- 3 months ago
Malaysia is growing old — fast.By 2024, 11.6 % of Malaysians were aged 60 and above. By 2040, that share will hit 14.5 % — nearly 1 in 7 citizens.Yet, most retirees have less than RM 10,000 in EPF savings, and only 6,700 certified caregivers serve over 3 million older adults.As Budget 2026 is tabled, how can Malaysia turn the silver wave into an economic engine that leaves no one behind?
Join Tehmina Kaoosji on NIAGA SPOTLIGHT as she speaks with:
Chai Sen Tyng, Senior Research Officer, Malaysian Research Institute on Ageing,
(MyAgeing) @ UPM Tengku Aira Tengku Razif, Assistant Representative, UNFPA in Malaysia Dr Melody Ang, Secretary General, Malaysian Association for Social Care Professionals and Homes, (MASOC Care).
Join Tehmina Kaoosji on NIAGA SPOTLIGHT as she speaks with:
Chai Sen Tyng, Senior Research Officer, Malaysian Research Institute on Ageing,
(MyAgeing) @ UPM Tengku Aira Tengku Razif, Assistant Representative, UNFPA in Malaysia Dr Melody Ang, Secretary General, Malaysian Association for Social Care Professionals and Homes, (MASOC Care).
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NewsTranscript
00:00Hello and welcome to Nyaka Spotlight with me Tamina Kaosji.
00:17Nyaka Spotlight goes through the week in economic analysis and future affairs.
00:21Now today on future affairs, our spotlight is on International Day of Older Persons
00:25and of course budgeting for an aging nation.
00:27As Malaysia readies to table Budget 2026, later today on October 10th,
00:32one fiscal truth stands out.
00:34We are aging faster than we're planning for it.
00:37By 2024, 11.6% of Malaysians were already aged 60 and above,
00:41while those 65 and older reach 8% this year.
00:45A share projected to also rise to 14.5% by 2040.
00:50Now under Budget 2025, the government raised the Health Ministry's allocation
00:53to RM45.3 billion, up 9.8% and also boosted elderly welfare spending
00:58to nearly RM1 billion, including RM600 monthly aid for over 300,000 recipients.
01:05However, with lifespans lengthening and retirement savings shrinking,
01:09the real test for Budget 2026 is whether it simply spends more or spends smarter,
01:15investing thus in prevention, care infrastructure and a potential civil economy
01:22that can turn longevity into Malaysia's next growth driver.
01:26Now this is an especially timely focus given the International Day of Older Persons
01:30on the 1st of October and National Senior Citizens Day on 5th of October.
01:35The Renewed Elderly Action Plan, Plan Tindakan Warga Masnegara PTWEN 2026-2030,
01:42which was launched on the 5th by Minister of Women, Family and Community Development,
01:46Datuk Sri Nancy Shukri, is also intended to serve as a blueprint
01:50to reinforce long-term elderly care, governance and expand awareness programs
01:55on aging at the individual, family and community levels.
01:59Today on Nyanga Spotlight, we unpack how Malaysia can build a society for all ages
02:03through data, dignity and fiscal discipline with insights from speakers joining us in the studio.
02:09Chai Sen Ting, Senior Research Officer, Malaysian Research Institute on Aging,
02:13My Aging at University Putra, Malaysia, UPM.
02:16Tunku Aira Tunku Razif, Assistant Representative with the United Nations Population Fund,
02:21the UNFPA in Malaysia.
02:23And Dr. Melody Ahm, Secretary General with the Malaysian Association
02:26for Social Care Professionals and Homes for Senior Care Industry or MASOC Care.
02:31A very good morning to all of you.
02:33Thank you so much for being here with us here in the studios.
02:35So perhaps to get the discussion started off, Chai, from my ageing's perspective,
02:40let's look at the setting the scene with a much bigger picture in place
02:44and looking at redefining the silver workforce.
02:48Now, this might actually be particularly crucial as retirement adequacy falls
02:52and lifespans are actually rising.
