{"id":6600,"date":"2023-01-05T08:57:40","date_gmt":"2023-01-05T08:57:40","guid":{"rendered":"https:\/\/people.utm.my\/nizamray\/?p=6600"},"modified":"2023-01-05T08:57:46","modified_gmt":"2023-01-05T08:57:46","slug":"kemelesetan-ekonomi-dunia-2023","status":"publish","type":"post","link":"https:\/\/people.utm.my\/nizamray\/2023\/01\/05\/kemelesetan-ekonomi-dunia-2023\/","title":{"rendered":"<strong>Kemelesetan Ekonomi Dunia 2023?<\/strong>"},"content":{"rendered":"\n<p>Beberapa hari yang lalu telah diberitakan bahawa Bank Dunia telah memberi amaran kemelesetan ekonomi dunia akan berlaku pada skala kritikal menjelang tahun 2023.<br \/><br \/>Keadaan ini semakin ketara bila kebanyakan bank telah menaikkan interest pinjaman sekali gus telah menyebabkan jumlah ansuran bulanan peminjam semakin bertambah dan pastinya membebankan peminjam.<br \/><br \/>Ini ditambah dengan nilai mata wang Ringgit semakin melemah berbanding USD, sekaligus membawa kepada kenaikan kos sara hidup kepada setiap isi keluarga.<br \/><br \/>Justeru itu apa tindakan yang boleh kita lakukan? <br \/><br \/><img decoding=\"async\" class=\"emoji emoji-small\" src=\"https:\/\/web.telegram.org\/z\/img-apple-64\/1f449.png\" alt=\"?\" data-path=\".\/img-apple-64\/1f449.png\" \/>\u00a0Berhenti buat hutang baharu.<br \/><br \/><img decoding=\"async\" class=\"emoji emoji-small\" src=\"https:\/\/web.telegram.org\/z\/img-apple-64\/1f449.png\" alt=\"?\" data-path=\".\/img-apple-64\/1f449.png\" \/>\u00a0Segerakan pelupusan hutang kad kredit, pinjaman peribadi, Ar Rahnu dan pelbagai hutang lain.<br \/><br \/><img decoding=\"async\" class=\"emoji emoji-small\" src=\"https:\/\/web.telegram.org\/z\/img-apple-64\/1f449.png\" alt=\"?\" data-path=\".\/img-apple-64\/1f449.png\" \/>\u00a0Segerakan pembayaran penuh hutang kereta\/rumah.<br \/><br \/><img decoding=\"async\" class=\"emoji emoji-small\" src=\"https:\/\/web.telegram.org\/z\/img-apple-64\/1f449.png\" alt=\"?\" data-path=\".\/img-apple-64\/1f449.png\" \/>\u00a0Semak semula aliran tunai kewangan keluarga, pastikan aliran tunai pada kadar positif dan dapat menyerap segala kenaikan kos samada dalam bayaran pinjaman kereta\/rumah ataupun kos-kos lain.<br \/><br \/><img decoding=\"async\" class=\"emoji emoji-small\" src=\"https:\/\/web.telegram.org\/z\/img-apple-64\/1f449.png\" alt=\"?\" data-path=\".\/img-apple-64\/1f449.png\" \/>\u00a0Pastikan simpanan kecemasan berada pada tahap 6 -12 bulan gaji bulanan.<br \/><br \/><img decoding=\"async\" class=\"emoji emoji-small\" src=\"https:\/\/web.telegram.org\/z\/img-apple-64\/1f449.png\" alt=\"?\" data-path=\".\/img-apple-64\/1f449.png\" \/>\u00a0Pastikan simpanan EMAS semakin bertambah dari masa ke masa. Ini kerana emas dapat dijadikan sumber pendapatan ketika keadaan memerlukan kelak.<br \/><br \/><img decoding=\"async\" class=\"emoji emoji-small\" src=\"https:\/\/web.telegram.org\/z\/img-apple-64\/1f449.png\" alt=\"?\" data-path=\".\/img-apple-64\/1f449.png\" \/>\u00a0Terokai sumber pendapatan tambahan dengan pelbagai cara samada online mahupun offline.<br \/><br \/><img decoding=\"async\" class=\"emoji emoji-small\" src=\"https:\/\/web.telegram.org\/z\/img-apple-64\/1f449.png\" alt=\"?\" data-path=\".\/img-apple-64\/1f449.png\" \/>\u00a0Banyakkan membaca buku ilmiah bagi meningkatkan ilmu pengetahuan dalam pelbagai bidang. <a class=\"text-entity-link\" dir=\"auto\" data-entity-type=\"MessageEntityMention\">@ilmukilangemas<\/a><br \/><br \/>Kesimpulannya, <br \/>Sementara keadaan kewangan keluarga kita masih sihat di kala ini sebaiknya kita pulihara agar dapat bertahan terhadap sebarang ujian mendatang kelak. InsyaAllah.<br \/><br \/>Nasihat buat diri.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-6602\" src=\"http:\/\/people.utm.my\/nizamray\/wp-content\/uploads\/sites\/1087\/2023\/01\/photo1664155104-300x269.jpeg\" alt=\"\" width=\"806\" height=\"723\" srcset=\"https:\/\/people.utm.my\/nizamray\/wp-content\/uploads\/sites\/1087\/2023\/01\/photo1664155104-300x269.jpeg 300w, https:\/\/people.utm.my\/nizamray\/wp-content\/uploads\/sites\/1087\/2023\/01\/photo1664155104-768x689.jpeg 768w, https:\/\/people.utm.my\/nizamray\/wp-content\/uploads\/sites\/1087\/2023\/01\/photo1664155104.jpeg 945w\" sizes=\"auto, (max-width: 806px) 100vw, 806px\" \/><\/p>\n<p>\u00a0<\/p>\n\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":663,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-6600","post","type-post","status-publish","format-standard","hentry","category-emas","entry"],"_links":{"self":[{"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/posts\/6600","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/users\/663"}],"replies":[{"embeddable":true,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/comments?post=6600"}],"version-history":[{"count":1,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/posts\/6600\/revisions"}],"predecessor-version":[{"id":6604,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/posts\/6600\/revisions\/6604"}],"wp:attachment":[{"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/media?parent=6600"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/categories?post=6600"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/tags?post=6600"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}