Sam_Empayar

Hanya Manusia Biasa Seperti Kalian Semua

[Sam_Empayar @duniawisam]

Be Patient

[Troll Touchline @TrollTouchline]

🚨💣🎙️ | Julian Alvarez BLASTS Arsenal media Critics ahead of their Fixture:

🎙️Alvarez: 🗣️ “I honestly don’t understand why Arsenal receive the level of criticism they get. For me, they are a great club with a very strong team. When I have time on weekends, I watch them, and I really enjoy their style of play — the way they move the ball, the intensity, the ideas. It’s something I admire a lot.

What Mikel Arteta has done there is incredible. People need to give Arsenal more credit because what they are doing is not easy at all. To be unbeaten in the UEFA Champions League at this level is very, very remarkable. And then you look at the Premier League and see them at the top — that’s insane. It shows the level of the team.

I think sometimes people just like to talk about Arsenal because their own clubs are not capable of doing what this team is doing right now. It’s easier to criticize than to recognize quality.

For me, I’m really looking forward to playing against them with Atlético Madrid. It’s going to be a great game of football two very strong teams going head-to-head. I know the level they have, and we also believe in our strength. These are the matches you want to play in, and I can’t wait for it.”

[Stärgirl Shãree ™ @Shareee]

Unai Emery and Mikel Arteta in defeat. Polar opposites

[🔺meingl🔻 @meinmokhtar]

Tahniah kepada penerima Dividen ASB 2025! 🎊🎉

10k - RM 575
20k - RM 1,150
30k - RM 1,725
40k - RM 2,300
50k - RM 2,875
60k - RM 3,450
70k - RM 4,025
80k - RM 4,600
90k - RM 5,175
100k - RM 5750
110k - RM 6,325
120k - RM 6,900
130k - RM 7,475
140k - RM 8,050
150k - RM 8,625
160k - RM 9,200
170k - RM 9,775
180k - RM 10,350
190k - RM 10,925
200k - RM 11,500

Selamat Tahun Baru 2026! 🎉🎊

[Ebankz @beats_bybankz]

@centregoals Emery was so pissed he didnt shake hands with Mikel Arteta, what a sore loser

[Gabbar @Gabbar0099]

🤡

[Random Thread @randomable_]

Detik-detik Magnus Carlsen kalah dari pecatur india berusia 19 tahun dan langsung gebrak meja😱

yang kalah shock, yang menang lebih shock lagi karena bisa ngalahin juara dunia catur😭

[AW @afc_cat]

Magalhaes family in London celebrating Martinelli's winning goal 🇧🇷

Luiz Henrique Severo

[Arsenal @Arsenal]

Writing the next chapter - TOGETHER 👊

[Premier League @premierleague]

Arsenal have faced Real Madrid just three times

They've never lost and are yet to concede a goal 👏

[𝗗Ẹ𝗖𝗟𝗔𝗡 𝗥!𝗖𝗘 @DR41fanpage]

DR41 ❤️

[Premier League USA @PLinUSA]

ARSENAL ARE ON FIRE 🔥🔥🔥

[Fabrizio Romano @FabrizioRomano]

Historical night for Arsenal! 🔴⚪️

[Arsenal @Arsenal]

Unforgettable night. Unforgettable performance.

[Khairulaming @khairulaming]

ESOK RAYAAAAA ✨✨✨

[kira 👾 @kirawontmiss]

final destination is making a comeback to traumatize the new generation 😭

[Fabrizio Romano @FabrizioRomano]

🚨🏴󠁧󠁢󠁥󠁮󠁧󠁿 Man of the Match + goal on debut. Myles Lewis-Skelly’s perfect night. ✨

[Domino's Pizza UK @Dominos_UK]

delivery for City

[Arsenal @Arsenal]

BIG THREE POINTS ❤️

[Sam_Empayar @duniawisam]

North London Forever

[Syahir @syahir]

selain isu peminjam taknak bayar balik PTPTN, ada isu lain yang lebih besar.

korang tau tak, PTPTN punya sumber untuk bagi pinjaman datang dari mana? datang dari hutang. PTPTN meminjam daripada bank-bank melalui pinjaman bersindiket dan juga terbitan sukuk.

setakat tahun 2022 PTPTN berhutang RM41.5 bilion dengan bank-bank & pemegang sukuk.

kadar keuntungan (interest la senang cerita) pinjaman ni sekitar 3% hingga 5%. lepas tu PTPTN kenakan interest/ujrah kepada peminjam hanya 1%. maknanya PTPTN meminjam pada kadar faedah yang tinggi untuk bagi pinjaman pada kadar faedah rendah.

semua pinjaman ni dijamin Kerajaan sebab tu bank-bank berani bagi pinjam, kalau PTPTN tak mampu bayar, Kerajaan akan tolong bayar. kalau Kerajaan kena bayar sudah tentu duit tu datang daripada pembayar cukai.

pendapatan bersih PTPTN daripada pembayaran balik semula hanya sekitar RM300 juta setahun, lepas tu Kerajaan bagi geran kepada PTPTN dalam RM1.8 bilion. so hasil PTPTN dalam RM2.1 bilion setahun.

nak bayar interest yang PTPTN pinjam RM1.7 bilion setahun, hapuskan hutang yang dapat 1st class degree RM300 juta, campur belanja operasi bayar gaji staf etc.

maknanya geran Kerajaan + pendapatan daripada bayaran balik pinjaman cukup cukup je nak bayar kos operasi, kos pinjaman, kos hapuskan hutang.

lepas tu setiap tahun PTPTN kena sediakan RM3 bilion untuk peminjam baru & sedia ada. dari mana datang duit tu? dari pinjaman yang PTPTN buat. so setiap tahun PTPTN kena buat pinjaman baru.

model pinjaman pendidikan macam ni tak sustainable. kalau semua peminjam bayar pinjaman dan takde peminjam yang culas pun, PTPTN dan Kerajaan tetap tanggung kerugian. kalau trend bayaran balik sama pulak lagi 20 tahun liabiliti PTPTN boleh mencecah RM100 bilion.

ticking time bomb. ⏱️💣⏱️💣⏱️💣