02:54So some initial thoughts on this, looking at everything that we have seen
02:58across from last year's budget tabling
03:00to what is being anticipated for the year to come.
03:04I think, thanks to me, I think one of the major developments is
03:09in the 13th Malaysia Plan, it was specifically mentioned
03:12that the government will embark on what we call a re-employment program
03:19for senior citizens and we do not really exactly have the details.
03:24But I think part of the silver economy or what we call the longevity economy
03:30is to ensure that for all the persons who want to work,
03:33they can remain in the workforce and there is a mechanism
03:36to encourage them to stay active and productive.
03:40Of course, the focus of the debate now is mostly on increasing retirement ages,
03:47but that is not the only way to go about the solutions.
03:52We can actually think about other methods such as re-employment act,
03:57reducing age discrimination at the workplace,
04:00or encouraging even multi-generational workforce.
04:02These are all viable programs for the government.
04:06Absolutely.
04:06And one issue which has repeatedly come up and also MyAging has had
04:11a particular note in this conversation is looking at the fact
04:15that EPF balances are weak.
04:17And the data shows us that about 50% of retirees actually fall
04:21far below what would be national adequacy targets.
04:25So what form of identification perhaps of those who are particularly vulnerable
04:30would MyAging like to perhaps propose or look forward to,
04:34especially with the tabling?
04:35I think in many ways, pension reforms for the private sector
04:40has to take place hand-in-hand with public pension reforms.
04:44But the key issue here is, of course,
04:47how do we move from a defined contribution,
04:52individual account approach like EPF
04:55and make sure that we can transition,
04:57at least for the new EPF contributors,
05:00into some kind of a pension system.
05:02And I think we have many examples in the region and other countries
05:07where they have successfully made this transition.
05:10A case in point would be Singapore's CPF life.
05:14So they have very similar roots like this,
05:16but they now have what we call a government-guaranteed payout structure,
05:23where if you have, you know, at the age of 55,
05:26you have $60,000 as savings,
05:31then you are eligible for an annuity or pension-like payout for life,
05:37and that's guaranteed.
05:39So we can take a look at the lessons from Singapore and other countries,
05:44but the definitive feature is that we have to change.
05:48I mean, there are things that have to be changed,
05:51and it's just a question of how do we get consensus
05:55or how do we get compromises along the way.
05:58And speaking of compromises and also at the same time
06:01trying to identify that nobody gets left behind,
06:05Timko Aira, let's go into, of course,
06:07digging a little bit deeper from UNFPE's perspective
06:10about what true inclusion might mean
06:13on the occasion of not only IDOP,
06:16but also forward-looking towards how we can ensure
06:20that we are being truly inclusive in allocations,
06:23and not only from perhaps a welfare sort of an approach
06:27for our older persons.
06:29Thank you, Tamina.
06:31And thank you for raising this important question.
06:34Malaysia is an upper-middle-income country,
06:36so the point that you made is really critical
06:39as we need to really look into targeting those
06:43what we normally call left behind.
06:46So I think there is a need to have a more targeted approach
06:49for those with definitely a lower income,
06:52those in rural areas and also lower educational attainment levels.
06:58So, I mean, we've seen, for example,
07:00in the programmes that we run in the rural communities,
07:03there are communities that we've met,
07:06indigenous population where the hospital is about 66 kilometres away.
07:12So there are issues around, you know, distance,
07:16transportation, access to healthcare and so forth.
07:20So it's really important to ensure that they, you know,
07:23they have access.
07:25And I know that we do have mobile services as well,
07:27but perhaps it needs to be strengthened.
07:30Another point as well is,
07:32while there are many service provisions and so forth,
07:36I think it's also important to generate awareness
07:38amongst communities especially.
07:41The programme that we have on ground
07:43actually looks at providing,
07:45we call it a literacy programme,
07:48telling them about what's your right
07:50within the, you know, law, legal provisions in Malaysia,
07:54what kind of services are there out there
07:56and how can you actually reach out to those services.
