{"id":1556,"date":"2025-03-13T23:03:30","date_gmt":"2025-03-13T15:03:30","guid":{"rendered":"https:\/\/ekonomiunggul.com\/?p=1556"},"modified":"2025-03-13T23:03:31","modified_gmt":"2025-03-13T15:03:31","slug":"rakyat-malaysia-rugi-rm3-bilion-setahun-akibat-fi-tersembunyi-forex","status":"publish","type":"post","link":"https:\/\/ekonomiunggul.com\/?p=1556","title":{"rendered":"Rakyat Malaysia rugi RM3 bilion setahun akibat fi tersembunyi forex"},"content":{"rendered":"\n<p>KUALA LUMPUR: Rakyat Malaysia berisiko kerugian sehingga RM3.3 bilion setahun menjelang 2029 sekiranya tidak mengendahkan fi tersembunyi dalam tukaran asing (forex).<\/p>\n\n\n\n<p>Hasil dapatan kajian baharu di bawah Wise, sebuah syarikat teknologi global, mendedahkan rakyat negara ini kerugian kira-kira RM2.99 bilion (AS$655 juta) dalam bentuk fi forex tersembunyi pada 2023.<\/p>\n\n\n\n<p>Malah, 76 peratus daripada mereka yang mengirim wang ke luar negara, percaya mereka &#8216;agak&#8217; atau memahami &#8216;sepenuhnya&#8217; kos sebenar daripada pembayaran berkaitan.<\/p>\n\n\n\n<p>Sebaliknya, hanya 18 peratus daripada rakyat negara ini yang sedar dan mengakui margin tersembunyi forex ini memberi kesan kepada penghantaran wang berkenaan.<\/p>\n\n\n\n<p>&#8220;Sebagai contoh, satu transaksi penghantaran wang antarabangsa bernilai AS$1,000 (kira-kira RM4,424) yang diiklankan sebagai &#8216;bebas fi,&#8217; boleh menyebabkan tambahan RM159 dalam forex jika margin 3.6 peratus itu dikenakan.<\/p>\n\n\n\n<p>&#8220;Walaupun fi pendahuluan itu lazimnya dinyatakan oleh penyedia perkhidmatan, ramai daripada pihak itu sebaliknya cenderung mengenakan bayaran tambahan tidak dinyatakan dalam kadar pertukaran itu berbanding memilih kadar lebih saksama di pasaran pertengahan yang menyebabkan pengguna membayar lebih daripada sepatutnya,&#8221; katanya dalam satu kenyataan.<\/p>\n\n\n\n<p>Wise turut mendedahkan sebanyak 52 peratus rakyat Malaysia menggunakan kemudahan PayPal bagi tujuan kiriman wang ke luar negara dan disusuli menerusi bank (44 peratus) serta Western Union (33 peratus).<\/p>\n\n\n\n<p>&#8220;Biarpun ramai beranggapan penyedia perkhidmatan ini telus mengenai fi mereka, tambahan kadar tukaran yang tersembunyi ini lazimnya tidak disedari.<\/p>\n\n\n\n<p>&#8220;Oleh kerana ramai rakyat negara ini bertindak menghantar wang ke luar negara untuk manfaat keluarga, pendidikan dan kos penjagaan kesihatan, caj ini sebenarnya boleh meningkat dengan pantas dan menjadi beban kewangan yang ketara,&#8221; kata syarikat itu.<\/p>\n\n\n\n<p>Sehubungan itu, Wise mengingatkan rakyat yang berhasrat menghantar wang ke luar negara untuk bertindak membandingkan kadar pertukaran dengan kadar pasaran pertengahan selain berhati-hati dengan dakwaan &#8216;sifar yuran&#8217; atau &#8216;yuran rendah&#8217; dan bertindak meneliti cetakan butiran transaksi bagi mengenal pasti fi forex yang tersembunyi.<\/p>\n\n\n\n<p>-BERNAMA<\/p>\n\n\n\n<p>Sumber: <a href=\"https:\/\/www.bharian.com.my\/bisnes\/lain-lain\/2025\/03\/1372332\/rakyat-malaysia-rugi-rm3-bilion-setahun-akibat-fi-tersembunyi-forex\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-ast-global-color-3-color\">BH Online<\/mark><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>KUALA LUMPUR: Rakyat Malaysia berisiko kerugian sehingga RM3.3 bilion setahun menjelang 2029 sekiranya tidak mengendahkan fi tersembunyi dalam tukaran asing (forex). Hasil dapatan kajian baharu di bawah Wise, sebuah syarikat teknologi global, mendedahkan rakyat negara ini kerugian kira-kira RM2.99 bilion (AS$655 juta) dalam bentuk fi forex tersembunyi pada 2023. Malah, 76 peratus daripada mereka yang [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[5],"tags":[],"class_list":["post-1556","post","type-post","status-publish","format-standard","hentry","category-berita"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Rakyat Malaysia rugi RM3 bilion setahun akibat fi tersembunyi forex - Solusi Ekonomi Unggul<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ekonomiunggul.com\/?p=1556\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Rakyat Malaysia rugi RM3 bilion setahun akibat fi tersembunyi forex - Solusi Ekonomi Unggul\" \/>\n<meta property=\"og:description\" content=\"KUALA LUMPUR: Rakyat Malaysia berisiko kerugian sehingga RM3.3 bilion setahun menjelang 2029 sekiranya tidak mengendahkan fi tersembunyi dalam tukaran asing (forex). Hasil dapatan kajian baharu di bawah Wise, sebuah syarikat teknologi global, mendedahkan rakyat negara ini kerugian kira-kira RM2.99 bilion (AS$655 juta) dalam bentuk fi forex tersembunyi pada 2023. 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Hasil dapatan kajian baharu di bawah Wise, sebuah syarikat teknologi global, mendedahkan rakyat negara ini kerugian kira-kira RM2.99 bilion (AS$655 juta) dalam bentuk fi forex tersembunyi pada 2023. 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