Kadar Dasar Semalaman/ Overnight Policy Rate (OPR) mempengaruhi kadar faedah jangka pendek, kadar deposit tetap, kadar tukaran asing, kadar faedah jangka panjang dan banyak lagi. Ini akhirnya akan memberi kesan kepada perniagaan, pekerjaan serta harga barangan dan perkhidmatan.
Kenaikan dan penurunan OPR dibuat melalui Jawatankuasa Dasar Monetari (MPC) Bank Negara Malaysia (BNM). Berikut adalah kesan dan tujuan kenaikan OPR.
Tujuan
Menambah nilai mata wang ringgit kerana lebih banyak mata wang asing dijangka masuk ke bank-bank tempatan kerana pelabur akan mendapat pulangan lebih tinggi sekali gus mengukuh ringgit.
Keperluan mengawal aliran keluar modal asing. Mendorong aliran masuk modal asing ke Malaysia ini boleh dilihat melalui pasaran bon negara mencatat kemasukan bersih asing RM4.5 bilion dan pelabur asing ekuiti tempatan menjadi pembeli bersih RM3.4 bilion pada Januari 2018 (OPR 3.25%).
Kenaikan OPR menyokong ringgit akan menghalang kelemahan berterusan nilai ringgit yang kini didagangkan melebihi RM4.38 berbanding dolar Amerika Syarikat (AS). Semakan nilai ringgit berbanding dolar Amerika Syarikat boleh diakses melalui pautan https://www.google.com/search?client=firefox-b-d&q=usd+to+myr
Salah satu cara untuk membetulkan inflasi adalah dengan menaikkan OPR. OPR yang rendah menyebabkan inflasi menjadi tinggi kerana semua orang mampu berbelanja. Walaupun harga barang naik tetapi disebabkan OPR rendah, rakyat masih boleh membeli. Inilah yang dinamakan inflasi. Kenaikan OPR dilihat berpotensi mengurangkan peningkatan ketara kadar inflasi atau harga barangan
Kesan
Apabila OPR naik, pembayaran pinjaman akan meningkat kerana bank mengalihkan kos pinjaman yang lebih tinggi kepada pengguna, menerusi kenaikan kadar faedah. Selain itu, jumlah pembayaran mungkin sama tetapi tempoh pembayaran dilanjutkan. Ini terpakai kepada pinjaman utama seperti perumahan, kereta dan peribadi.
Bayaran ansuran bulanan (bagi yang mengambil kadar terapung/ kadar faedah pinjaman boleh ubah) sedia ada kepada pihak bank akan naik, syarat layak membuat pinjaman baharu juga diperketat (bank tidak akan lebih mudah beri pinjaman pembiayaan modal untuk individu dan perniagaan), manakala bayaran semula untuk pembelian rumah, kereta atau pinjaman peribadi yang baharu akan naik.
Pemilik hartanah juga perlu menanggung kenaikan bayaran ansuran rumah berdasarkan kenaikan mata asas OPR.
Bagi mereka yang mempunyai tunai yang besar, digalakkan untuk individu/pelabur menabung (akibat daripada kenaikan OPR) yang memberikan pulangan yang tinggi.
Inflasi berpotensi berlaku menampakkan tanda-tanda lonjakan antaranya harga barangan kini meningkat. Supermarket, mini market, kedai runcit menaikkan harga jualan seperti Eco Shop pada 1 Jun 2022 menaikkan harga barangan kepada RM2.60 berbanding sebelum ini RM2.40. 99 Speed Mart, Ninso, Servay dan lain-lain juga turut menaikan harga barangan jualan.
OPR tidak memberi kesan secara langsung kepada kos barangan dan perkhidmatan harian. Namun kemungkinan ada kesan tidak langsung. Misalnya, ia boleh memberi kesan kepada barangan pengguna seperti televisyen, laptop atau telefon jika ia dibeli menggunakan pinjaman peribadi atau perjanjian sewa beli.
Kenaikan dan penurunan OPR secara langsung akan mempengaruhi kadar pinjaman asas (BLR) atau kadar asas (BR), memberi kesan kepada nilai ringgit, ekonomi negara, pelabur asing dan sebagainya. Pro dan kontranya pasti ada kepada individu, kumpulan, organisasi dan negara.
Untuk menyemak OPR Tahunan sila klik pautan https://www.bnm.gov.my/monetary-stability/opr-decisions
Sumber: Media Elektronik & BNM
1 Comments
We have opened and founded the SAMNAK SAMBODHI BUDDHIST TEMPLE (吉隆坡甲洞帝沙再也三宝) in Taman Ehsan in 1989 and we invited Datuk YIP KUM FOOK叶金福 to open the temple as well but moved to Taman Desa Jaya in 1990, in 1993 we bought the place where it is now.
ReplyDeleteOur chief monk who worked hard for our Temple also rented a house for the temple for payment by our chief monk at that time because we all need to go to the Buddhist temple to stay in Taman Desa Jaya, Kepong for some devotees to come to chant and pray because there is no and does not have a Buddhist temple
When we moved to a new place, DATUK YIP KUM FOOK叶金福 set up a new committee, and the old committee fired all of them, the temple has some problems because this Datuk Yip runs the temple like a political system because he doesn't know about Buddhist teachings, also because he is a businessman who sells a furniture store in Taman Desa Jaya and he is also an MCA Chairman in Taman Daya
Also the son of DATUK YIP KUM FOOK叶金福...YIP JIUN HANN叶君瀚, 律师 who is the chairman of MCA Gombak always told the devotees about the temple, he said this temple is my father's temple and belongs to my father, when any devotees hear that, they are not happy and don't like it, we know his son is mentally ill since he was a small child
In 1994 DATUK YIP KUM FOOK full position as the president of SAMNAK SAMBODHI BUDDHIST TEMPLE (吉隆坡甲洞帝沙再也三宝) then slowly many problems happened, then Ven. U Nandiya came and stayed in the Temple, soon because the next land had to have one Buddha statue, then Ven. U Nandiya plans to have a Marble Buddha Statue from Myanmar, after which Ven. U Nandiya arranged to collect donations from devotees
Therefore, donating sufficient funds to pay for the Buddha statue, then Ven. U Nandiya and our Master went to Myanmar to see the statue, then the statue arrived safely but the donation money is still having problems because the money is in Ven. U Nandiya's hand, DATUK YIP KUM FOOK叶金福 heard the remaining money donation with Ven. U Nandiya. In one day later, DATUK YIP KUM FOOK叶金福 came to Ven. U Nandiya to cheat about money...Document about donation money on internet "https://committeesamnaksambodhi1.blogspot.com/2019/01/" anyone can research it, this is very shameful for our Buddhist in way of life
Other topics Buddhist monk (Ven. Phra Piya Thammo) was pushed out of the temple, DATUK YIP KUM FOOK叶金福 used thugs and police to remove the Sangha from the Buddhist temple, this is very insulting to the Sangha in the world, all monks are Buddhist students or Buddhist followers if you destroy one sangha, Other Sangha will protect other Sangha and also very big sins in Buddhism, he叶金福 will vibrate or shake for your whole life, karma will come to you
Now we are very sad when we drive past the temple because it is very quiet, no one goes to the temple, only Myanmar monks are there to take care of the place, maybe soon the temple will be closed, but DATUK YIP KUM FOOK叶金福 is not a problem because he has money a lot already….DATUK YIP KUM FOOK叶金福, need to think about the money building temple is money donation by devotees
Ah Lee former committee’s members of SAMNAK SAMBODHI BUDDHIST TEMPLE(吉隆坡甲洞帝沙再也三宝), “next message, we will explain more about this”