07:59So both, I guess, from the supply and demand side,
08:02you need to ensure that not only the services are available,
08:05but the communities are also aware
08:07that such provisions are out there
08:09and how can we better enable them to access those services.
08:14Not forgetting also to highlight that,
08:16unfortunately, for women as well,
08:18we do need to make sure that women are also,
08:22you know, included in this intervention.
08:27I will elaborate, yeah, there's a lot to elaborate,
08:29but generally, women are usually
08:33the ones carrying care burdens and so forth
08:37and they might have lesser opportunities
08:41to being in the labour force
08:42or at least in the formal sector.
08:44So having lesser income, again,
08:46comes back to, you know, barriers
08:48in assessing health services
08:50and women actually live longer than men.
08:53Also very true.
08:54Yes.
08:54So there are, you know,
08:57more risk of health issues
09:00for when you live longer and for women.
09:03And so there needs to be a more targeted approach,
09:06particularly for older women.
09:08And if you are in the informal sector,
09:11then you don't have the, you know,
09:13pensions and so forth.
09:15And so you have less coverage as well.
09:17Yeah, so...
09:18Exactly.
09:18So what we're really seeing is that perhaps
09:21it's time for the lens to shift
09:22specifically also with the focus on women
09:26when it comes to the elderly
09:27because another intersection
09:28that quite often happens to our elderly
09:31is the intersection of disability
09:34together with becoming aged.
09:36And even for women then,
09:38you may be elderly,
09:39you may have certain physical limitations,
09:41perhaps suffering from one of our many NCDs
09:44which afflict the elderly,
09:46but also still be in charge of caregiving,
09:48which then, of course,
09:49multiplies the burdens that are held.
09:51Thank you very much for that, Tinko Aira.
09:53So Dr. Melody,
09:54a perfect segue then
09:55to actually look at the fact that,
09:58of course,
09:58our elderly and our ageing population
10:01do also require more and more care
10:04as time goes by.
10:06Now we have less than 10,000
10:08licensed and registered caregivers
10:10for the elderly sector countrywide.
10:13Some initial thoughts on this
10:14from Mass Outcare's perspective.
10:16Okay.
10:18So actually,
10:19let me continue a bit
10:20from what Tengku Aira was just mentioning
10:22just now when it comes to women.
10:24Actually,
10:24one third of women over 50 years old
10:26are caring for an elderly parent
10:28and they spend an average
10:30of eight to 30 hours per week
10:32on top of their working hours.
10:35So that is one to three days extra.
10:36And this has actually caused
10:39their average income
10:40to drop around 33%.
10:41So most of the time,
10:43what happens is
10:44they either have to let go
10:46of their job
10:48or in fact,
10:49their career ultimately.
10:51So,
10:52and 93% of family caregivers,
10:55actually,
10:55they are not trained.
10:56Therefore,
10:56there is a lot of physical pain,
10:58mental stresses
10:59and family arguments.
11:01So just now,
11:01you mentioned about
11:02the care centres,
11:04right?
11:05Yes,
11:05actually care centres,
11:07based on what we understand
11:10from our association,
11:11actually,
11:12most of the care centres,
11:14they try hard
11:15to provide good services.
11:17But one of the main issues
11:19that they actually face
11:20is the lack
11:21of professional caregivers.
11:23No matter how much they try,
11:25once you have not enough manpower,
11:26there's nothing much
11:27that you can do
11:28and family members become,
11:30they lose trust
11:31in care homes
11:32because of this
11:33lack of professional caregivers.
11:34And that's why
11:36in our association,
11:37we try our best
11:39to equip
11:40as much as possible
11:41professional caregivers
11:42so that they are able
11:43to increase
11:44and improve
11:45the standard of care
11:46homes in Malaysia.
11:48Absolutely.
