Ringgit and Sense

Buy Now Pay Later has become the default payment method for millions of Malaysian consumers, promising instant approval and zero friction at checkout. But that is changing, and the new Consumer Credit Act is rewriting the rules.

Johnson Hong and Lo Khai Yi, partners at Halim Hong & Quek, discuss new legal requirements placed on BNPL providers, shoppers, and its impact on the broader consumer finance landscape.

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Wahed's new fractional real estate product lets investors tap into Shariah-compliant property exposure with as little as RM500. We speak to Mohsin Siddiqui, CEO of Wahed, about how the product works, how it stacks up against i-REITs, and whether being Shariah-compliant comes at the cost of returns.

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RHB's top small caps for 2026 are financially stable, with bright growth prospects and resilient. Elaine Boey speaks with Alexander Chia, Head of RHB Regional Research, about how these companies are selected, what makes them stand out, and how they are navigating the headwinds in the second half of 2026.

Go to RHB's website for the RHB's 20 Jewels 2026 Report'.

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• This week on Ringgit & Sense, producer Jake Lim speaks with Nur Mahfuudhzah binti Normin, licensed financial planner at Resolute Planning about Islamic financial planning - how it differs from conventional financial planning, some of the principles involved, how insurance and interest work under this framework and more.

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This week on Ringgit & Sense, producer Jake Lim speaks to Stephen Yong, licensed financial planner and Executive Director at Wealth Vantage Advisory about a certain income bracket among Malaysian - specifically the T20 group - why the classification might be broken from the outset, why individuals and households in the lower end of T20 might not be as ‘rich’ as many of us think.

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This week on Ringgit & Sense, producer Jake Lim speaks with Linnet Lee, licensed financial planner at Resolute Planning about unit trusts - what they are, what kind of investors might be interested in the profile of this investment instrument, how they differ from other instruments like ETFs, and more.

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• This week on Ringgit & Sense, producer Jake Lim speaks to Kevin Neoh, licensed financial planner and Head of Financial Planning at VKA Wealth Planners about budgeting in times of economic stress - even though we aren’t technically in a recession yet, the government has advised the people to spend cautiously. They’ll be discussing how to best do this!
  
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• This week on Ringgit & Sense, producer Jake Lim speaks to Yuvarajan Periyan, licensed financial planner and co-founder of Uno Advisers about young money in the wake of news of more younger people declaring bankruptcy in Malaysia. Jake will be asking Yuva about the allure of the ‘social media lifestyle’, why young investors might take excessive risk and more.
  
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This week on Ringgit & Sense, producer Jake Lim will be speaking to Datin Nor Hanifah Hashim, CEO & Head of Malaysia, Franklin Templeton about an investment asset that might be unfamiliar to some of our listeners: sukuk. They’ll be talking about what sukuk is, how they differ from regular bonds, whether it’s a good idea to have them in your portfolio, and more.

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This week on Ringgit & Sense, producer Jake Lim speaks to Yap Ming Hui, founder of Whitman Holdings - he’s also a licensed financial planner - about the profession. What makes a licensed financial planner different from the ‘wealth coaches’ and ‘investment consultants’ out there, how to tell whether they’re a good job, how much you can expect to pay, and more. Whitman was also recently listed on the LEAP Market

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