商会联盟促政府和银行，落实全面零息缓还贷款
一个由马来西亚主要行业协会组成的联盟，强烈要求政府落实全面零利息缓还贷款，直至今年年底，或是达至群体免疫之后，视何者为先。
这个称为“为民落实缓还贷款”（Moratorium untuk Rakyat）的联盟今天联署文告强调，政府应该仿效第一阶段的限行令，落实全面缓还贷款，即涵盖所有个人借贷项目、以零利息计算、豁免费用，以及提供选择退出（opt-out）机制。
一个由马来西亚主要行业协会组成的联盟，强烈要求政府落实全面零利息缓还贷款，直至今年年底，或是达至群体免疫之后，视何者为先。
这个称为“为民落实缓还贷款”（Moratorium untuk Rakyat）的联盟今天联署文告强调，政府应该仿效第一阶段的限行令，落实全面缓还贷款，即涵盖所有个人借贷项目、以零利息计算、豁免费用，以及提供选择退出（opt-out）机制。
它肯定政府最近祭出的“经济与人民强化配套+”（PEMERKASA+），但批评当中的贷款缓还措施，无法替人民和企业纾困。
它已呈交诉求信给首相慕尤丁，要求落实全面缓还贷款。
它强调，无人能从这场疫情中幸免，因此所有人都应享有缓还贷款措施。
“这将会让有需要和财务陷困的所有马来西亚人得以疫情难关。这场疫情一波接一波，至今都还没能看到尽头。”
根据文告，这个“为民落实缓还贷款”联盟，以14个主要协会为首，另获得125个协会支持。它们自称涵盖全国超过400个商会，代表将近100万家企业，390万家自雇和微型企业的雇主，以及人民。
银行应在道义上伸援
“为民落实缓还贷款”联盟主张，马来西亚的银行应该站在道义的立场，提供缓还贷款措施，协助国家度过难关。
它说明，这是因为在2008和2009年爆发金融危机期间，大马政府曾经花费高达700亿令吉，拯救包括银行在内的金融制度。
“我们认为，当国家有难时，银行领域必须在道义上，出来采取行动。”
它也称，过去三年，八家顶尖的本地银行一共赚取了930亿令吉的盈利，因此有能力提供缓还贷款服务。
“（我们所倡议的）新缓还贷款机制，只需耗费64亿令吉，仅占它们三年年度利润的7%，或2020年盈利的20%。”
慕尤丁之前宣布的经济振兴配套，其中包括缓还贷款措施，惟受惠群体有限。
根据最新配套，在抗疫封城期间，受到影响的B40低收入群体、失业者、无法营运的微型和中小企业，可选择自动缓还贷款三个月，或申请缓还一半的贷款数额，长达六个月。这项措施将从6月起生效，预料将惠及5万名借贷者，涉及数额高达300亿令吉。
不过，巫统领袖认为，政府应全面批准所有民众延迟还贷。
财政部长东姑扎夫鲁当时回应称，政府无权命令银行做事，惟律师与朝野领袖驳斥此说法。后来，东姑扎夫鲁才承认，政府可动用紧急条例规定银行让所有人自动缓还贷款，但此举将带来深远的影响，政府需付出代价和赔偿银行。
全面封城期从6月1日开始，直至14日。不过，疫情至今似乎尚未显示受控。
共136协会联署诉求
今天联署文告的“为民落实缓还贷款”联盟，其主要14个协会为：
Bumiputra Retailers Organization Malaysia
Dewan Perniagaan Melayu Malaysia
Federation of Malaysian Business Associations
Gerakan Ekonomi Malaysia
Industries Unite
Majlis Tindakan Ekonomi Melayu
Malaysian Association of Theme Parks & Family Attractions
Malaysian Associated Indian Chambers of Commerce and Industry
Malaysia Retailers Association
Malaysian Tourism Council
National Union of Bank Employees
Movement for Monetary Justice Malaysia
Persatuan Pengguna Islam Malaysia
SME Association of Malaysia
另外125个声援此联盟的协会则是：
Agro Association
Arts, Live and Festival Events Association (ALIFE)
ASEAN Air-Conditioning and Refrigeration Association
ASEAN Chamber of Commerce & Industries
ASEAN Retail-Chains & Franchise Federation (ARFF)
Association of International Certified Aesthetician
Association of Tourism Attractions Penang (ATAP)
Association of Wedding Industry Malaysia (AWIM)
Association of Wedding Professionals
Association of Tourism Training Institute of Malaysia (ATTIM)
Batu Road Retailers Association
Branding Association of Malaysia (BAM)
Chamber of Socially Responsible Malaysia
Chinese Entrepreneurs Association of KL & Selangor
Council of Asian Fashion Designer (CAFD)
Dewan Perniagaan Usahanita Spa Melayu Johor
Digital Marketing Association Malaysia (DMAM)
Federation of Malaysian Fashion Textile and Apparel (FMFTA)
Federation of Malaysian Vegetable Farmers Association
Federation of Motor and Credit Company Association of Malaysia
Federation of Sundry Goods Merchant Associations of Malaysia
Federation of Livestock Farmers' Associations of Malaysia (FLFAM)
Fruit Association
Institute of Image & Cosmetology Industry
International Beauty Health and Education Association (IBHEA)
International Women Entrepreneurs of Malaysia (IWEM)
Ipoh Little India Traders Association
JCI Entrepreneur Metropolitan Kuala Lumpur
KL Tourism Association (KLTA)
Koperasi Kecantikan & Spa Trengganu Berhad
Kuala Lumpur & Selangor Fruit Farmers’ Association
Little India Klang Entrepreneurs Association (LIKEA)
Malay Wedding Portrait Photography Malaysia
Malaysia 3D Media Association
Malaysia Association of Professional Trainers & Coaches (MAPTaC)
Malaysia Association of Therapist Industrial Development (MATID)
Malaysia Association of Wellness Trainers (MAWT)
Malaysia Association Therapist Industrial Development (MATID)
Malaysia Budget & Business Hotel Association (MyBHA)
Malaysia Cross Border E-commerce Association
Malaysia Digital Chambers of Commerce
