Nadzmi Salleh, Proton Chairman had specifically and explicitly reiterate to rationalize the number of dealers.

8. Proton Chairman and management together with PEDA had agreed the first priority for any termination will be on the dealers practicing disorderly trade practices.

9. PEDA urge the public to visit and only pay for booking fees at the Proton authorized showroom/office and avoid making any payment to any sale representative outside the Proton authorized showroom and always insist for a duly signed valid official receipt bearing Proton logo and the authorized dealer’s name, address and contact number.

10. The scrapping policy introduced had negligible effect on new Proton car sales although there were a lot of inquiries. This may be due to the stringent qualifying requirement that requires all cars for scrapping to possess a valid road tax, in road worthy condition and pass the Puspakom inspection. The scrapping policy was introduced to spur the automotive sales during the current recession. The budget allocated for the scrapping policy will be a waste and the objective to spur the automotive sales will not be achieved with the unnecessary stringent requirement to scrap the 10 year old cars.

11. The 2nd financial stimulus that was announced earlier does not have any material affect yet on Proton car sales, dealer’s business operation or the automotive industry.

12. The public is still burden and are not able to dispose their existing car due to the low valuation. PEDA had proposed for the Government to establish a body that is independent from the bank to value the second hand car in Malaysia similar to other developed nation. The second car valuation should take into consideration the government policy in Bank’s margin and duration of finance, physical condition of the vehicles including any added accessories, accident history status, mileage of the vehicles, number of ownership, service and maintenance record and any history of criminal or fraud. There are various other factors that can be considered into the official valuation. The public will be less burden and the automotive sales will be in stronger with the establishment of the independent body.

PROTON EDAR DEALERS ASSOCIATION MALAYSIA
Press Release

“THE SECOND FINANCIAL STIMULUS DID NOT ADDRESS THE CURRENT PROBLEMS OF THE AUTOMOTIVE SECTOR”

MARCH 2009, KUALA LUMPUR. “PEDA is grateful the government recognized the importance of the automotive sector with the allocation of RM200m to the Automotive Development Fund. However, PEDA appeal for transparency and a fair distribution to the respective value chain in the network.” said Armin Baniaz Pahamin, Acting President Proton Edar Dealers Association Malaysia (PEDA).

1. Every stakeholder in the value chain from the manufacturer, distributor, vendor and the dealers made up the automotive eco system and are equally important. Any failure in the value chain will destroy the automotive eco-system.

2. .The RM200m allocation will support and strengthened the automotive eco system but it will not resolve the main issue facing the industry.

3. There are two major issues facing the automotive industry. The main issue is the Bank’s credit risk scoring system that is becoming more stringent for car buyer to obtain loan approval. Currently, car buyer rejection rate is still alarming at the highest 60% from total hire purchase loan submission.

4. The second major issue is the Low valuation of second hand car market. Second hand car valuation is significantly less than customer’s car existing balance loan amount especially if the car is still within the first 5 years of financing. During recession, majority cannot afford to service their monthly car loan installments and they cannot even sell their car (without having to pay the bank for the balance loan). This resulted in their cars being repossessed and they being declare a bankrupt. The low second hand car valuation also hinders customer from trading in their existing car. 90% of new car buyer will want to trade-in their existing car and 80% of customer cannot fetch a fair price to trade in their car, which then lead to various cancellations of new bookings.

5. Banks are profit making organization similar to other businesses. If they value car buyer at a higher risk now given the recession, they will continue to reject loan submission and this will further affect the automotive car sales.

6. PEDA proposed part of the budget allocated to be utilized for guaranteeing the banks on any increase in the aggregate NPL given the current economic condition. The government guarantee will ensure a less stringent and more flexible financing that can spur the overall automotive sales.

7. Government must establish a body that is independent from the bank to value the second hand car in Malaysia similar to other developed nation. The second car valuation should take into consideration the government policy in Bank’s margin and duration of finance, physical condition of the vehicles including any added accessories, accident history status, mileage of the vehicles, number of ownership, service and maintenance record and any history of criminal or fraud. There are various other factors that can be considered into the official valuation. The public will be less burden and the automotive sales will be in stronger with the inception of the independent body.

8. The RM5b Working Capital Guarantee Scheme should also be made available to Proton dealers whom are badly affected from the dropped in automotive sales. Most of Proton dealers shareholder equity are below RM5m

9. The tax refund for current year losses to be carried back to the immediate preceding year taxable profit will only provide some cushion to minority dealers. The majority dealers had already suffered losses since the previous years.

10. The auto scrapping policy for vehicles above 10 years old to be traded-in for the purchase of new Proton and Perodua cars may spur some interest but will not increase car sales significantly especially with the difficulty in getting customers loan approved.

11. Most 10 year old car owner will not trade in their vehicle for RM5,000 as they would have already fully paid the car loan. If they trade in the car to buy a new proton or a Perodua, they will end-up with an average monthly loan repayment of RM500 for 9 years, if they can get their loan approved. Given the current economic condition, it is doubtful the more than 10 years old car owners can afford the monthly loan repayment. However, the scrapping policy will be beneficial to the industry in the long run.

12. Unless the part of the 2nd financial stimulus is utilized to address the two main issues affecting the automotive industry namely the high loan rejection rate as well as the valuation of second hand car market, it is doubtful the second fiscal stimulus will spur the automotive sector.

FACEBOOK ETIQUETTE

Facebook Etiquette

Its Saturday night..!! i should be singing my heart out at the home karoeke room upstairs having invested in a state of the art karoeke system or unwinding enthusiastically on a DVD-thon or perhaps just laze in bed hopelessly.... but here i am writing yet.. another tag-notes on Facebook... a good FB etiquette sort of speak... thanks to my cousin SYERRY & FAZ. Although i could just ignore when tagged for notes like this, i decided to reply but on my blog instead... didnt want to be too rude and nonetheless, the blog needs to diverse away from the more serious government, Proton, Politics and current issues affecting our daily lives. The title of the tag-note is '2 THINGS'. I kind of over-done the questions with an essay assignment-sort of answer.

A. TWO NAMES YOU ARE CALLED THAT ARE NOT YOUR REAL NAME:

My real name is ARMIN BANIAZ.... unlike other names that bears a translated meaning of other languages (mostly arabic) or religion associated but Armin Baniaz is really a self-created name...... A.R.M.I.N.... AR is actually my granddad initial Abdul Rajab and MIN is my dad's abbreviated name PAHAMIN. BANIAZ is truely my mum's name read from the back ZAINAB. Although my name was not from my creativity but that of my father but I love my name. My name is perfect... especially when it is only ME that appeared when Armin Baniaz is Google. but what i am less fascinated, is the pronunciation by ‘oghe kelatae’ (a State in the East Coast Malaysia, Kelantan) being a kelatae-nis (kelantanese). The dialect pronounced my name as AHMENG BARNIAH...... over and above the dozens of other nicknames or commercial names being conferred upon by siblings, friends and relatives... the two other than the real names are:

1. YAZ (made popular by my mum), pronounced as iyah by Kelantanese dialect
2. Bonenzo (made popular by my sista Ta)

B. TWO THINGS YOU'RE WEARING NOW:

Now, in a cold air-condition room, on Saturday, I should be in pyjamas or naked under the duvet but here i am writing Facebook tag-notes on my do-nothing night..... a default & a must wear on all occasion including now will be:

1. Tag Heuer spec that is now my daily wear having busted my eye Cornea after using an expired contact lenses!!!
2. Phiten bracelet which carries the myth of extra added energy for gym or bed activities haa..


C. WHAT ARE 2 OF YOUR FAVORITE THINGS TO DO?

When Faz tagged me this note, her first paragraph reads.. "It does not need much brain power so just give this a go"... and here I am cracking my head to shortlist the 'only' 2 names or things to write... everything I do is a favourite to me.. or else i will not be doing it at all..... but the best of the favourite things that I do is..

1. wrestling with aaraf :-o oh god.. he is indeed a wrestler and he should have learn sumo instead of taekwando especially with his size…
2. pissing-off the spouse ;-) kikiii


D. TWO THINGS YOU WANT VERY BADLY AT THE MOMENT:

God forbid.... there are so many things that I will die to have, especially now.... but currently, the most crucial is the extra hours to complete this tag-note.. ;-) :-p and still have my normal hours to 'do-nothing'.. Saturday is supposedly a day without obligation... henceforth, i badly need:

1. 28 hours a day/8 days in a week
2. prison break season 5!! eh.. or is it S6?


