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Dewan Negara Parlimen Ketiga Belas Penggal Ketiga Mesyuarat Ketiga

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Dewan Negara Parlimen Ketiga Belas Penggal Ketiga Mesyuarat Ketiga Naskhah belum semak DEWAN NEGARA PARLIMEN KETIGA BELAS PENGGAL KETIGA MESYUARAT KETIGA Bil. 30 Selasa 22 Disember 2015 K A N D U N G A N MENGANGKAT SUMPAH (Halaman 1) PEMASYHURAN TUAN YANG DI-PERTUA Mengalu-alukan Pelantikan Ahli Baru (Halaman 1) USUL: Waktu Mesyuarat dan Urusan Dibebaskan Daripada Peraturan Mesyuarat (Halaman 2) JAWAPAN-JAWAPAN LISAN BAGI PERTANYAAN-PERTANYAAN (Halaman 3) RANG UNDANG-UNDANG: Rang Undang-undang Majlis Keselamatan Negara 2015 (Halaman 25) DN 22.12.2015 1 MALAYSIA DEWAN NEGARA PARLIMEN KETIGA BELAS PENGGAL KETIGA MESYUARAT KETIGA Selasa, 22 Disember 2015 Mesyuarat dimulakan pada pukul 10.00 pagi DOA [Tuan Yang di-Pertua mempengerusikan Mesyuarat] MENGANGKAT SUMPAH Ahli Yang Berhormat yang tersebut di bawah ini telah mengangkat sumpah: - Datuk Jamilah @ Halimah binti Sulaiman PEMASYHURAN TUAN YANG DI-PERTUA MENGALU-ALUKAN PELANTIKAN AHLI BARU Tuan Yang di-Pertua: Bismillahir Rahmanir Rahim. Assalamualaikum warahmatullahi wabarakatuh, salam sejahtera dan selamat pagi. Ahli-ahli Yang Berhormat, saya ingin terlebih dahulu mengucapkan setinggi-tinggi tahniah atas pelantikan semula kepada Yang Berhormat Datuk Jamilah @ Halimah binti Sulaiman [Tepuk] Tahniah saya ucapkan kerana hendak mendapat sambungan penggal kedua bukan senang dan juga kepada Yang Berhormat, saya mengenali Yang Berhormat sudah lama dan juga apabila telah dilantik pada penggal kedua, saya mengingatkan diri saya dan juga berkongsi pendapat dari Yang Berhormat, saya menyarankan supaya Yang Berhormat hendaklah betul-betul sebagaimana lafaz sumpah yang dibuat tadi, menyatakan akan memberi segala sedaya upaya, taat setia pada Malaysia dan juga mempertahankan dan melindungi Perlembagaan. Yang Berhormat, penggal yang pertama saya sudah melihat prestasi Yang Berhormat tetapi saya hendak melihat, pertingkatkan, penambahbaikkan lagi kerana Yang Berhormat telah mengetahui dan tunjukkan tauladan yang baik, contohnya tidak payah baca-baca lagilah. Kalau dulu agak membaca, sekarang jangan baca lagi. Peraturan Mesyuarat menyatakan begitu. Tunjukkan perubahan Yang Berhormat dan juga masa kini sudah banyak berubah. DN 22.12.2015 2 Orang hari ini begitu bijak pandai dan Ahli Dewan Negara sepatutnya lebih pandai daripada orang lain, mempunyai kebijaksanaan yang lebih kerana apa, Yang Berhormat yang membuat undang-undang. Undang-undang bila kita buat di Dewan yang mulia ini ialah satu undang-undang untuk negara dan untuk masyarakat. Bukan soal parti, bukan sekelompok ataupun mana-mana perkauman ataupun agama, keturunan dan sebagainya. Satu rang undang-undang negara Malaysia yang diterima pakai oleh masyarakat majmuk kita di negara ini. Oleh itu Yang Berhormat mesti mencari pendirian, tidak emosional, tidak begitu semangat perkauman. Tunjukkan betul-betul sebagai warganegara Malaysia. Yang ini saya selalu tekankan kerana di Dewan ini kadangkala terbawa-bawa juga dengan kalau sekiranya seseorang itu daripada kumpulan parti sekian, ataupun mewakili kaum sekian, jangan tumpukan kepada kaum itu sahaja kerana Yang Berhormat ialah Ahli