Tuesday, July 22, 2025

Perbandingan pulangan Akaun bank, TH, ASB & MicroLeap

Perbandingan pulangan bulanan sekiranya Ahmad, yang berpendapatan harian RM1000/hari menyimpan RM31,000 (anggaran pendapatan kasar untuk sebulan) dalam empat pilihan pelaburan yang berbeza:


Asas Perbandingan

Jenis Pelaburan Kadar Pulangan Tahunan Formula Pulangan Bulanan
Akaun Bank Anda 0.786% setahun (0.0655% sebulan) RM31,000 × 0.000655
Tabung Haji 3.1% setahun (kadar 2023) RM31,000 × (3.1% ÷ 12)
ASB 5.25% setahun (kadar purata 2023 termasuk bonus) RM31,000 × (5.25% ÷ 12)
Microleap 8% setahun (anggaran dari pembiayaan P2P) RM31,000 × (8% ÷ 12)

 

Perbandingan Pulangan Bulanan (Anggaran)

Pilihan Pelaburan Kadar Tahunan Pulangan Bulanan Anggaran
Akaun Bank Anda 0.786% RM20.31
Tabung Haji 3.10% RM80.08
ASB 5.25% RM135.63
Microleap 8.00% RM206.67

Perbandingan Risiko & Ganjaran

Pilihan Risiko Akses Wang Patuh Syariah Nota
Akaun Bank Anda Sangat Selamat ✅Tinggi ✅  Pulangan sangat rendah
Tabung Haji Sangat Selamat ✅ Tinggi Sesuai utk simpanan Haji
ASB Sederhana Selamat ✅ Tinggi Tidak sepenuhnya patuh Syariah Pulangan tinggi
Microleap Berisiko ⚠️ Terhad ✅ (versi Syariah) Bergantung prestasi bayaran semula oleh SME

Komen penulis: 

(1) Ya, ada risikonya. 2 minggu yang lalu, ada sebuah nota pelaburan MicroLeap dibayar lewat beberapa hari sehingga keluar status "Late". Suspens juga... tapi akhirnya clear. Maaf, nama syarikat peminjam dirahsiakan. Mungkin syarikat itu ada sedikit masalah cash-flow yang akhirnya dapat diselesaikan.

(2) Ada notis daripada admin MicroLeap, mulai 01 September 2025 ini mungkin perkhidmatan ini akan dikenakan cukai yang belum ditentukan peratusannya. My take: investors meletakkan wang pelaburan di tempat berisiko, cukai yang dikenakan walaupun sedikit mungkin akan menyebabkan pelabur beralih kepada pelaburan lain.

Friday, July 18, 2025

Review – HE500 Spinning Reel

Sikecil molek (ultralight) dan kenangan silam

First impression – licin beb!. Kili HE500 ni kecik, comel-comel je, lebih kurang besar tapak tangan. Tapi jangan pandang sebelah mata 😆 itu aku je yang berhak buat! – ringan tapi rasa solid. Bila pusing handle dia, memang terasa smooth habis, macam butter. Drag system dia sedap, tak ada rasa tersangkut.




Kerapu Singa






Kalau hanyut, sampai Pulau Tekong, Singapore

My fishing spot & tidur







Hajimemashite!

Sebarang nun, Masjid Tg Buai


Monster tamer

I bought this ultra light reel to replace my old Okuma 2000 series. That reel was more than just gear – it was memory. Aku berjaya naikkan ikan dengan Okuma tu even in its defective state, and every trip, every cast… was with my late wife, Neny. She's gone now, but the memories are still vivid – her laughter on the boat, her quick hands setting the hook, her smile when I landed a big one.

I always remember her smiling, loving that pareo dress I bought for her in Bali & another piece, when we went shopping in Bandung. Tersipu malu tapi happy, twirling with the sea breeze, her trusty Nikon camera, slung around her shoulder. That last  trip in Pulau Bidong and Perhentian was something else. And it’s moments like that—simple, magical, warm, full of love—that come flooding back on stormy nights by the water.