E. TWO OF THE PEOPLE WHO WILL FILL THIS OUT AND RETURN:

Ironically, i have 5 siblings and countless relatives when my grandad's real fulltime job is making love, babies and getting married and re-married.. i have too many cousins and relatives that even i cannott remember some of them. With so many siblings, relatives and friends.... I actually have problem thinking of 2 names that would fill out and return the tag-notes.. All of them including beloved yours truely are very shy to write and alot less sporty.. so the only two that i think will correpond and is a polished FB etiquette are:

1. Cuz Syerry
2. Sista faz
Yes.. the two person that i cant say NO to return the tag.. I always thought that lawyers are handy in writing but if I take sampling of 10 lawyers which comprise half of my siblings and most of my circle of friends, almost 100% sampling of the 10 known sibling and friend lawyers only writes affidavits, SDAs and statutory declarations. None, would actually participate in blogs or facebook tag-notes.


F. TWO THINGS YOU DID YESTERDAY:

On friday, i should write i performed my friday prayer and went to work but that will be boring. i should also say i poo and pee but hey... who doesnt. I should write my daily run and gym routine but i have written that before so what did i do yesterday that is interesting to know... perhaps something extraordinary..... i need extra coffee and cigs (to wake up the lazy brain cell) but that too did not work too. After a cup of coffee and 4 cigs, i can only say, yesterday i...

1. Started with this tag-note
2. Visited my dentist!! (horror?)


G. TWO THINGS YOU ATE YESTERDAY:

i wanted to have a feast breaking all the dietary i have been strict with the whole of this year but yesterday was one of those days that food was a routine menu. A combination of Atkins and Dr JD Adamo blood type diet, i had:
1. 10 eggs
2. Tomyam soup

H. TWO PEOPLE YOU LAST TALKED TO:

Pathetically or frantically sometimes I talked to myself and to a few imaginary friends that debated and argued with me alot.. sort of rebelling against my thinking.. but I have not given the imaginary friends any names yet.. and doing this tag-notes actually reminded me to prioritize giving them names.. any suggestions? (they are all sexy female - my imaginary friend that is). but the real person that i last spoke to was:
1. Aaraf
2. Mama
Most communication with others were done via sms.. funny how technology evolves and sms became the official form of communication even at home..!! mm...


I. TWO THINGS YOU ARE DOING TOMORROW:

Tomorrow, Sunday, I have a long list of to-do things including the naming of my imaginary friends above (which added up to the already long to-do-day list on a to-not-do anything day with supposedly no list). but if I do not want to do anything on Sunday (although it would adds up to the to-do list), the must do on Sunday list must be:
1. bodypump gym (kick ass workout)
2. Religious class with Ustaz Dr Juanda Mufti Perlis (ehem.. )


J. TWO FAVORITE HOLIDAYS

I actually do not like holidays... but the holiday that I take and enjoyed is always on my birthday. Every year for the past 5 years, I made my birthday a holy-day... but second holiday that i enjoyed most must be the General Election that is very entertaining especially of late.
1. Birthday!!! (a day to reminisce)
2. General election day! (an entertaining day)


K. TWO FAVORITE DRINKS: (NON-ALCOHOLIC)

Coffee is ultimately an addicted and a must have drink every morning, afternoon and even at night but it will be boring to just write coffee akin of writing plain water as a favourite drink. Surely, plain water must be the favourite since everyday we will drink plain water. My favourite beverage is my gym drink that will blow the vein out of the muscle before pre and post workout. My favourite gym drink is then the..

1. nitrotech hardcore protein drink
2. nitric oxide explode by BSNonline

WHEN TODAY IS MORE THAN JUST A BIRTHDAY...

When today is more than just a birthday.... (1 March 2009)

I sat alone in my study room ignoring the dozens of work emails and sms’s received that I would otherwise reply. My maid brought my hot coffee. The time now is 430 in the morning. I sipped the hot coffee and was wide awake. It is routine to start the day early with morning gym or cardio exercise, but today, I sat quietly thanking Allah swt for yet, another year to see my birthday.

A birthday seemed so much commercialized akin of a shopping day for presents instead of heart-fully celebrating the special meaning of the day. Such capitalist our society has evolved.

I am blessed to have such a darling family, siblings and friends… whom lavished me with endless gifts and presents. Every year, dad happily give designer watches, 5 figure cash or whatever that is desired as a birthday present whilst mum would shower those designer diamonds, jewels and any other luxurious items. Birthday gifts from siblings and friends will usually replaces half of my wardrobe with new designer clothing, belts, shoes etc…. I appreciate and am thankful for all the past gifts and presents from family and friends but this year, 2009 as part of my New Year resolution, I WON'T accept any presents and gifts for my birthday. Instead and indeed, I am blessed and indebted beyond word for the love, support, wonderful relationship and friendship that I have. My appreciation for family and friends are beyond presents and gifts however much the value is.

Particularly for my birthday, I am thankful to my parent (not for the watches, diamonds and wealth) but for having the right genetic recipe in giving birth to me..

My dad has been my pillar in strength, the shoulder when I am in need and the comfort and security when I am lost (quite frequently in the past). Raising a son like me (oh god) is far from challenging (almost impossible) but you never gave up (though I am sure you must be cursing at time). I have been both a pain with endless childhood rebels and notoriety as well as endless sickness. You sacrifices everything (except for your new ASTON martin DB9) and make me the person I am today. Tirelessly, you gave your love, support and the confidence in me to proceed with my dream. Having that from you is the best birthday gift any son can get. It means more than any designer watches or wealth...and car.

My mom, no matter how fat, sick, bad, naughty, disgusting and obnoxious that I can be… will always see me as the most handsome, an angel and the perfect son (though I don't think she is wrong..hehee). When I was sick and in ICU isolation for many months, you stood by my bed without leaving me for a second or a day (for the whole of 3 months in a solitary confinement of the ICU room!).. you were beside me every day and every moment. As I grew up, I became rebellious and had at time even neglected and was even rude at you taking for granted the love of a mother.. but you never sulk nor took any offense. Instead, you showered me with more love and care. This is a priceless gift from a mother and values more than any diamonds and jewels. Your love and care is a lifetime gift that I ever wanted, not diamonds and jewels. I am grateful to Allah swt for having another year with you as my mother.

With my medical history, and both dad and mum’s old age, we sometimes jokingly bet who will ‘go’ first….

My lifetime soul mate.. my one and only darling... Thank you for the non-exhaustive ideas to learn and cook various recipes for my everyday meal. Being me, although I am not fussy with food but the perks of being me comes with cholesterol, diabetic, gout and stone to say the least, over and above the blood type diet that I strictly follows. Thus limiting the choices of food that is available, but you never gave up and kept changing the menu (within the limitation) so i don’t get bored (though at times, maybe you purposely wanted me to be fat haa! :-p). Although we are very open and liberal in many ways, you always care for our pride and dignity. Your beautiful voices when singing cheered me everytime I am down and your endless encouragement (and nagging!!) in health motivates me to wake up as early as 4am to exercise everyday. I appreciate your endless and tireless care for your physique and look to always beautify yourself for me. Your patience and understanding coping with my mood and temperament kept us strong and happy together. you are perfect in every sense and it is an eternal gift that any man can ever prayed for. I am a lucky man.. the perfect you is all that I ever wanted for my birthday….

Chempaka Emalin, my one and only older sister is nothing but a perfectionist and systematically meticulous (sometimes absurdly :-p) with the smallest details that she is. For as long as I can remember, she will never fail to be punctual (at the stroke of midnight) with greeting cards, branded and boutique presents on my every year birthday although I have to admit that sometimes (or always rather), I never gave her any compliments, birthday cards or any present for many years (sssh.. she may not remember and she is not on FB or internet). BUT she, being the caring sister that she is, NEVER took offense, held any grudges and continued to generously lavish me with support, care and branded gift. The generosity, care and responsibility, is a gift that I can never repay….suffice with being what you are, I don’t need any other presents and gifts…

Azhar Sulaiman although a brother- law but is the elder brother I never had.. Since the day I knew you, until the day you married my sister, you have been very accommodative with the temperament of my family, especially me, may not be easy but your patience, endless compromise and understanding make you the best older brother I can ever dream to have. Thank you and that is indeed the best present from you………. No other material gift can ever be a substitute.

Melor Edina almost a twin sister to me (being the same age for 3 days every year and is less than a year apart from me) is the sister that I am most over-protective during childhood. Although she had to live a hard life with an over-protective brother, restricting her every movement but she had never complained (actually she had no choice.. :-D). Truthfuly, rhiza is the only real boyfriend you ever had.. and you married him (unless behind me, you happily dated other guys Grrr). In fact, she is ever-forgiving and is always there everytime I am down although my problem was never spoken to her. She knew (akin of a twin sister feeling my pain) and would appear at my house in a sudden. Thank you for being such a darling and for always been there for me. Indeed that is the best ever present from you.