Dewan Negara Malaysia. Maknanya keadaan Malaysia. Undang-undang yang kita itu adalah yang baik, yang boleh diterima pakai. Kalau sekiranya ada sesuatu perkara yang difikirkan kontroversi ataupun tidak sepatutnya, Yang Berhormat boleh mengeluarkan kritikan, pandangan yang membina. Bukan bermakna Yang Berhormat tidak sokong, tapi sokong itu tapi dengan adanya pelbagai, maklum sajalah dalam sesuatu rang undang-undang itu macam- macam dia punya dan wajar ditegur. Di sinilah tempat menegur, bukan hendak menyokong membuta tuli saja. Saya bercakap dengan ikhlas kerana saya ingin melihat negara kita terus maju, aman dan damai. Setakat itu sahajalah amanat saya pada pagi ini dan seterusnya kita teruskan persidangan kita. ■1010 USUL WAKTU MESYUARAT DAN URUSAN DIBEBASKAN DARIPADA PERATURAN MESYUARAT Timbalan Menteri Perdagangan Dalam Negeri, Koperasi dan Kepenggunaan [Dato’ Seri Ahmad Bashah bin Md Hanipah]: Bismillahir Rahmanir Rahim. Tuan Yang di-Pertua, saya mohon mencadangkan: “Bahawa walau apa pun peruntukan-peruntukan Peraturan Mesyuarat 11, Majlis Dewan Negara hari ini tidak akan ditangguhkan sehingga telah selesai semua urusan kerajaan yang tertera dalam Aturan Urusan Mesyuarat pada hari ini diputuskan dan diluluskan dan selepas itu Majlis Mesyuarat akan ditangguhkan kepada satu tarikh yang tidak ditetapkan.” Terima kasih. Tuan Yang di-Pertua: Ada sesiapa menyokong? Timbalan Menteri Kewangan [Datuk Chua Tee Yong]: Saya mohon menyokong. DN 22.12.2015 3 Tuan Yang di-Pertua: Terima kasih Yang Berhormat. Ahli-ahli Yang Berhormat, masalahnya ialah bahawa walaupun apa peruntukan-peruntukan Peraturan Mesyuarat 11, Majlis Dewan Negara hari ini tidak akan ditangguhkan sehingga telah selesai semua urusan kerajaan yang tertera dalam Aturan Urusan Mesyuarat pada hari ini diputuskan dan diluluskan dan selepas itu Majlis Mesyuarat akan ditangguhkan pada suatu tarikh yang tidak ditetapkan, dikemukakan kepada Majlis untuk diputuskan. Masalahnya ialah usul seperti yang dikemukakan tadi hendaklah disetujukan. [Usul dikemuka bagi diputuskan; dan disetujukan.] [Timbalan Yang di-Pertua mempengerusikan Mesyuarat.] JAWAPAN-JAWAPAN LISAN BAGI PERTANYAAN-PERTANYAAN 1. Dato' Goonasakaren A/L Raman minta Menteri Kewangan menyatakan, adakah kementerian mempunyai cadangan untuk membenarkan pengeluaran simpanan KWSP bagi tujuan membayar balik hutang kad kredit yang dlihat berat agar dapat membantu rakyat terutama golongan B40 yang terperangkap akibat hutang kad kredit, seperti mana pengeluaran bagi menyelesaikan hutang perumahan. Timbalan Yang di-Pertua: Teruskan Yang Berhormat. Timbalan Menteri Kewangan [Datuk Chua Tee Yong]: Tuan Yang di-Pertua, tujuan Skim Kumpulan Wang Simpanan Pekerja (KWSP) diwujudkan adalah untuk menyediakan simpanan persaraan bagi membiayai sara hidup ahli apabila telah bersara kelak. Sehubungan itu, cadangan membenarkan pengeluaran simpanan KWSP bagi tujuan membayar balik hutang kad kredit adalah tidak selaras dengan objektif dan prinsip Skim KWSP sebagai salah sebuah organisasi keselamatan sosial yang menyediakan simpanan untuk persaraan ahli. Tambahan pula, pengeluaran seperti ini akan mengurangkan simpanan dan menjejaskan kecukupan simpanan ahli untuk membiayai persaraan mereka kelak. Untuk makluman Ahli Yang Berhormat, sebenarnya kerajaan telah