Understanding the nature of Central Bank Independence

Economic growth, the ultimate goal of nations, is a multifaceted concept that encompasses various indicators like GDP growth, wages, and state revenue. However, at the heart of sustainable growth lies stability, particularly in the realms of prices and currencies. Central banks play a pivotal role in achieving this equilibrium, ensuring that economic growth is not […]

Is No Debt the Best Way to Go? Good Debt vs Bad Debt (Malaysia)

Debt, in and of itself, is a scary idea. It implies that something is ‘owed’ and that you are tied down to obligations. You could be in debt to a bank, having taken out a loan to purchase a house, because how many of us can actually afford to buy a house in cash?  But, […]

Malaysia’s National Debt – Everything You Need to Know

Questions surrounding Malaysia’s National Debt have increasingly become a topic of concern. This, in no small part, has been driven by the recent ‘debt crisis’ in the U.S., where discussions were raised that the U.S. may default on its Debt.  The first time Malaysia’s National Debt gained significant attention was in 2018 when the Pakatan […]

Combating ‘Financial Crises’ in Malaysia, 2023 and beyond

The governor of Bank Negara Malaysia (BNM), Tan Sri Nor Shamsiah Mohd Yunus claimed that Malaysia is unlikely to go into a financial recession this year. Does this still stand true in light of the US banking turmoil that led to the second and third-largest bank failures in all of US history? Will there be […]

Apple Savings Account

Apple’s Foray into fintech  Financial technology, often known as fintech, has evolved significantly over the years. Traditional financial institutions have already incorporated technology into their services, while digital firms such as Wise and Coinbase have developed inventive alternatives to our conventional ways. Individuals are  also beginning to diversify the way they handle their finances and […]

Shining a Light on Investing in Solar: Why It’s a Bright Idea for Your Portfolio

Introduction  Interest in renewable energy, such as wind and solar, has been growing since society has become more aware of climate change. However, the recent energy crisis in Europe has accelerated the adoption to some extent.  The rationale was that critical energy transportation links carrying gas to Europe, which they had heavily relied on, were […]

Could Debt Forgiveness alleviate Malaysia’s Student Debt Crisis?

Introduction   As Malaysia approaches high-income status, local tertiary education is becoming increasingly crucial in enabling Malaysians to secure high-paying jobs. Unfortunately, today’s rising demand for tertiary education has also left graduating students with a growing mountain of debt. According to a 2019 report by the Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN), about half of […]

SVB Banking Crisis – FLYouths Research

Silicon Valley Bank (SVB), the 16th largest bank in America, is now the most recent major bank to collapse since the 2008 Financial Crisis second only to Washington Mutual Inc. Last Friday on 10th March, Federal Deposit Insurance Corp (FDIC) took over SVB, transferring all of their deposits to an entity they set up: Deposit […]

Digital Finance in a nutshell, and where Malaysia stands

Malaysia’s Budget 2023 plans towards digitising our industries, particularly digital finance Based on Budget 2023 tabled on 28 October 2022, there are a few touchpoints that will help expand digital financial services in Malaysia, powering inclusive growth in the digital economy. Firstly, a service tax exemption was proposed for online banking or financial services and […]

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