11:49And I think
11:50it's also interesting
11:51to note that
11:51quite often
11:52we allocate it
11:53once again
11:54under the welfare part
11:55of the economy,
11:56not actually looking at it
11:57as a potential growth sector.
11:59Now,
12:00with the ageing population
12:01shifting into
12:02double digit percentiles
12:03and increasingly
12:05the elderly individuals
12:07choosing either
12:08due to,
12:09because of
12:10physical disability
12:11or illnesses
12:12or perhaps
12:13even as a choice
12:14wanting to go
12:16into so-called
12:17independent living
12:18senior homes,
12:19the demand is going
12:20to potentially
12:21double very quickly
12:23in less than a decade.
12:24Aside from
12:25professionalising
12:26the care industry,
12:27what other mechanisms
12:29do you believe
12:29would be most important
12:31at this juncture?
12:33I see.
12:33I think one of the main
12:35things aside
12:35from professional
12:36caregivers
12:37are the care recipients,
12:38the mindset
12:39of the care recipients
12:40because most of the time
12:41what we see
12:42in terms of
12:43having this
12:44boost in demand
12:44for senior homes,
12:47retirement villages
12:48or what we call that,
12:49is very hardware centric.
12:51It has beautiful hardware
12:52and yes,
12:54most of the time
12:54they don't have
12:55professional caregivers.
12:56I know some of the projects
12:57that actually
12:58do not want to bring
13:00in professional caregivers
13:01because they don't want
13:02elderly thinking,
13:03oh, I might one day
13:03grow old.
13:04But that's not something
13:05that is inevitable, right?
13:07Aging is something
13:07that's going to happen.
13:09So aside from
13:10the professional caregivers
13:11being available,
13:13another one is
13:13the mindset
13:14of the care recipient
13:17or the future care recipient
13:18when they choose
13:19retirement villages
13:20because this is a demand
13:21and supply method.
13:22If the care recipient
13:24do not look for
13:25a retirement village
13:26that provides them
13:27care services
13:28in the future,
13:29no one's going
13:30to bother about that
13:31and there will be
13:31more projects
13:32that do not have
13:33care services
13:34and ultimately,
13:35even our association,
13:36we have cases
13:37where people move out
13:38from retirement villages
13:39looking for professional
13:41caregivers from our side
13:42because the place
13:43that they stay
13:44do not have
13:45professional services.
13:46Therefore,
13:46this whole concept
13:47of aging in place
13:49cannot actually happen
13:50in these retirement villages.
13:52Understood, understood.
13:53But at the same time,
13:54what we're actually seeing
13:56is that the market itself
13:57is having a small demand curve
14:00for these services.
14:01So it's super interesting
14:02and Chai,
14:03I'd like to move into
14:04actually moving beyond
14:06the medicalization approach
14:08for aging
14:09whereby let's look at
14:11what we can have
14:13as potential policy levers
14:14which reframes aging
14:17as beyond the need
14:19for hospital beds,
14:21diagnoses,
14:22and long-term provisions
14:24but more from the perspective
14:26of economic contribution
14:28and also societal participation
14:30for many of the elderly
14:31who also happen to be
14:33in good enough health
14:34and well-being.
14:36Well, we use the term
14:38quite a lot in gerontology.
14:41We say that
14:41not just adding years to life
14:44but also life to years.
14:46So in that sense,
14:47people tend to think
14:49of old age
14:50as one monolithic block
14:52and it's not quite that.
14:54We actually subdivide it
14:56in conventional terms.
14:58We call it the third age
14:59and the fourth age
15:00and the third age
15:01is a period
15:02where you are released
15:03from obligations
15:04from your main work
15:06and you have free time
15:07to decide
15:07what you want to do
15:09with your life.
15:11And of course,
15:12at this early juncture,
15:13the early retirement,
15:15honeymoon period,
15:16people will travel
15:17and enjoy themselves.
15:20But cost factors aside,
15:22what do you want to do
15:24with the time
15:25that you have
15:26preventing disease
15:28and illnesses
15:29so that you don't slip
15:30into fourth age prematurely?