menubuhkan Agensi Kaunseling dan Pengurusan Kredit (AKPK) di mana ia adalah khusus satu mekanisme untuk membantu individu yang menghadapi masalah pengurusan kewangan dengan nasihat untuk menyusun semula hutang dan membuat pelan pembayaran balik yang bersesuaian dengan keadaan mereka. Setakat September 2015, lebih daripada 141,000 orang peminjam telah mendaftar dan dibantu di bawah program pengurusan hutang yang dikendalikan oleh AKPK. Sekian, terima kasih. Dato’ Goonasakaren A/L Raman: Terima kasih Yang Berhormat Timbalan Menteri atas jawapan berikut. Kajian Institut Kewangan Asia (AIF) tahun 2015 mendapati generasi muda rakyat Malaysia yang tergolong dalam kumpulan Gen Y hidup bergelumang dengan hutang dan 40% daripada mereka berbelanja lebih daripada kemampuan. Responden berusia 20 tahun hingga 33 tahun mendapati golongan ini menghadapi tekanan kewangan dengan majoritinya hutang tunggakan sewa beli kenderaan selain daripada hutang kad kredit. DN 22.12.2015 4 Soalannya, adakah selain daripada kaunseling, adakah sistem pengeluaran KWSP ini dapat dipanjangkan kepada pengeluaran-pengeluaran lain seperti membayar hutang tunggakan sewa beli kenderaan yang kini menjadi satu keperluan memandangkan bayaran-bayaran ini dapat dibuat terus kepada pihak bank seperti mana pinjaman perumahan. Keduanya ialah, apa kaedah atau langkah-langkah kementerian untuk membantu dan menyelamatkan golongan Gen Y ini yang dikatakan sebagai pewaris bangsa dan negara. Terima kasih. Datuk Chua Tee Yong: Terima kasih atas soalan tambahan. Seperti yang dimaklumkan oleh Yang Berhormat Senator, daripada segi pendidikan, sebenarnya kerajaan memahami bahawa pendidikan adalah penting untuk meningkatkan terutamanya keupayaan bagi mengurus kewangan kerana ia satu kemahiran hidup yang penting bagi setiap individu. Maka daripada segi pendidikan, Bank Negara Malaysia telah menjalankan program pengurusan wang Ringgit under POWER dalam shortform, dengan izin, yang bertujuan untuk meningkatkan keupayaan kewangan dalam kalangan pengguna kewangan di Malaysia. Sejak pelancaran POWER ini pada tahun 2010 hingga September 2015, lebih daripada 267,000 orang pengguna telah menghadiri program ini. Program ini mempunyai tujuan untuk caranya: (i) membuat analisis dan menguruskan aliran tunai peribadi atau keluarga; (ii) memastikan hutang pada tahap yang mampu diurus; dan juga (iii) pertimbangan dan proses utama yang perlu difahami oleh bakal peminjam apabila mereka mendapat pembiayaan untuk membeli rumah dan kereta atau kemudahan kad kredit untuk kegunaan peribadi. Ini adalah daripada segi pendidikan. Daripada segi pengeluaran, sebenarnya Ahli Yang Berhormat Senator harus memahami daripada segi wang yang ada di KWSP, bukan 100% boleh digunakan untuk bayaran pinjaman perumahan. Ia mempunyai dua buah akaun iaitu Akaun 1, Akaun 2. Akaun 1 mempunyai 70% daripada jumlah wang yang dicarum dan 30% adalah di Akaun 2 di mana di Akaun 2 dikira dalam kategori prapersaraan di mana dalam Akaun 2, mereka boleh mengeluarkan tujuannya adalah untuk perumahan, kesihatan, pendidikan malah untuk tujuan haji. Maka daripada segi permintaan Ahli Yang Berhormat Senator, untuk memasukkan lebih lagi daripada segi pengeluaran ini akan menjejaskan jumlah yang mencukupi
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