Rhiza Ghazi, is more a family than ever an in-law. Having you as part of the family is a great comfort. Having a responsible brother that is always protective and family-centred has gained every sibling's trust. you being you… is already an invaluable gift than any material present can ever replace. Although I don’t accept any present, I will still claim the RM1,000 betting if I win the 6-pack contest.. kikiiii Thank you brother.

Teratai Edithy (Dr, Puan, Mummy, Mekta) is indeed the best Koya’ing partner anybody can have. Your forever concern for every sibling and friends’ welfare, makes your career as a doctor the best choice… and also a good mummy. I am very proud to have you as a sister. Your endless concern, care, love and ‘gossips’ is the best birthday gift i ever wanted from a sister. No matter how good London sale is, please shop for yourself and not for me..

Wawa Asari is a dream in-law any brother can imagine. Being forever helpful, fun, humble, adaptable to all kind of temperament and the best partner to sing out of tune karoeke makes you a great brother. That is in itself the best birthday present I can get..

Rose Emini (baby sis, chik, mek cewi) although you were 70kg.. you are still my baby sister. You are the baby-iest sister and my life saviour… you were 7 years old... although you had no choice but you voluntary and happily sacrifice your bone marrow (for my Bone Marrow Transplant) when you knew I was dying. That meant the world to me. Your patience, undivided love and dedication is the best gift you have given me beyond any other present.. thank you

Amnan Bazli, my one and only brother…… at 23 years old.. is still acting a baby.. the ‘bongsu’ syndrome.. hehee I prayed for a brother everyday during my childhood and my prayer was heard… I got you…. although you never gave me any birthday present except for a yellow tie 6 years ago, your happy-go-lucky and fun to be with, always leaves me smiling especially during most ‘mengumpat’ session about you with our sisters… hehee Having you around is the best gift and suffice without any other present. You are the best. Thank you

Last but not least, the endless list of cousins and friends that stood by me for years sharing my worst and best moment without ever seeking for anything in return but continued to lavish me further with endless presents. You know how much I have always appreciate your presence in my life.. Enough without the need for any more gifts and present, your endless support, non-hypocritical friendship, and prayer for my well being, health, wealth and joy is already the best

Every year for the past 5 years, I always take leave on my birthday with a sole objective of mesmerizing and appreciating another year of life. Every year too except for this year, I failed to do that… this year… I did just that (the whole day!!)……… and I am filled with joy to be blessed with wonderful family and friends. Life can never be as perfect even with the most money, without a wonderful family, relatives and friends. Thank you all for being what you are.. Which is the best ‘presents’ for my birthday!!! May Allah blessed and return the invaluable present that you have given me. Allah Huakbar..

25 RANDOM THINGS ABOUT ME

25 random thing about me.....


I was tagged too many times on FACEBOOK from what is seemed as a polite way to know friends. It may be a catastrophe to know more about me but since i've been tagged several times, i will not spare you from knowing the unbeknown.

RULES (with a minor modification from Facebook). Once you've read, you are supposed to write a note with 25 random things, facts, habits, or goals about you. At the end, choose 25 people and emailed the note. You have to also emailed the person who emailed you. If I emailed you, it's because I want to know more about you.

1. I enjoyed singing but never knew how ugly it sounded. One day, I sang my heart out whilst driving alone from Buckingham University to London and I incidentally dialled a friend’s mobile phone. His mobile phone was out of coverage area and my (incidental) call was recorded in his voice-box message. Embarrass and ugly was an understatement when I heard the replay of the voice-box message.. I did not use my mobile phone for a few months thereafter but continue my out-of-tune sing and karoeke’ing even till today but only with closest of friend.

2. I enjoyed making friends. I can enter, greet and talk to everybody in a hall full of people but I can hardly remember faces and names. I take it as birth defect. There was once in my late teens, I parked myself at a table full with people at a restaurant mistakenly thought them for someone else. After eating and an hour of conversation, one of them politely asked if we have actually met? I wanted to bury myself under the table but I politely apologize and disappear. Ever since, I never approached anybody unless first spoken to. Many may thought of me as unfriendly but I have had too many embarrassing moments.

3. Habitually and subconsciously, I picked my nose in public once too often… for the longest of time! i had only realized my bad habit upon meeting an old high school friend Musa Z, that claimed my habit dated back since high school (I never realized). After that, I was more aware of the bad habit and notice myself doing it so often and felt shameful (at myself). I have to admit that its disgusting but really…. It was really pleasurable.

4. I was rejected once by a girl, my classmate during primary school. I was 12 years old but was too shy and had never spoken to her. After many sleepless nights, I decided to express myself to her by choosing a carefully worded card for Hari Raya. I browsed all the varieties of cards and after much deliberations, I chose a card that read “Selamat Hari Raya Kekasihku”. I bought and quietly left it in her postbox. She must have freaked out and avoided me the whole year until we left primary school. We were 12 years old. I felt so kodi and kampong everytime I thought of it… and could not stop feeling stupid even todate. I mastered the skill and was never rejected by anybody since.

5. I love gardening. I was the gardening association (persatuan berkebun) committee member during primary school at SRK kampong Tunky, PJ, Ever since then, I have been planting flowers and plants. At my old house in kelana jaya, I had my own hanging garden of babylon having converted the rooftop into a nursery. All the flowers died barely a month later although I cannot express my love for plants. After various attempts without success with all plants died, I employ a gardener who maintained my beautiful and colourful garden. Despite my love for plants, we don’t have any chemistry.

6. When my luck with plants ran out, I breed fishes. I bought an aquarium with many colourful fishes for my house. After repeated replenishment of fishes in the aquarium which kept dying, I changed the concept and bought just one but an expensive Arowana which is said an easy care. I gave up my aquarium when the arowana died too in less than a month. Nawal once said, this is how I care for people too.. luckily nobody died…

7. I love running. I used to run for 7 hours on the treadmill every weekend. Now I run every alternate day at 530am for 10 km. When I was staying at my old house in kelana jaya, I run daily 10 km to the Fitness First gym @ the Curve where my driver awaited with my working attire. I would shower, change and go to work from the gym. Simon, a Singaporean friend called me stupid having paid so expensive for a car and a driver BUT had to run to the office everyday.

8. I am a workaholic. When I was working at the merchant bank, I was chased out once by my boss. I discharged myself from the hospital and went straight to work after a major operation to remove glass pieces that was buried in my forehead from a 2 years old car accident. My boss Ramlah Abu Bakar freak and chased me out when she saw the fresh blood and stitches on my forehead.

9. I always lost track of day and time. one day, I woke up and screamed frantically at my driver for not turning up for work only to realize it was a Sunday..

10. I am pathetically a loyal person. I do not know how to mix and add varieties without feeling disgusted. I cannot have Dominoes pizza without the feeling of betraying Pizza Hut. Similarly, I am loyal to Mc Donalds and cant bear Burger King, I love coke and wont drink pepsi and will never take any other fast food chicken but KFC. I am also a Nokia loyalist and cursed at the Blackberry Bold and felt betrayed when the Bold didn’t perform (similar to nokia) as how I expected. Maybe I am a victim of ‘branding’.

11. I love cooking. Dont fall off the seat but I enjoyed cooking when I was in Uni. I was forced to cook with a tight budget. I lived on scholarship and it was impossible to survive without cooking own food. Upon arrival, I went to the local grocery store and bought myself some raw meat for dinner. The meat was fresh and still covered in blood. I washed the meat thoroughly with soap. The meat turned pale white and was tasteless when I fried it with turmeric (not knowing i have to add salt). My mum had a good laughed but told, my dad did the same when he tried helping my mum in the kitchen. Unbeknown to me, washing raw meat with soap won’t make it more hygienic. Later, I learn my love is not in cooking but in eating good food. Hence, I began courting ladies at uni for food which is easier than to experiment own cooking, I ended up being a few kilos overweight upon graduation.

12. I enjoy writing though my vocabulary may not be as rich as I wanted it to be. I have a blog (www.arminbaniaz.com) that I write regularly and is currently in the middle of writing a few books.