15:32The question here
15:33for us is that
15:34it's a little bit
15:36like adolescence
15:37in a way.
15:38We call them
15:39the new generations.
15:40So, you know,
15:43there's also never been
15:44in historically
15:45in human civilization,
15:47there's such
15:47an extended period
15:49of young adulthood
15:51where you have
15:52very little responsibilities.
15:53Not to say
15:54less challenges,
15:55but, you know,
15:56you're not obliged
15:57to work, you know,
15:59hand-to-mouth
15:59right from school.
16:02So these extended periods,
16:04you know,
16:04in sociological terms,
16:05we have what we call
16:07a phase of time period
16:10where you can call it
16:11leisurely pursuits.
16:13But I'll be frank,
16:14you know,
16:14it's actually just that
16:15when you have
16:16extended life expectancy,
16:18you know,
16:18you have to ask
16:19the question about
16:20what am I going to do
16:21to fill this time with,
16:22you know,
16:22health permitting,
16:24financing,
16:25and wealth permitting.
16:26But I believe
16:28that this is where
16:29when we look at
16:31the life course approach,
16:32you know,
16:32UNFPA promotes
16:34that quite a bit,
16:35is that we have
16:37these pathways
16:39or trajectories in life.
16:41And as we talk
16:43about marketization
16:44or commodification
16:45of care,
16:46these are all
16:47interlinked transitions,
16:49you know,
16:49in the life course.
16:51And when we look
16:52at what we call
16:53the new retirees
16:54of the future,
16:55we can expect
16:56that they'll be
16:56more educated,
16:58they'll be healthier,
16:59and they probably
16:59have more demands,
17:01you know,
17:01they won't be happy
17:02with your run-of-the-mill
17:03retirement home
17:05or old folks' home.
17:06So this is where
17:07things change
17:08and people have
17:10to realize
17:11that we cannot use
17:12a yardstick
17:13from, let's say,
17:1450 years ago,
17:15you know,
17:15we had old folks' homes
17:16back then,
17:17but therefore,
17:18elderly with no
17:19next of kin,
17:20you know,
17:20it's a form of
17:21issue with abandonment,
17:23but we maintain
17:24the stigma
17:24to this day.
17:26In a sense.
17:26Yeah,
17:27in that sense.
17:27Even though we've
17:28progressed.
17:28Yes.
17:29And, of course,
17:30the market itself
17:31is changing.
17:32In the past,
17:34I would say
17:34it is still
17:35a majority financed
17:36by adult children,
17:38but future cohorts
17:39of the elderly
17:40would have the means
17:41to buy services
17:42for themselves.
17:43So I think
17:44at the end of the day,
17:45these are some
17:46of the changes
17:47that will take place,
17:49but it won't be
17:51plain sailing
17:52or obvious,
17:52because people
17:53cannot imagine
17:54what they have
17:55not seen
17:56or they have
17:56not experienced.
17:58So a lot of time,
17:59a lot of our
17:59persistent dislike
18:02or some perceptions
18:03about certain services
18:04is tied to our
18:06earlier assumptions
18:06of that industry
18:08or that group.
18:09So when we did
18:11University of the Third Age
18:12with UNFPA support,
18:14it starts from
18:15a very basic idea
18:16is that I need
18:17pictures of elderly
18:18that is not sad looking.
18:19I needed some pictures
18:21of the elderly
18:21who are in swimming pool
18:23or exercising.
18:24They have agency,
18:25they are going
18:26about daily activities.
18:28Exactly.
18:29So I think
18:29we have come
18:30a long way
18:31considering the idea
18:33of active aging,
18:34healthy and productive aging.
18:36It's less than 20,
18:3725 years old.
18:38So I think
18:39we have come
18:40a point in time
18:41where some
18:42of our elderly
18:43can say that,
18:44you know,
18:45I look forward
18:45to its retirement.
