Topic：Finance

Name：Zulaikha Adlin Binti Mohd Adli

Statement 1：Cashless payment is disadvantageous to the society

Link 1:https://www.nst.com.my/opinion/letters/2018/04/352320/benefits-going-cashless

Link 2:https://www.thebalance.com/pros-and-cons-of-moving-to-a-cashless-society-4160702

Statement 2：Student loans should be abolished as it causes students to graduate with enormous
debt.

Link 1:http://studentdebtwarriors.com/students/pros-and-cons-of-student-loans/

Link 2:https://thecollegeinvestor.com/20183/why-student-loan-debt-can-be-good/

Name：Lai Jun Ting

Statement 1: Due to the improvement of technology, card payment become one of the famous
payment way due to the convenience. There are exist of two type of card payment, by credit card or
by debit card. By compare both of them, is credit card better than debit card?

Link 1: https://www.moneyunder30.com/credit-cards-better-than-debit-cards

Link 2: https://www.washingtonpost.com/business/2019/04/18/yes-debit-card-does-have-some-
advantages/

Statement 2: Due to the improvement of technology, payment by using cryptocurrency become

more mature and reliable. There are many advantages of cryptocurrency, but still have country not
regulate the cryptocurrency yet or regulate it with some restriction. Hence, should cryptocurrency
be fully regulated without any restriction?

Link 1: https://www.ciol.com/7-reasons-countries-legalize-cryptocurrencies/

Link 2: https://www.forbes.com/sites/jasonbloomberg/2018/03/10/we-need-to-shut-bitcoin-and-
all-other-cryptocurrencies-down-heres-why/#76f63cdc1bca

Name：Ooi Yi Zhan

Statement 1：Self-employment is better than being employed

Link 1:https://work.chron.com/advantages-self-employment-11458.html

Link 2 :https://work.chron.com/disadvantages-self-employment-5971.html

Statement 2：Online shopping is better than offline shopping

Link 1: https://medium.com/@bomgamer/7-reasons-why-online-shopping-is-better-than-offline-
5fd269ada245

Link 2: https://www.linkedin.com/pulse/7-reasons-why-offline-shopping-better-than-online-pranay-
prateek

Name：Aqim Zamri

Statement 1:Dr Tun M said that the envisioned 2020 Vision may be accomplished on 2025, the core
element to ensure that the nation thrives is by providing quality education which is free to all the
citizens in the country

link 1

http://www.teenink.com/opinion/social_issues_civics/article/947459/Education-Should-Be-Free-
for-Everyone/

link2 https://bestwritingclues.com/education/why-college-should-not-be-free-6-reasons/

Statement 2: is PTPTN an aid or burden?

link1

https://www.malaymail.com/news/malaysia/2019/09/28/ptptn-ready-to-assist-in-loan-repayment-
says-wan-saiful/1795291

link2

https://loanstreet.com.my/learning-centre/is-ptptn-the-best-study-loan-available-for-malaysian-
students-today