13. I love doing the impossible. My first triathlon was the Ironman triathlon, 3.8km open water swim, 180 km cycle and 42km run. I attempted the Ironman triathlon with only 4 weeks of training and I had not swim since pre-school. The ironman was my first swim in open water. I completed the 3.8km swim and abandoned the race at the 136th km cycle. I also attempted the 84km ultra marathon in Singapore without sufficient training. I completed 64km of the 84km ultra marathon. Though I did not complete both events, I love the pain that I had to endure whilst attempting it. The pain may not be as excruciating if I were to have had sufficient training. now i run simple 21km or 42km marathon.

14. I hate travelling. Contrary to my siblings and parents, I just dislike travelling. I hate everything from packing and sit stupidly in the plane (or car) to reach any destination and then get interrogated by the custom officials upon arrival. When I was a student in the UK, whilst other people travelled throughout Europe, I stayed alone at the hostel along very few other students of the same species.

15. I hate queuing. I will avoid any places that I have to queue. When I was in my teens, my friends (very understanding bunch) had to find the manager or the owner of the club to sneak me into a disco or concert without queuing. I stopped going to concert and disco now because I have lost contact with most of club managers, bouncers and owners except Zouk.

16. I love museums much to the bore of my friends. When I was at high school, I skipped (ponteng) classes and spend the whole school time at the museum. My mum never knew this.. ssshh…I rebelled against our education system and discover a more exciting and interesting way to study.

17. I love to read at weird places. At time, I parked myself at a quiet corner either at coffee bean or starbucks and read books or magazine from morning until late evening. When I was a banker more than 10 years ago, I used to drive and parked my car at NKVE Sungai Buloh highway break, read a book and have coffee in my car until after dinner. My friends who saw me in my car parked for hours at highway breaks asked me to seek professional help thinking I was suffering from mid life crisis in my 20s.

18. I never understand gambling. I used to gamble over a game of snooker or pool which I never did understand the concept and I always end-up paying. Though I hate gambling, I will never be the spoil-sport and will bet if asked. I have tried gambling at casino when I was in London but I just don’t understand how anybody could dream of becoming rich at the casino. Casino is a real rip-off but many people get sucked into it.

19. I am a sucker for latest handphones. I used to carry 3 hand phones with different service providers. There was once, I travelled all the way to Singapore when I heard they have launched the latest Nokia Communicator. I bought and paid more than S$2000.00 (RM4,500) and proudly came back to KL to discover the same phone was already launch in Malaysia for only RM2,800.00.

20. I love my privacy. I am very personal person especially with my drawer, hand phone and laptop that I will never allow anybody to even touch it. In the beginning, it created a lot of tense with many believed I have a secret to keep and we argued a lot because of it. But now, most family and friends accepted my peculiarity with my privacy.

21. I love trying out new activities. I didn’t play sport during youth due to my medical sickness. 5 years ago, I was invited to play football in a competition between Proton dealers, proton vendors and proton factory. So excited was I, though I have never kicked a ball. It took me a month of preparation, I bought a new football shoe, socks, uniform etc except for practice. I played against Proton factory led by Tengku Mahaleel himself as the captain. I chased the ball hilariously at one opportunity and gave my best kick only to see my shoe flying off. I stopped playing football. My football shoe that was only worn once, is still new 5 years later. I have a whole cabinet full of new items (including golf clubs that was only used 3x) from experimenting activities. I am sure this is genetic from my dad (dont tell him!)

22. I am snake-phobic. I could not stand the sight or the sound of any snake. A cobra once entered my proton workshop in Puchong and was kept as a pet by my manager, whom promised to safe guard it in an aquarium in the store room. One day, I heard another staff screamed the aquarium cover fell, I quickly jumped and climbed a built-in book shelve in my room screaming for help. My room was on the first floor and the snake was downstairs. That was not cool but I was not amused.

23. I have a bad sense of direction. I got lost in London many times though I lived there for many years. There was once, I came out of marble arch tube station and took a cab to the old Malaysia hall which was located 5 minutes walking distance away. In KL, many times, I have to call my friend in Alor Star, Kedah for direction to go to Ampang. I would like to believe that I was born to be chauffeured driven but the truth is, I just can’t find my way, even in a car park! Now, I have an Indonesian driver to drive me around Malaysia.

24. I love to bargain and negotiate. I probably inherit this from my mum but I just love to negotiate even for a few Ringgit. Once, my sister almost cried sympathising a trader who was trying to sell keropok (prawn cracker) for RM3. I insisted for RM2.50.

25. When I pee, I will flush the toilet bowl and pee simultaneously to race with the flushed water. I always lost. Before I was caught, Nawal always scold Aaraf, thinking he did not flush the toilet properly after peeing. I kept it a secret and stopped the habit.

PEDA ADVOCATE AGAINST TERMINATION OF DEALERS

PROTON EDAR DEALERS ASSOCIATION MALAYSIA
Press Release

“PEDA ADVOCATE AGAINST TERMINATION OF DEALERS”

FEBRUARY 2009, KUALA LUMPUR. “We acknowledged that Proton sales network is over-congested but termination of dealers for lack of sales performance should not be an option.” said Armin Baniaz Pahamin, Acting President Proton Edar Dealers Association Malaysia (PEDA).

1. The over-congestion of dealers in the network was a result of previous Proton management political move in anticipation of terminating EON. In an unprecedented move, Proton appointed more than 100 dealers between the year 2003-2005.

2. Potential dealers went through various stringent screening prior to being appointed. Dealers were also requested for a minimum paid-up capital requirement of at least RM1million as a pre-appointment condition.

3. Dealers are businessmen who invested their life-time savings, pension fund and took borrowings to operate their business. More than half of the minimum paid up capital are invested to comply to Proton Corporate Image renovation for the showroom. Dealers requires RM3million to operate the dealership effectively and the balance working capital are satisfied by bank borrowings.

4. A 3S dealer employs more than 30 staff including the sales & service personnel.

5. When Proton failed to terminate EON, there were more than 400 dealers in the network. The growth of passenger car sales in Malaysia had always been stagnant but Proton dealers had doubled resulting in a drop of total Car sales per dealer but with an increasing cost of operation over the years.

6. At the same time, Proton dealers had to previously compete with the under-declared imported cars which further dampened Proton sales.

7. Proton more than a year inconclusive negotiation for Foreign Partnership had also slowed down proton sales when the public awaited new product line-up which saw dealers accumulating more losses.

8. Currently, with more than 300 dealers in the network, the average sales per dealers are less than 30 cars per month whilst Proton owned branches selling an average of 100 cars.

9. Dealers in klang valley can only break-even with a minimum car sale of 45 cars per month. With more losses accumulated by most dealers, the affected dealer will cease to be a dealer naturally when they no longer able to sustain their business.

10. Even PEDA president, Haji Wan Sepwan, surrendered his dealership in January 2009. Haji Wan Sepwan surrendered his dealership after many years of struggle battling unfair trade practices internally within proton and externally with adverse trade condition.

11. Dealer’s current overall lack of sales performance was the chain effect of Proton previous management incompetency in appointing too many dealers.

12. Proton Chairman, Dato Nadzmi’s move to rationalize the network is fair with Proton reducing their branches too. However, dealers should be allowed to retire instead of being terminated especially when their lack of sales performance is beyond their control.

BIRTH DEFECT AS AN EXCUSE

Birth defect as an excuse…

January 2009, the first month of the New Year 2009 passed by whilst I was still concluding the past many years resolutions. This year 2009 will be similar to past years and soon, we will be singing out of tune the 1788 traditional folk song Auld Lang Syne which idiomatically means “long long ago” or “days gone by”.

Days, weeks, months and years gone by almost instantly, and next month, I will celebrate yet another birthday. Once upon a time, I was so impatient waiting for the eve of my birthday when my parent and siblings would sneaked into my room with a cake and loads of present at the stroke of midnight! The birthday month was all about party! now, i will hide as early as a month before my birthday, refuse to celebrate the getting older age.

On my 10^th working year anniversary, I made a personal declaration that I will not work on my birthday if it falls on weekdays with a sole objective of reminiscing the younger years. It will be my 4^th year soon on 1^st March since my declaration but this year, my birthday will fall on Sunday and i do not need to take any leave from work. However, the objective was never achieved. The non-working birth day and month was celebrated with endless luncheon, dining and outing. There wasn’t any moment spent mesmerizing the past.

It was not the past that I wanted to re-live but it’s the people in the past. If I have a birth defect, it must be my memory-lapse for faces and names, which i happily claimed a 'birth defect'. I forget people too easily that many may think I am less friendly and at times over-flirty. The ‘birth defect’ was unintentional. I always greete people by mistaken them for someone else. There were once, I could have sworn she was my class mate in college, happily greeted and pecked her on the cheek as a gesture of ‘hi, haven’t seen you for ages…’ and it turned out, she was never from the college although we ended up dating thereafter. It was a lucky coincidence. There were many other occasions when I approached, spoke, laughed and sat with some people that I mistaken them for people I knew and was later asked (by them), ‘have we met?’….! I wanted to scream and hide under the dining table!!