18:46I have savings,
18:47I have some plans
18:48that I want to carry out.
18:49And speaking of plans
18:51that the elderly
18:52may want to carry out,
18:53Tunku Aira,
18:53if I could ask
18:54for a few quick thoughts
18:55when it comes
18:56to intergenerational equity
18:58and also looking
19:00at the silver economy
19:01as an independent opportunity
19:04to integrate elders
19:06into our social framework
19:07in a way which,
19:09honest to goodness,
19:10we are actually
19:11the very first generation
19:12doing this
19:13on a global scale
19:15since our elderly
19:16now live ubiquitously
19:18beyond their 70s
19:20and well into their 80s too.
19:21This was never common
19:22before in history.
19:23Thank you, Tamina.
19:25Yeah,
19:26I'm really,
19:27you know,
19:27thinking about everything
19:28that Chai was mentioning.
19:29You know,
19:30there's that
19:31negative thought
19:33about
19:33if, you know,
19:35we keep the older persons
19:36in the workforce,
19:38then what happens
19:38to our young people,
19:39they won't get the jobs.
19:40it's not true
19:43that, you know,
19:45there's a certain number
19:46of jobs in the market
19:47and then if somebody
19:49takes it
19:50and then, you know,
19:51you will lose that job,
19:53really.
19:53World bank data
19:54actually shows that
19:56in the employment,
19:57when you employ
19:58more older persons,
19:59you actually have
19:59more employment
20:00for young people.
20:02I mean,
20:02I guess the bottom line
20:04of the message
20:05is that
20:05whatever the population
20:08composition is
20:09of a country,
20:10there is benefit
20:12to what each person
20:13brings to the table
20:14and, you know,
20:16we've experienced it
20:17ourselves in
20:18within our office,
20:19you know,
20:19when we hire
20:20a 70-year-old retiree
20:22and when we hire
20:23a young,
20:25you know,
20:26volunteer,
20:27you know,
20:27at 25 years old,
20:29they both bring
20:30different skills
20:31and assets
20:32to the table.
20:32So,
20:33really there is
20:34many intergenerational
20:36solidarity
20:37and complementary
20:38approaches.
20:40You can have,
20:40you know,
20:41the older person
20:42being a mentor
20:43and we did that
20:44and you can have
20:45the younger generation,
20:46you know,
20:47helping to equip
20:48older persons
20:48to be more IT-savvy,
20:50for example.
20:52Yeah,
20:52so I don't think
20:54we should look
20:55at silver economy
20:56as whatever
20:57the economy is,
20:59whether it's silver
20:59or whether we are
21:00in a composition
21:01of, you know,
21:03majority younger population,
21:04we should leverage
21:06or need
21:07and see the benefits
21:09of how we can
21:09reap the benefits.
21:10There's plenty
21:11of opportunities.
21:12You mentioned about,
21:14you know,
21:14how there can be,
21:17Dr. Melody was
21:18mentioning about
21:18care professionals,
21:19that that should be
21:20a whole new industry
21:22that we can invest in,
21:23right?
21:23So,
21:24if we have more
21:24older population,
21:25why not,
21:27you know,
21:27expand and,
21:28you know,
21:28allow the economy
21:29to grow
21:30and invest in
21:31care professionals.
21:32If it was children,
21:33then yes,
21:34invest in child care.
21:36So,
21:37we should really
21:38be investing
21:38in areas where
21:39it is really
21:41aligned to what
21:41the composition
21:42of the population is.
21:43That should be,
21:45I think,
21:46the mindset
21:46that we should have.
21:48Thanks for the discussion
21:49in so far,
21:49thank you, Aira.
21:50We take a very
21:51quick break now.
21:52Don't go anywhere
21:52as we'll be right back
21:53with Niagara Spotlight,
21:54looking, of course,
21:55at older persons
21:56and their place
21:57in Budget 2026.
22:02Welcome back to Niagara Spotlight.
