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Financial Planning** "A Malaysian family sitting at a table, discussing a budget. Open notebook and calculator are visible. Fully clothed, modest attire, warm lighting, safe for work, family-friendly, appropriate content, perfect anatomy, natural proportions, professional illustration." **
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Denda Lewat Bayar Pinjaman: Elak Kerugian, Ini Caranya!

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Terlewat membayar pinjaman? Memang bukan perkara yang menggembirakan. Bayangkan, dah lah poket kering, kena pula hadapi denda. Bukan sikit-sikit pula ...

**Image Prompt 1:** A diptych or split-screen image contrasting legal and illegal moneylending in Malaysia. On the left, a brightly lit, professional office with a Malaysian individual comfortably signing a transparent loan agreement, a clear KPKT (Ministry of Housing and Local Government) license prominently displayed, and a friendly, trustworthy loan officer. On the right, a dark, unsettling scene featuring a distressed Malaysian individual or family in front of their home, with threatening graffiti or notices related to "Ah Long" (loan sharks), shadowy, aggressive figures in the background, and overwhelming, exorbitant daily interest rates depicted as ominous numbers. The image should clearly differentiate between safety and danger in borrowing.
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Rahsia Pinjaman Kecil Lulus Cepat Yang Ramai Tak Tahu

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Pernah tak anda tiba-tiba memerlukan wang tunai untuk kecemasan, tetapi simpanan tidak mencukupi atau gaji masih lambat masuk? Saya sendiri ...

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