GTP 2.0 - Prime Minister's Office of Malaysia

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Financial literacy education will also be introduced in GTP 2.0
as a key enabler to help low-income households make smart
economic decisions, which is vital in helping them break
free from the poverty trap. Financial literacy programmes
will be integrated with the 1AZAM programme to ensure that
participants make the best use of the training they receive.
The goal is to integrate financial literacy for all 1AZAM
participants and families as it will ensure a sustainable exit
out of poverty. Under this initiative, the LIH NKRA will:
Increase the awareness of financial literacy focusing on
poor and extreme poor household needs
Upscale and assist financial literacy training conducted by
private sector and nongovernmental organizations
Improve the quality of life of the poor by enhancing
knowledge of household management
Leveraging on Financial Literacy Education Training (FLET)
programmes to enhance knowledge and decision-making
Categorise eKasih graduate participants under exit policy.
Finally, the GTP 2.0 will also see the enhancement of
supporting initiatives such as insurance schemes and shelters
for the poor in Malaysia to provide better cover, especially for
the urban poor. These supporting structures will ensure that
there is a safety net in place for poor households should
they need them.
In order to achieve these objectives, the LIH NKRA will work
more closely with the various ministries, corporate, NGOs
and other relevant NKRAs such Improving Rural Basic
Infrastructure (RBI NKRA), Improving Student Outcomes (EDU
NKRA) and Improving Urban Public Transport (UPT NKRA). More
details are available in the GTP Roadmap 2.0.
CREatING lINks IN a CoNtINuous
PRoGRammE oF ChaNGE
Ending poverty in Malaysia is an achievable goal. The measures undertaken in the
last three years have put forward achievable demands that will have the capacity to
effect change. While there will be key differences in the way the NKRA initiatives are
implemented over the next three years, the measures, drawn from lessons learnt, will
nonetheless be complementary. The goal for the next phase of change is broader
engagement from corporate entities, NGOs and individuals.
The LIH NKRA builds on a continuous programme of transformation and will thus
see the major flagship initiatives of GTP 1.0 continued over the next three years with
enhancements. Enablers will be added to support direct empowerment initiatives, and
will in turn develop skills promoting healthy financial decisions.
KEy lESSONS
7.3
Poverty eradication efforts must take a holistic
approach, targeting long-term change and
achieving lifestyle transformation. GTP 2.0
will thus help cultivate the right environment
to better enable the economic empowerment
programmes implemented in GTP 1.0 through a
number of tweaks such as the introduction of a
mentoring programme and securing the aid of
NGOs in sharing expertise. Vulnerable groups
will receive special attention in GTP 2.0.
One of the key challenges of GTP 1.0 was
to encourage participation among the targeted
recipients, who were reluctant to do so for a
variety of reasons. These include a general
resistance to change and also a lack of trust
over the efficacy of the programmes. Some of
the participants preferred monetary assistance
to training but most were concerned by the
sustainability of the 1AZAM programmes. By
marshalling NGOs to help with the delivery, the
LIH NKRA believes that some of these issues may
be overcome going forward.
There were also cases where poor
households registered with eKasih did not
receive aid in a timely manner. The LIH NKRA
Although the LIH NKRA started out distributing direct
financial assistance to help low-income households, it
quickly became obvious that this was not sustainable
– neither for government nor for recipients. There
was a need to empower recipients in order to create a
long-term solution.
believes that there needs to be greater
streamlining of the delivery process to ensure
that everyone who registers with eKasih will
receive the support and assistance they need.
The high cost of delivery services in remote
Sabah and Sarawak was another great challenge.
Hence, under GTP 2.0 the LIH NKRA effort
in these two states will address community
requirements while providing economic
assistance via the 1AZAM programmes.
As part of the lessons learnt in 2012, the LIH
NKRA team has embarked on a number of pilot
projects to strengthen the 1AZAM programme,
namely initiatives concerning financial
literacy, food baskets, community feeding and
collaboration with NGOs. These new initiatives
will require testing to identify any shortcomings
before they are presented to their respective
stakeholders for effective implementation.
The LIH NKRA conducted a number
of pilot programmes in 2012 for GTP 2.0
initiatives to ascertain their viability before full
implementation in 2013. These programmes
include both economic empowerment and
economic enablers. Examples are as follows:
136 Government transformation Programme—Annual Report 2012 Chapter seven 137
Government transformation Programme—Annual Report 2012 Chapter seven