Malaysia Fish Industries General Association
Malaysia Foodstuffs & Toys Merchants’ Association
Malaysia Graduates Entrepreneur Association (PUGM)
Malaysia Hairdressing Association (MHA)
Malaysia Indian Youth Council
Malaysia International Exhibitions Association (MIEA)
Malaysia Kampungstay & Homestay Association (MKHA)
Malaysia Positive Psychology Association (MPPA)
Malaysia Promas International Business Society
Malaysia Retail Association (MRA)
Malaysia Saudi Business Chamber
Malaysia Singapore Coffee Shop Proprietors' General Association (MSCSPGA)
Malaysia Tea Association (MyTA)
Malaysia Watch Trade Association
Malaysia World Digital Economy Association
Malaysia Young Food Industry Entrepreneur Malaysia (MYFOODIE)
Malaysian Association of Convention & Exhibition Organisers and Suppliers (MACEOS)
Malaysian Association of Hotels (MAH)
Malaysian Association of Wellness & Spa
Malaysian Bakery, Biscuit, Confectionery, Mee and Kuay Teow Merchants’ Association
Malaysian Bumiputra Designer Association (MBDA)
Malaysian Footwear Manufacturers Association (MFMA)
Malaysian Franchise Association (MFA)
Malaysian Garments Marketers Association (MGMA)
Malaysian Gifts and Premium Association
Malaysian Hotel Owners Association (MAHO)
Malaysian Indian Association of Events
Malaysian Indian Goldsmith & Jewellers Association
Malaysian Indian Goldsmiths & Jewellers Association (MIGJA)
Malaysian Indian Metal Traders & Recycling Association (MIMTA)
Malaysian Indian Textiles & General Stores Association (MITA)
Malaysian Medical Association
Malaysian Muslim Wholesalers and Retailers Association (MAWAR)
Malaysian Sauce Manufacturers’ Association
Malaysian Spas Association (AMSPA)
Malaysian Textile Manufacturers Association (MTMA)
Malaysian Indian Muslim Chamber of Commerce & Industry (MIMCOIN)
Malaysian Official Designers Association (MODA)
National Association of Private Education Institutions (NAPEI)
85.Nilai Indian Business Association (NIBA)
Penang Chinese Chamber of Commerce
Penang Foochow Coffee-Shop Owners Association
Penang Little India Traders Association
Penang Spa Association (PenSpa)
Penang Wedding Professionals Association
Peniaga-Peniaga Kecil India, Seremban, Negeri Sembilan
Perak Indian Chamber of Commerce (PICC)
Perak Wedding & Event Professionals Association
Persatuan Anggun Menawan Malaysia (PAMM)
Persatuan Kecantikan & Spa Langkawi
Persatuan Kontractor India Malaysia
Persatuan Makanan Laut Proses Malaysia
Persatuan Pengusaha Jurugaya Rambut India Malaysia (MINDAS)
Persatuan Pengusaha Majlis Perkhawinan Malaysia
Persatuan Pengusaha Perlancongan Bumiputra Perak
Persatuan Pengusaha Restauran & Kafe Melaka
Persatuan Peniaga-Peniaga Kopi, Bar dan Restoran Petaling Jaya (PJCA)
Persatuan Peniaga-Peniaga Lebuh Ampang
Persatuan Syndrome Down Malaysia
Persatuan Usahawan Foodtruck Wilayah Persekutuan Kuala Lumpur
Persatuan Usahawan Maju Malaysia (PUMM)
Persatuan Usahawan Spa Kelantan
Persatuan Usahawan Spa Pahang
Persatuan Usahawan Spa Perak (SISPA)
Persatuan Wanita Bumiputera dalam Perniagaan & Profesyen (Peniagawati)
Persatuan Wawasan Wanita Bumiputra Sarawak (SARANITA)
Pertubuhan Kebajikan AZZ
Pertubuhan Masyarakat Mahir & Dinamik Malaysia
Pertubuhan Pengusaha Bunga-bungaan Cameron Highlands
President of McMillan Woods Global
Persatuan Pengusaha Restoran Muslim Malaysia (PRESMA)
Persatuan Pengusaha Restoran India Malaysia
Private Practitioners Society, Malaysian Medical Association
Sarawak Federation of Coffee Shops & Restaurants Association
Selangor & Kuala Lumpur Stationery and Bookseller Association
The Malaysian Association of Tour and Travel Agent (MATTA)
The National Tech Association of Malaysia (PIKOM)
United Asian Hairdressers Association (UAHA)
Wedding Professionals Association of Malaysia