This ‘birth-defect’ may also be quite offensive to some. Once, I had to represent Azhar Sulaiman (my brother in law) to accept the best supporting actor award at some function. I was seated with a bunch of well-known artist and actresses, I think it was Raja Ema or Raja Azura (notice the memory lapse). I wanted to be polite and introduced myself “Hi.. I am Armin….” And she looked at me in a daze and abruptly say.. “Armin.. its me..!! (we have met before)” …and I had to say.. oh sorry, I didn’t recognise you in the dark but really I could not remember who she was.. until I saw her name pasted on the seat as “raja ema/azura (something like that). After accepting the award and gave an embarrassing speech in malay (I mistakenly said Cenderahati instead of cenderamata and was teased all night by the MC), I walked down to the backstage and was greeted by a teenage girl-band group (Elite?) and again.. I stupidly asked (again) for their name (they must be thinking they are losing their popularity).. but I wanted to just bury myself under the stage when they stared at me in disbelief.

There were many other embarrassing moments that arose from the ‘birth defect’ from calling friends with the wrong name to conveying regards to their wife when they are not even married. Eventually, I decided to be the reserve person that I am today and stopped saying hi and converse with people unnecessarily unless spoken to which I will then pretend to lose their business card so I could keep re-collect who they are.

This year, I shall not accept the ‘birth defect’ and will attempt to keep in view all past and present friends. As a start, I dug all past and present photos, scanned and uploaded them on Picasaweb where I can tag their name and background so that I can remember all.

Having found many old photos, I pasted some into my Facebook and was surprised to found many friends (on FB) whom I have lost contact from as long as 28 years!! Soon, I will meet all of them to catch up on the good old younger days. Friends whom recognised and saw me by any roadside, please stopped and say hi.. if I looked puzzled, it is due to the ‘birth defect’ and I promised I will immediately run home and search on my Picasaweb for memory recollection.

.

BANK NEGARA INTEREST REVIEW ONLY BENEFITS THE BANK

PROTON EDAR DEALERS ASSOCIATION MALAYSIA

Press Release

“INTEREST RATE REDUCTION WILL ONLY BENEFIT BANKS”.

JANUARY 2009, KUALA LUMPUR. The downward revision in the Bank’s lending and base financing rates will have negligible effect on Proton car sales” said Armin Baniaz Pahamin, Acting President, Proton Edar Dealers Association Malaysia.

1. Currently, the interest rate for Proton car remained at 3.88% for hire-purchase loan duration of 7 years or less and 3.99% for hire-purchase loan duration of 8 and 9 years.

2. The interest rate has remained constant and there is no downward adjustment for Proton car interest rates even after the last revision by Bank Negara in November 2008.

3. In the latest revision by Bank Negara, it is doubtful that any interest rate adjustment to be made to new proton cars and on the bank facilities subscribed by Proton dealers.

4. Similarly, there is no interest rate adjustment even on Bank facilities subscribed by Proton Edar dealers (with most banks) during last November Bank Negara revision.

5. The interest rate for banking facilities offered to proton dealers by most banks is on a fix interest rate on daily and period-rest. Only a few facilities (by one or two banks) interest rate are fixed based on Base Lending Rate (BLR).

6. The interest rate reduction is an additional profit to Banks perhaps as a support for the anticipated losses during this recession year with negligible benefits to the dealers or the customers.

7. The public or car buyers do not benefit from the November interest revision nor does majority of Proton dealers.

8. The Public or potential proton buyer are still facing difficulty with securing hire-purchase loan to buy new proton cars given the high risk profile programmed for proton customers.

9. To improve the customers risk profile that is based on overall proton historical sales, the NPL for Proton brand name should be in a different category for new Proton car sales by Proton AUTHORISED DEALERS and different classification for ‘new-and-used-proton’ car sales by USED CAR DEALERS. Then the NPL will be more accurate and customer’s loan approval can be improved.

10. Government should only allow Proton authorized dealers to submit for new proton hire-purchase loan submission to Banks to mitigate unnecessary fraud, CBT and NPL (by unauthorized dealers). Currently any dealer can submit to the bank direct.

11. Unauthorized car dealer Hire purchase loan submission for new Proton cars contributes to a higher NPL. Authorized proton dealers had to comply with strict requirement by Proton and will not jeopardize their dealership for any fraud or syndicated buyers.

12. Factors that will spur the automotive industry include a more flexible and cheaper banking facilities, flexible loan duration, easier loan approval and a regulated pricing for second hand cars.

13. The public are heavily burden when the value of their existing car is less than the balance loan amount of the said car. This will further hamper the growth of the automotive sales.

14. 9 out of 10 customers would want to trade-in their existing car to buy a new car, but many are not able to trade-in their car, because the car value is lower than the balance loan amount. The value of second-hand or registered used cars car depends entirely on the banks prerogative on the financing amount.

BLOOD TYPE DIET

Blood Type Diet

Have you ever wondered why some dietary program works best for some people but when you strictly follow the same program, the result attained was minimal or negligible. Of course discipline is instrumental but my best discovery was the blood type diet book by Dr Peter JD Adamo.

Apparently a chemical reaction occurs when the food that you eat are digested and flow into your blood stream. This reaction is a genetic inheritance. Some food that we ate is not compatible with the blood type antigen and may cross-react with digestive enzymes and interfere with insulin production. This will in turn affect the immune system, reset the metabolic clock and in severe cases lead to cancer or serious illnesses.

A dietary programme may work best for some people with a particular blood type and if your blood type differs the diet programme gains may not be as beneficial. i wanted to maintain my weight but with a lower body fat level. I can only imagine and dream of getting so lean with a washboard abdomen until I discover the book by Dr Peter JD Adamo. I have tried a few dietary programme. i took up various high intensity gym and run training regime and had also went into extreme starvation to reduce body fat level but all without success. My body weight akin of the stock market fluctuates from 74kg to 66kg within weeks but my body fat level changes negligibly. The 6-pack was far from being visible.

I was consuming heavy lean protein from chicken and beef in my effort to gain good physique and lose body fat level. Little did i know that protein derived from chicken and beef has an adverse chemical reaction to blood type AB. There is a long list of the ‘avoid’ food but the chicken and beef was the most pronounced especially when sirloin steaks, Nandos chicken and KFC were my staple food. I followed the blood type diet strictly since November last year and had been very discipline with the run training and gym. Since the blood type diet, I was able to sleep better at night and felt more energetic. The insomnia, lethargy disappeared and my weight stabilises at 72kg with a lower body fat percentage. In less than two months, I celebrated the new year with a brand new 6 pack abs. A dream came true……….

I have always failed badly on every regular full blood check; from an unreadable cholestrol count, high sugar lever being diabetic and high uric acid with constant gout attack. Now, happiness is an understatement with a perfect blood test result.

hmmm i wonder if i can still collect the RM1000 each betting from Rhiza & Abu... the three of us enthusiastically placed a winner takes all bet for the first to get 6-pack abs (almost a year ago). Rhiza graduated from military college and Abu was a state runner (in his youth). Now that i won, i can happily reveal the secret of the blood type diet..... ;-)

The key to achieving great health and physique is to ‘Eat Right & Exercise’ well. Do not starve yourself and be unhealthy. There is no short cut to good health.

DATO NADZMI SALLEH- PROTON CHAIRMAN

DATO NADZMI MOHD SALLEH- PROTON CHAIRMAN

I am 12 years old… my age as a Proton dealer. It has been 12 years since I run my Proton dealership. I have been a member of the Proton Edar Dealers Association Malaysia (PEDA) since inception and was elected Deputy President for the past few terms. I was the 76th dealer that was appointed previously under USPD (or now known as Proton Edar) in 1997. The total dealer’s network idiotically grew to more than 400 dealers and now reduced to less than 300 and still decreasing.

I received an email from PEDA President as I was still recovering from the new year late night celebration notifying the committee members of his leave from the President’s office. PEDA President who operated his dealership for the past 14 years had surrendered his dealership and is taking leave as the president. Business cycle for Proton dealers has never been easy. Never since the 1998 recession… and now, we are faced with another recession. We swam through unfair competition of under-declared imported cars and public criticism against Proton but most detrimental effect was the internal policy introduced and implemented by past Proton management themselves unto the dealers: The appointment-spree of hundreds of dealers to chronies in a deteriorating market share and in the absence of sellable variance to excite the market. More than 100 additional dealers were appointed by Tengku Mahaleel management in anticipation of terminating EON. A political move that destroyed the dealers network and PEDA President became one of the 100s of casualties thusfar.

