“Lack of proper system” - main reason on why students decided to defer the loan-repayment, according to Hafizah Kamaruddin of Bernama.

Difficulty in contacting PTPTN staff for information on loan repayment and lack of payment methods are among the concerns.

While some are seriously putting real effort into seeking ways on how to service back their loans, some gave lame excuses.

“Being unemployed”, “too burdensome”, “unprepared yet” are among the groused heard.

Well, let us take a ride back.

First thing first, before students signed the contract, every rules and regulations, terms and conditions had been made known to them, including on how much they need to do installment after a certain period starting from their graduation date. They should have known and realised that they must be held accountable once the signatures are on the black and white agreement.

And also during that time, no one is complaining though. Everyone seems like commending PTPTN for understanding their plights.

Now, they are turning their back on PTPTN, complaining donkey and monkey though!

Definitely, there is neither any arguement nor any issue can be arisen pertaining to that.

Simple, some common sense, ask yourself: Can you raise those complaints to the banks where you signed the loan agreement but not able to pay back the installment or loan within the stipulated time? Read more …

“Unemployed lah, how to pay?”

“Too burdensome lah, how to pay?”

“Unprepared yet lah, how to pay?”

Say it to the bank and see how do they deal with you? Will they plead you to pay? Will they think of a way for you on how to pay? Will they induce you to pay, just like what you do to your love one?

Yes, it’s very much agreed that students’ mentalities and attitudes are part to blame for that RM9 billion deficit, undenieable though.

But really, aren’t PTPTN themselves are the root of evils?

As a creditor, they should have gone after those debtors fast and furious to recover the loans, just like how the normal banking practise works.

Anyone who breach the contract, legal punishment must be meted out immediately.

However, before those actions come into picture, a thorough study into new and more convenience re-payment methods must be conducted. Serious attention should be given on how to come out with a resilient re-payment period too, if this can help solve some of the real concerns among the students.

After all, who to blame when the lender don’t really show that kind of enthusiasm towards Ringgit Malaysia (RM) sign?

Permalink | Leave a comment | Trackback
Subscribe to Email Feed | Subscribe to RSS Feed