22:31It's still with me,
22:31Tamina Kausti,
22:32and today we're having
22:33a look at older persons
22:34and their place
22:35under Budget 2026
22:36with a live panel
22:38in the studios.
22:39Dr. Melody,
22:40going straight back
22:41into the conversation
22:42and looking in particular
22:43at quality and trust
22:45in care facilities
22:46for older persons.
22:47Now, of course,
22:48the demand
22:49for elder care services
22:50is rising,
22:51but at the same time,
22:52the inconsistent quality
22:53and also key cases
22:56of neglect,
22:56they do hamper
22:58and dampen
22:58public confidence.
22:59Some initial thoughts
23:01around this.
23:02Right.
23:04Yes, it is unfortunate
23:05that most care homes
23:07struggle to maintain
23:08good standards
23:09despite their good effort,
23:11good intention
23:12to do this.
23:14One of the main reasons,
23:15again,
23:15is back to the fact
23:16that there's no good
23:17professionally trained
23:18caregivers.
23:19Most people say
23:20we can't find them.
23:22They don't,
23:23they're not in Malaysia.
23:24We have to get them
23:25from, you know,
23:26overseas.
23:27And that's why
23:28they most of the time
23:29look for foreign mates
23:31who are clearly not trained
23:32or some who are better,
23:34which are better care homes,
23:35what they do is
23:36they bring in
23:36the medical professionals.
23:37But unfortunately,
23:38what happens is
23:39the price will go up
23:40and sometimes it's harder
23:42for people to afford
23:43because of that.
23:44And our association,
23:45we work closely
23:46with the Japan government.
23:47So we study a lot
23:49of how the Japan
23:50care homes are doing.
23:52Their standards are good,
23:53safe, ethical,
23:54accountable,
23:55and their waiting list
23:55is very long.
23:57So how can they do it
23:58given that they have
24:00actually even lesser
24:01young people?
24:02So one of the things
24:03that they have
24:03is this care philosophy
24:05that they have.
24:06It's called CAIGO.
24:07So what we did was
24:08we brought in
24:09this CAIGO philosophy
24:10and we customized it
24:11into the Malaysian context
24:13and we have been
24:14training people
24:15to do this.
24:16So what CAIGO
24:16really is about
24:17is to return
24:18independence and dignity
24:20to the elderly.
24:21So it's not so much
24:22having more professionals.
24:24Right.
24:24It is having professionals
24:26giving back autonomy
24:27and dignity
24:28back to the elderly
24:28so that the elderly
24:29is still able to do
24:31what he or she is able to do.
24:33So this philosophy,
24:35thankfully,
24:36some of the care homes
24:37have sent their people
24:38to us for training
24:40and it has improved
24:41some of the condition
24:42in their care homes.
24:43But in my honest opinion,
24:45to change this
24:46in a big way in Malaysia
24:48is going to take
24:49a very, very long time.
24:50In fact,
24:50it's quite hard
24:51because most of them
24:52are, you know,
24:53they have certain
24:54considerations
24:54and training
24:55is not their main thing.
24:58And that's why
24:59we are also establishing
25:00some of this
25:01100% CAIGO
25:02method care centres
25:04down the road.
25:05Some of them,
25:06if they don't want
25:07to go for care centres,
25:08the other options
25:08that they go for
25:09is home care,
25:11home care services.
25:12In home, yes.
25:12Yes.
25:13So the association,
25:14what we are also
25:15going to launch
25:15is we have
25:16a Keratin home care project
25:18that this is
25:19under cradle fund
25:20by Mosti.
25:21So this project,
25:22basically what it does
25:23is it has a way
25:25to ensure
25:26that all the caregivers
25:27have decent wages
25:29because most of the time
25:30that's another big issue
25:30why people don't want
25:31to be in this industry
25:32is because
25:32the pay is not good.
25:34Of course.
25:34And it shouldn't
25:36be that way.