While I was the family photographer, no one else took my photos artistically the way I liked – except Neny. Dialah satu-satunya faham angle kegemaran aku, mood yang aku nak. Maybe now, Husna – my second daughter – is the one person Yang mewarisi bakat mamanya. Ada sentuhan Neny dalam shot-shot dia. Gambar-gambar Nenylah bukti, selama kami gi mengail – tak pernah kumpau!

On the recent trip, I barely slept. Deme semua lena berdengkur dalam ruang terlindung atas rumah rakit. Aku sorang je kat luar, atas kerusi convert camping murah yang boleh bersandar – bawa khas dari rumah. Langit dgn malam penuh bintang & bulan purnama.. tapi dalam hati, ribut. I sat there quietly fighting away tears, remembering Neny’s soft voice, always reminding me to do and be my best for the family. Yang tahu aje, tahu.

Thanks, Fizi, ajak Along join trip kali ni. I really needed this. Sejak awal tahun asyik home-office, buku, research… ulang-ulang. Semua makin berat lepas my trusted mentor, quit his job. Mendoakan yang terbaik, untuk this guy, dimana sahaja anda berada...

And then earlier that afternoon – there was drama. One of my lines kena hentam dengan bullet submarine. Double hook-up lak... Satu besar… satu lagi, BESAR BAGAK. Aku dapat rasa hentakan dia....perghhh! Panic mode terus on. Dalam kelam kabut tu, yang paling besar terlucut – berderau beb!. Kalau lekat betul pun, aku rasa rod baru aku tu takkan dapat bertahan. Based on experience, rod murah yang sensitif tu lagi banyak bagi hasil. Huhu. Tapi thrill dia? Tak dapat dibayar dengan duit.

Trip ni jugak bagi ruang kat Abin – my son – try out memancing sendiri, rasa sendiri apa syoknya memancing ni. Finally dapat juga dia reel in tangkapan dia sendiri – yeah, seekor kerapu bersaiz sedang. Seronok bukan main budak tu. Iyelah, dah lama aku janji nak bawa dia. Tapi tiap kali ada trip, ada je halangan dan conaan – cuaca buruk, tertinggal peralatan, kadang penat sangat. Mau masuk tiga tahun janji tertangguh walaupun dah sampai ke spot. Kali ni, dapat juga. Siap dia pow Pak Lang dia makan lobster pulak… adus!

So when I bought this HE500, it wasn’t just about replacing a tool – it felt like closing one chapter, and nervously opening another. Mixed feelings? Yes, of course. That Okuma reel, bought as a self wedding gift, saw years of travel, fishing spots from freshwater lakes to open sea. And Neny was always there, sharing the thrill, snapping photos, soaking in the sunsets. I'll keep Okuma sebagai ingatan kasih sayang berkekalan abadi. Only if parts are still available, it will not be retired...

But this little reel – it's my way of keeping that fire burning. Pancing ikan, jalan-jalan, enjoy the adventure, ambik gambar, sama-sama dalam susah Dan senang – benda yang kami dua suka sangat. With the HE500, I’m not just fishing. I’m continuing a journey, ikut pesan Neny, tetap pergi kerja, untuk anak-anak... as if Neny never left me at all. Even in the eye of the storm, I am at home.

Pros:

* Size kecik, senang bawak

* Handle grip sedap, getah jenis padu

* Reel body nampak premium walaupun harga bajet

* Pusingan smooth, almost silent

Bonus: RM20+ je!

Cons:

* Mungkin drag power limited sikit for big pelagics...size 500 tapi stopping power 20kg....mau patah rod udang!

* Belum test durability long term

Final word:

Kalau kau tengah cari reel kecil untuk ultralight setup, atau backup reel yang ringan, HE500 ni memang boleh masuk list. For me, it's more than that – it's a new chapter, a new companion for my solo trips, with echoes of old memories riding every cast.