Under the PEDA constitution, the President post is left vacant when the dealership was surrendered and the deputy president will resume as the Acting President. I led my 15 committee members as the Acting President to officially meet the Proton new Chairman Yg Bhg Dato Nadzmi Salleh yesterday.

The meeting with Proton Chairman was at his request. We eagerly await the Chairman arrival at the Proton Board room while chatting Proton MD Dato Syed Zainal Abidin, Proton Edar CEO En Shukor Ibrahim and Proton Edar General Manager Sidik Abdul Hamid. Dato Nadzmi enters the Board room with his usual enthusiast. We saw immediately the passion of an entrepreneur at the driver’s seat.

In my opening speech to the Chairman, I conveyed my awkwardness in being the spokesman as PEDA Acting President which was inevitable when the President had ceased to be a dealer. I reiterate, the president as one of the hundreds of casualties of Proton incompetent policy as earlier mentioned. PEDA is duty bound by constitution to our members and advocate strongly for nurturing and rehabilitating the dealers as opposed to any downsizing.

Although I could not disclosed the details of the meeting, I mentioned as my closing statement, in my 12 years tenure as a Proton dealer as well as a member and now Acting President of PEDA, Dato Nadzmi is the first and ONLY Chairman that called upon PEDA, EDAM within less than a month of being appointed as Proton Chairman. This is also the first meeting in the history of PEDA that was chaired by Proton Chairman with the attendance of Proton Managing Director, Proton Edar Chief Executive Officer and General manager simultaneously.

PEDA has a good working relationship and has always been in constant regular discussion with Proton MD and Proton Edar CEO. Dato Nadzmi pro-active initiative and approach to understand issue pertaining to the network signals a fresh and energize start for the New Year and in anticipation of the recession.

This meeting attended by the prime movers of Proton, Dato Nadzmi (Proton Chairman), Dato Syed Zainal Abidin (Proton MD), Shukor Ibrahim (PESB CEO), Sidik Abdul Hamid (PESB GM) and PEDA full committee is also a signal of GREAT TEAMWORK to weather ahead of recession. This show of solidarity will strengthen Proton to re-gained its market share and become the industry leader.

There is only one mission from the great teamwork… the public. Without the recognition from the public, we will still fail. The teamwork mission now is to give Proton sense of belonging back to the public. The public is indeed our one and only employer.

2009 A CHALLENGING BUT A SPECIAL YEAR...

It is a New Year… 2009. The Year 2009 is indeed a special year for me. This year I will celebrate my 20th Anniversary since I was diagnosed to have Chronic Myeloid Leukaemia way back in 1989. Yes, I am well now under the medical term Permanent Remission or to be more precise a state where there is a non-existence of Philadelphia chromosome or in layman’s term, cure!

When I was first diagnosed, the average life expectancy for patient with leukaemia was 3-5 years without a Bone marrow transplant and perhaps longer years ahead with a Bone Marrow transplant. However, bone marrow transplant only has a 70:30 chances of success… 30% chances of failure or death.

Although I had various Graft Versus Host Diseases (a state of conflict between the existing cells in the body with the new marrow) after the bone marrow transplant and a relapse 5 years later which forced me to underwent a Post-Bone Marrow treatment, I have been well since. I am even an active marathon runner now.

Even though this year 2009 is a special year to me, I expect this year to be a very challenging year. This year, I look forward to publish my past experience, the painful moment living with cancer and my struggles in life with health, family and business. I felt so numb and emotionless when Doctor Nik Isahak first broke the news of the diagnosis in 1989. I was admitted and had missed school for a few months before the Lower Certificate of Education exam. The numbness disappeared the day I was discharged from Hospital. I went home and went through emotional cycles of sadness and disappointments with myself and the circle of people surrounding me. The emotional cycle evolved into anger with a drastic change in behaviour. I rebelled against everybody from family, teachers, friends and even girlfriends. I skipped school, pick up smoking, drinking, womanise and became notorious. Nothing else matters. I could not care less of what has become of me… after all, I will die in 3 years… who cares… and so I thought. The emotional cycle continues until a wake-up call… the day I woke up and make the best out of leukaemia. Since then, I expedited my studies and graduated from UK at the age of 20 and began my career at a Mechant bank before pursuing my dream as an entrepreneur.

2009 is also the recession cycle which is a tough year for business especially in automotive. However, in anticipation of the recession, I had established the Fasfik chain of workshop. In 1998 recession, almost all industries were badly affected except for 2 sectors that survived well in the downturn, namely, the food and restaurants and second was the car service centres. I survived the last recession through my small authorised Proton Edar service centre. Car sales suffered badly and my little workshop paid for my car and housing loan instalments. I trust this year will be tough if not as bad as the 1998 recession.

I will also attempt to beat my best 42km marathon timing of 5hours and 46 minutes as a motivation to keep healthy. I ran the Ambank International 42km Marathon last year. 5 hours 45mins is nothing great but given my past medical history, I never imagine completing even a 10km run. In attempted my first marathon in 2007. That was my first 42km TRAIL marathon in Salisbury, London which I completed in 9 hours. The same year, I ran the Singapore Standard Chartered marathon in 7 hours and 20 mins. Last year timing during the Ambank International marathon was so far my best timing.

Holidays and travelling is abstained as a resolution to be prudent given the recession year. HAPPY NEW YEAR everybody…….

AUTOMOTIVE INDUSTRY 2009 CHALLENGES

AUTOMOTIVE INDUSTRY CHALLENGES 2009

1. The automotive industry is expected to suffer with lower sales for the year 2009 due to the recession. Without sufficient support from the government to sustain the automotive sales and growth, automotive manufacturer, vendors and dealers will be badly affected.

2. The impact of the recession can be reduced if the automotive sales volume can be sustained. With encouraging sales, dealers, vendors and other stakeholder will not suffer much loss.

3. Automotive industry is unique as it is neither the seller’s market nor the buyer’s market but instead it is the BANK that controls the car sales via the vehicle financing. A car with the best technology, design or pricing is still not sellable unless the dealers were able to secure the bank financing for the customer hire-purchase loan.

4. Banking facilities and hire-purchase loan are the MAIN factor that will determine the sustainability of the automotive industry.

5. More than 90% of car dealers and vendors operate with banking facilities and more than 90% of car buyer, purchases vehicle via bank hire-purchase loan.

6. During the 1998 recession, all banking facilities and loans were frozen to the public as well as the dealers.

7. Any negative changes in the banking facilities (to dealers or vendors) and hire-purchase loan to the customer will gravely affect the automotive sector.

8. Pre-1998 recession, there were more financial institutions and banks that offers various financing packages to dealers and the car buyer. With more competition between financial institutions and banks, dealers and customers were immediately attended to with almost an immediate loan approval or a maximum approval period of 24 hours (approval SOP- AM/PM or morning HP-loan submission will get approval by evening.)

9. Post 1998 recession, the government had successfully initiated and completed the mergers of Banks and financial institutions. After the bank merger, options for bank financing and hire-purchase became limited within only a few big banks and without any financial institutions. Banks became choosy with the type of customers they deemed profitable. Hire-Purchase loan are no longer approved via direct interview with bank officers but through a computer programmed that is instilled with customers and vehicle risk profile. From the conventional am/pm pr 24 hours approval, hire purchase loan is now approved within a week.

10. The Risk profile for Proton car buyers differ from other model make. There have been various instances that the hire-purchase loan for proton car buyer were either reduced or rejected but the same customer were able to secure a higher hire-purchase loan to buy other non-proton model.

11. With a high inflation rate and essential items price increase, the risk profiles were adjusted and HP-loan approval became more stringent, understandably because of a lesser disposable income. Car dealers in Singapore and Thailand have informed that only 10% car loan submissions were approved due to the economic downturn. In other word, out of 10 applications for car loan, only 1 loan is approved.

12. The percentage of approval rate for HP-loan application in Malaysia is at 40%. This year 2009, it is possible for the approval percentage to be as bad as Singapore or Thailand. The percentage of approval is true base on direct feedback from dealers although official statistic from the Bank may state otherwise. The dealers know the true picture better.

13. Factors such as lower disposable income that is affected by high inflation, as well as possibility of retrenchment will also influence the HP-loan approval. Inflation and increase in the prices of essential item affected the public’s affordability to regularly service their existing HP-loan repayment and may result in an increase in Bank’s NPL. This in turn, will affect the risk profiling again and loan approval will be worse for future Proton buyers.

14. However, the global economic downturn is inevitable given Malaysia high international trade volume. However, the impact can be cushioned with government intervention.


HP LOAN APPROVAL AND BANK FACILITIES

15. To cushion the downfall in automotive sales, an easier approval will ensure sustainability instead of the conventional stringent & careful approach adopted by Banks during trying time. There are various factors that determines the customers and vehicle risk profile that was generated from historical data (especially customer’s historical credit pattern, past NPL and fraud cases). These risk profile can be adjusted to be more friendly and practical given the current economic downturn.

16. The terms and conditions of Bank facilities enjoyed by dealers, vendors or other stakeholders should be friendlier or flexible rather than any unfavourable variation to ensure the survivability of all stakeholders in the network. Customers and public will be better served with a healthy network.

THE PERCENTAGE MARGIN OF FINANCE & LOAN PERIOD

17. Currently, the maximum loan amount allowed for car financing is 90% of the On-the-Road car price for a maximum of 7 years (and perhaps 9 years for some model). A drastic change increasing the margin of finance from 90% to full 100% will enable the public to afford the purchase of a new car. When the loan repayment is spread over 12 years instead of the current 7 -9 years, the public can afford to service their HP-loan repayment given a lower disposable income due to recession. This will also avoid the possibility of high NPL.


OFFICIAL VALUATION OF REGISTERED USED CARS OR SECOND HAND CARS

18. There is no centre or independent body or organisation in Malaysia that is accredited to value the price of registered vehicles or second hand vehicles. The valuation of registered vehicles, are fixed by the Bank via the quantum the bank is willing to finance the registered cars. As an example, if the bank is willing to finance a Wira year 2000 for RM20,000, then the used car dealers will buy the car either at the same price or below the approved loan amount. This car is in turn sold for a few thousand profits only.

19. Without a proper valuation or regulated pricing of the second hand car prices, customers who bought a car under HP-loan financing will not be able to sell the car when the car value is lower than the balance loan amount.

20. Existing car buyers too will be blacklisted when they cannot afford to service the loan repayment during this downturn and thus increasing the NPL rate. Customer is then made a bankrupt when the car is repossessed and auction for an amount lower than the balance loan amount.


EPF WITHDRAWAL

21. The public should be allowed to withdraw their EPF to repay any outstanding HP-loan that will avoid NPL and financial blacklisting. The EPF withdrawal as a downpayment to purchase a new car will also spur and promote the automotive sales.


BANK HANDLING FEE

22. Dealer’s income was drastically affected with the ceiling imposed by the Central Bank (Bank Negara) on the Handling fees paid by the Bank.

23. In an independent study conducted by Ernst & Young benchmarking internationally 5 developed and neighbouring countries, Malaysia is the ONLY country that imposed a ceiling to the quantum paid. Singapore, Thailand, United Kingdom, Japan and Australia allow the market to dictate the quantum to be paid.

24. The Ernst & Young report also state that car Dealers in Malaysia have greater responsibilities, liability, exposure and work in coordinating Hire-purchase loan submission and approval as compared to the 5 developed and neighbouring countries.


INSURANCE

25. General insurance or specifically Motor Insurance accounted to approximately 20% of the dealer’s income. Our income is affected when the Bank embarked in the sales of motor insurance by-passing the car dealers (who are all an authorised agent) via indirectly-forcing the customer to renew the motor insurance (and road tax) with them by prohibiting the collection of the vehicle registration card kept by the bank.


BANK

26. Banks discriminate dealers by categorising and prioritising dealers who subscribed to their Bank facilities with unfavourable terms. The unfavourable terms includes restricting non-insurance related banking-facilities only to dealers who are agent to the Bank’s insurance. The Bank’s insurance are inferior in services and packages offered (compare to other provider) to dealers and any insurance commission for insurance renewal are forfeited by the bank.

27. Various other unnecessary charges were also imposed to dealers that further reduced the dealer’s already deteriorating income due to higher cost of operation.

28. Banks have also embarked in selling car to the Bank’s existing customer. The sales are channelled to a ‘special’ dealer’s network created by the Bank. The Bank customers enjoy special privileges such as special interest rates but with a lower income to dealers.

29. The Merger of Banks and Financial Institutions had led to the introduction of various unfavourable terms and activities in adverse to the dealers and the public. Unfavourable terms that burdens the dealers as well as the public should be supervised especially during expected worsen economic downturn.

CABARAN INDUSTRI OTOMOTIF 2009

CABARAN INDUSTRI OTOMOTIF 2009

PEDA mengalu-alukan perlantikan Pengerusi baru Proton Dato Mohd Nadzmi Mohd Salleh yang memang berasal dari industry otomotif. Dalam kegawatan ekonomi yang dijangka akan membawa impak yang lebih teruk pada tahun 2009, PEDA percaya pengalaman Dato Nadzmi di dalam bidang otomotif akan mempastikan langkah-langkah tertentu akan diambil untuk mengawal kemerosotan jualan.

PEDA juga mengucapkan ribuan terima kasih kepada bekas Pengerusi Proton Dato Mohd Azlan Hashim. Dato Azlan amat peka dan pro-aktif kepada keperluan pengedar-pengedar Proton Edar bagi mempastikan jualan sasaran dapat dicapai.

1. Industry otomotif dijangka merosot pada tahun 2009 akibat dari kegawatan ekonomi. manufacturer, vendor, pembekal pembekal dan juga pengedar pengedar kereta akan mengalami kerugian atau kemungkinan ‘gulung tikar’ jika tiada tindakan diambil untuk membantu industri otomotif.

2. Impak gawat Industry otomotif dapat dikurangkan jika kemerosotan jumlah jualan kereta dapat di kawal. Dengan jumlah jualan kereta yang menggalakkan, vendor, pembekal dan pengedar kereta akan dapat mengurangkan kerugian.

JUALAN KERETA

3. Jualan Kereta dipengaruhi hampir sepenuhnya oleh institusi institusi bank. Baik vendor atau pembekal, pengedar-pengedar kereta ataupun pelanggan pelanggan yang berminat untuk membeli kereta, semuanya bergantung kepada kemudahan-kemudahan, pinjaman-pinjaman yang disediakan oleh bank.

4. Industri otomotif adalah unik kerana pasaran otomotif tidak memihak kepada pengedar atau pembeli (it is neither the sellers market nor it is a buyers market) tetapi dikuasai sepenuhnya oleh BANK melalui pembiayaan pinjaman kenderaan. Memang benar kualiti, teknologi enjin dan juga reke-bentuk kereta adalah penting untuk mempastikan kelarisan jualan tetapi kereta kereta yang mempunyai kualiti, rekabentuk dan teknologi yang terbaik sekalipun, jika pengedar kereta tidak dapat mengurus dan menjamin pinjaman untuk pelanggan membeli kereta, kereta yang terbaik sekalipun, tidak akan dapat dijual. Sokongan dari Bank merupakan faktor utama yang akan mempastikan kejatuhan atau pembangunan industry otomotif.

5. Lebih 90% operasi pengedar pengedar kereta bergantung kepada kemudahan yang disediakan oleh bank. Lebih 90% juga pembeli-pembeli kereta membeli dengan pinjaman bank. Pada tahun 1998, semasa kegawatan ekonomi, segala kemudahan kemudahan dan pinjaman dari Bank di bekukan.

6. Apa-apa perubahan negatif kepada ciri-ciri kemudahan-kemudahan bank dan pinjaman pembelian kereta (kepada pengedar, vendor atau pembeli) akan memberi kesan buruk kepada industry otomotif.

7. Sebelum kegawatan ekonomi tahun 1998, terdapat lebih banyak institusi institusi kewangan dan juga bank-bank di Malaysia. Institusi kewangan dan bank-bank ini yang sangat aktif berjumpa dengan pengedar pengedar kereta dan juga berjumpa dan menemuramah pembeli-pembeli kereta sebelum pinjaman sewa-beli pembeli diluluskan. Kesan positif dapat dirasai apabila pinjaman sewa beli pembeli kereta diluluskan hampir serta-merta atau dalam jangkamasa maksima 24 jam (SOP kelulusan- AM/PM; atau masuk pagi/lulus petang)

8. Bank-Bank di Malaysia telah di satukan (Merger) selepas kegawatan ekonomi 1998. Selepas penyatuan Bank (Bank Merger), institusi kewangan (finance companies) dilupuskan dan hanya tinggal beberapa bank besar sahaja. Pilihan dan pakej pinjaman pembeli kereta menjadi terhad dan Bank memilih pula jenis-jenis pelanggan yang dianggap menguntungkan. Pinjaman sewa beli pelanggan pula diluluskan oleh komputer yang diprogramkan mengikut ‘Profail Risiko Pelanggan’ & ‘Profail Risiko Kenderaan’. System komputer yang sepatutnya dapat meluluskan pinjaman dengan kadar lebih cepat, memakan masa lebih lama dan kadang-kadang hampir seminggu.