Tight lines always, Neny. Like all the AlMulk recitations sebelum tidur yang kita hafaz bersama, this one’s for you!

p.s. :  Alhamdulillah, I really slayed it this time round. Got my commendation email from my bosses for job well done. 

Tuesday, July 15, 2025

DPO Checklist: Managing Data Protection with PETs


The checklist and role of A Data Protection Officer are as follows:

Governance & Leadership

  • Appointed as DPO under Act A1727, Section 12A

  • Data Protection Policy includes PET strategy and compliance principles

  • Data Protection Committee formed with cross-departmental reps

  • Regular reporting to EXCO/Board on data protection matters


Data Inventory & Risk Assessment

  • Complete and updated data inventory (what, where, who, why)

  • Data flows documented (internal and external transfers)

  • Privacy Impact Assessments (PIAs) conducted for all high-risk projects

  • Risk register maintained and reviewed quarterly


PETs Deployment & Oversight

  • File-level encryption deployed (e.g., VeraCrypt, BitLocker)

  • Access control systems in place (e.g., OpenLDAP, RBAC)

  • Data anonymization or pseudonymization tools implemented (e.g., ARX)

  • Masking used in non-production environments

  • Secure file sharing enforced (e.g., CryptPad, Nextcloud with E2E encryption)

  • Audit logging enabled and reviewed (e.g., Graylog, ELK Stack)


Training & Awareness

  • Annual privacy training completed by all staff

  • PET technical training delivered to IT administrators

  • Phishing simulations and BYOD security briefings conducted

  • Disciplinary and retraining policy for negligent incidents enforced


Incident & Breach Management

  • Data breach SOP in place, aligned with Section 12B

  • Notification procedures for Commissioner and affected subjects defined

  • Breach log maintained with impact assessments and follow-up actions

  • Incident response team identified and trained


Monitoring & Continuous Improvement

  • Monthly audit of PET usage and effectiveness

  • Regular review of vendor compliance with data protection obligations

  • Policies updated annually or post-incident

  • New PETs evaluated as technology or threat landscape evolves

Thursday, July 03, 2025

Inspirational Story : Amir & MicroLeap

In a cramped village house, Amir counted his coins again: RM20. A laborer earning barely enough to eat, he saved this sum for weeks.

Every day, he passed Mak Timah, an old widow selling her self-grown kampung vegetables under a tree, her gnarly hands trembling.

He longed to help her, and others..but how? His pockets were as empty as his hope.

One evening, a flyer fluttered into his hands: MicroLeap, an Islamic investment scheme.

"No interest, ethical returns. Start small," it read.
|
His eyes lingered on "LR-3"—low risk. 

For days, he hesitated. RM20 was more than half of his daily wage and he had small kids to support,
but the promise of 12% annual profit whispered to him:

"Even a pebble creates ripples. 
To help Mak Timah, Lillahitaala..," he muttered.

On October 3rd, 2024, Amir pledged his savings.

For three months, he prayed, and waited. When the note matured, he stared at his phone: RM20.50.
A mere RM0.50 profit after fees.

Others might scoff, but Amir’s heart soared. He could just give all the money to her, but he needed it for his children.

That afternoon, he placed a warm packet of nasi lemak on Mak Timah’s stall.

“For you,”
he said. 

Her tears fell. “Semoga Allah merahmati mu, nak,” she prayed.

Amir smiled. He hadn’t cured poverty, but he’d proven something: Even the smallest seed, planted with faith, can grow.

MicroLeap hadn’t made him rich but it let him give without taking. And that, he realized, was its own kind of wealth.

RM20 → RM20.50 in 3 months (3% profit)
Fee: RM0.10 (a penny for dignity)
Result: One widow’s meal, one man’s renewed purpose.