9. Profail Risiko kereta Proton yang diprogramkan oleh Bank adalah lebih tinggi berbandingkan dengan kereta buatan lain. Telah terdapat banyak kes-kes pinjaman sewa-beli pembeli kereta proton yang ditolak oleh bank tetapi pinjaman sewa-beli diluluskan pula untuk membeli kereta buatan lain (bagi pembeli yang sama).

10. Dengan kadar inflasi yang tinggi, profail risiko pelanggan dan profail risiko kereta diubah dan menjadi lebih payah untuk pelanggan mendapat pinjaman pembelian kereta. Saya dipahamkan oleh pengedar kereta di Singapura, disebabkan oleh kegawatan ekonomi, hanya 10% pinjaman sewa –beli kereta diluluskan. Bermakna, setiap 10 permohonan pinjaman sewa beli kereta, hanya satu pinjaman diluluskan. Pengedar pengedar kereta di Thailand juga melaporkan kesan yang sama.

11. Peratusan kelulusan permohonan pinjaman sewa-beli kereta di Malaysia berada pada tahap 40%. Tahun 2009 mungkin peratusan ini akan jatuh sama seperti di Singapura dan Thailand. Peratusan kelulusan 40% ini adalah mengikut pengalaman dan laporan yang diberi terus oleh pengedar pengedar kereta, statistik ini mungkin berbeza dari laporan rasmi yang dikeluarkan oleh bank, tetapi sebagai pengedar, kami merasai hakikat sebenar.

12. Faktor faktor lain yang seperti ‘disposable income’ yang juga akan merosot dengan kadar inflasi yang tinggi dan juga ketidak-ada jaminan pekerjaan dengan risiko ‘retrenchment’ juga akan mempengaruhi kelulusan pinjaman kereta. Kadar inflasi dan kenaikan harga barang akan menjejaskan kemampuan pembayaran pinjaman sewa-beli yang sedia ada dan menaikkan jumlah rekod ‘Non Performing Loan’ (NPL). Kemampuan untuk membeli kereta baru juga akan terjejas.

13. Memang kita tidak dapat elak masalah kegawatan ekonomi sedunia dan industri otomotif juga akan merosot tetapi kita akan dapat kurangkan impak tersebut dengan adanya campur-tangan dari kerajaan.

KELULUSAN PINJAMAN

14. Untuk mengawal jumlah jualan kereta dari merosot, kelulusan pinjaman yang lebih mudah untuk pinjaman kereta di perlukan (instead of a more stringent & careful approach). Terdapat berbagai-bagai faktor yang menentukan profail risiko pelanggan dan profail risiko kenderaan bergantung kepada rekod rekod lepas pelanggan dan juga rekod ‘Non Performing Loan’ (NPL) buatan-kenderaan. Profail profail risiko ini boleh diubah bagi memudahkan kelulusan pinjaman pelanggan.

PERATUSAN DAN JANGKA-MASA PINJAMAN

15. Sekarang, pinjaman maksima untuk pembelian kereta seperti yang ditetapkan oleh Bank Negara ialah 90% untuk jangkamasa 7 tahun. Jumlah jualan kereta dapat dipertingkatkan jika lebih ramai pelanggan mampu untuk membeli kenderaan. Tindakan drastik seperti menaikkan kadar pinjaman dari 90% kepada 100% dengan jangkamasa pinjaman 12 tahun akan membolehkan pelanggan membeli kereta dan mampu membayar pinjaman sewa-beli.

PENILAIAN RASMI HARGA KERETA TERPAKAI

16. Di Malaysia tidak ada badan terkecuali, NGO atau badan kerajaan yang diiktirafkan untuk menilai harga kereta terpakai. Harga kereta terpakai di Malaysia ditetapkan oleh bank secara tidak-langsung melalui peratusan pinjaman yang dibenarkan. Contohnya, jika bank hanya meluluskan pinjaman RM20,000 untuk kereta Proton Wira tahun 2000, harga proton Wira akan menjadi RM23,000.

17. Dengan tidak-adanya penilaian rasmi untuk kereta terpakai, pelanggan yang membeli kereta dengan tempoh pinjaman yang panjang, tidak akan dapat menjual kereta tersebut dan kereta yang di ditarik kerana bayaran tertunggak akan dilelong dengan harga yang lebih murah menyebabkan peminjam pinjaman sewa-beli di iktirafkan bankrap. Ini akan merosotkan lagi industry kereta apabila pelanggan tidak dapat menukar kereta yang sedia ada dan di senarai hitamkan apabila peminjam tidak dapat membayar baki pinjaman kerana kereta yang ditarik dilelong dengan harga yang lebih murah dari baki pinjaman.

PENGELUARAN EPF UNTUK MENGELAK TUNGGAKKAN PINJAMAN DAN PEMBELIAN KERETA

18. Kerajaan juga boleh menangani kemerosotan jualan kereta dengan membolehkan pelanggan untuk mengeluarkan wang EPF untuk membayar downpayment kereta atau untuk membayar penuh pinjaman kereta yang sedia ada bagi mengelak kereta ditarik atau mengelak pinjaman dari NPL.

PENDAPATAN PENGEDAR

HANDLING FEE
19. Kerajaan juga tidak boleh ketepikan pendapatan pengedar kereta yang semakin tipis akibat dari pendapatan ‘Handling Fee’ yang yang dihadkan oleh Bank Negara kepada pengedar pengedar kereta. Mengikut laporan Ernst & Young (independant studies on automotive financing benchmarking), tidak ada negara-negara maju dan negara-negara jiran yang meletakkan had siling bagi pembayaran ‘Handling Fee’ yang dibayar oleh Bank-bank kepada pengedar-pengedar kereta. Perbandingan dibuat diantara 5 negara; Singapura, United Kingdom, Australia, Japan dan Thailand.

20. Hasil dari laporan Ernst & Young, tanggung-jawab pengedar-pengedar kereta di Malaysia juga adalah lebih berbandingkan dengan 5 negara tersebut dan jumlah ‘Handling Fee’ ditetapkan oleh pasaran tanpa had (di 5 Negara tersebut)

INSURAN
21. Institusi bank di Malaysia juga telah mula mencebur secara langsung dalam jualan insuran kenderaan yang merangkumi lebih 20% dari pendapatan pengedar pengedar kereta. Bank-bank ini secara tidak langsung memaksa peminjam-peminjam untuk membeli terus insuran dari bank (bypassing the dealers and agents) dengan tidak membenarkan kad pendaftaran kereta mereka dibawa keluar oleh pengedar kereta (yang juga ajen insuran) bagi pembaharuan insuran dan cukai jalan.

DISKRIMINASI BANK
22. Institusi bank juga mendiskriminasikan pengedar pengedar kereta dengan mengkategorikan pengedar-pengedar yang mengambil (subscribed to) kemudahan bank dan pengedar-pengedar yang tiada kemudahan bank. Diskriminasi ini amat jelas dengan perbezaan caj caj dan penalti penalti yang dikenakan. Berbagai-bagai caj juga dikenakan kepada pengedar pengedar kereta yang mengambil kemudahan bank.

23. Institusi Bank juga mewujudkan rangkaian pengedarnya yang tersendiri dengan menyalurkan pelanggan-pelanggan sedia-ada bank hanya kepada ‘rangkaian-khas’ ini. Pelanggan-pelanggan Bank yang berminat untuk membeli kereta diberi keistimewaan yang berbeza berbandingkan pembelian kereta melalui pengedar-pengedar kereta lain (yang tidak tergolong dalam rangkaian-khas ini)

KAWALAN AKTIVITI BANK

24. Keadaan Pengedar kereta akan menjadi lebih teruk jika aktiviti institusi institusi bank yang membebankan pengedar-pengedar kereta tidak dikawal terutamanya pada tahun kegawatan ekonomi.

25. Bagi mengurangkan impak gawat keatas industri otomotif, kerajaan harus memantau secara terperinci aktiviti-aktiviti bank yang menguasai pasaran jualan otomotif supaya tidak membebankan pengedar, pembeli kereta dan mempertingkatkan peratusan kelulusan permohonan pinjaman sewa-beli kereta.