25:36So we have came up
25:37with a career
25:38development pathway
25:39such that caregivers
25:41want to get good pay
25:42and they can get
25:43more training
25:44and get more good pay.
25:46Yes.
25:46And also,
25:47one of the things
25:48that we also included
25:49is the fact
25:50that just now
25:51we were mentioning
25:51how the older group
25:53of people,
25:53actually they can also
25:54contribute back
25:55to the workforce.
25:56And Tenggho Aira
25:57mentioned the word mentoring
25:58which is very similar
25:59to what we have.
26:00Our elderly caregivers
26:02or more senior caregivers,
26:04we actually have a system
26:05such that they will mentor
26:06the young ones
26:07and they will actually
26:08get passive income
26:09when they grow old
26:10so that by the time
26:11they are old,
26:12they have enough money
26:13to actually get
26:14care services themselves.
26:16Ah, so it's sort of like,
26:17you know,
26:17building a bank
26:18for your own future.
26:19Yes, yes.
26:20And I think this is
26:21a really different
26:22revolutionary approach.
26:23Of course,
26:24super-aged societies
26:25like Japan
26:25would be the best test beds.
26:28But ideally speaking,
26:29would you say
26:30that perhaps
26:31a mixed method
26:32sort of an approach
26:33might work better
26:34for Malaysia
26:35so that we already have
26:37perhaps a certain segment
26:38of the elderly population
26:39with the demands
26:40for such care
26:41who may be then able
26:42to live more well,
26:44more well on a daily basis
26:46but then also integrating it
26:48with those
26:49who will need it
26:49at a later point in time.
26:51Yes, yes, yes.
26:52So when we brought in
26:53this version from Japan,
26:55we have greatly localized it
26:57because to a certain extent,
26:59Japan,
27:00everybody knows
27:01this common language
27:02and for Malaysian context,
27:04a lot of the public
27:05are still like,
27:05what,
27:06an aging society now?
27:07So this is very new
27:08for most of the people.
27:10So not only suddenly realizing
27:12that I have to take care
27:13of someone,
27:14to teach them
27:15correct care method,
27:16it's going to be
27:16very long down the road
27:18but what we think is
27:20you have to start somewhere.
27:22You have to start
27:22from immediately
27:23having the mindset
27:25to wanting to be prepared
27:27to get trained about this.
27:29There's a lot of things
27:29that we think in life
27:31we should get training.
27:31We should get training
27:32on how to use Microsoft
27:33or whatsoever.
27:34Everything needs training
27:35but somehow taking care
27:36of your elderly
27:37seems to be something
27:38that every generation
27:40should know how to do
27:41but it doesn't work that way
27:42especially when
27:43we are becoming
27:45aging,
27:46then aged,
27:46then super aged.
27:47So in order to also
27:49help the care homes
27:50maintain good standards
27:52is for the care recipient
27:53to also know
27:54what to demand
27:55from the care homes
27:56so that the care homes
27:57can improve their quality
27:58in a way that will
28:00meet the demand
28:01of these people.
28:02Correct,
28:02because what you'd
28:03signaled and shared earlier
28:04which is that
28:05there are a certain
28:06proportion of elderly
28:07who move into
28:08retirement villages
28:09but finding them
28:10somewhat lacking
28:11despite basically
28:12plush facilities
28:13they move back out.
28:15Chai,
28:15moving the conversation
28:16further into looking
28:17at predictive modelling
28:19especially for
28:20crisis prevention.
28:21Now of course
28:22the understanding
28:23is clear that
28:24those who are elderly
28:25will be disproportionately
28:26impacted by everything
28:28from climate-related
28:29events to pandemics
28:31or even economic
28:32realities such as
28:34cost of living
28:35and pressures
28:35and how can
28:37predictive analytics
28:38perhaps even
28:39AI modelling
28:40be able to assist us
28:42in actually identifying
28:43what exactly
28:44we can anticipate
28:46in the near future.
28:47We're talking within
28:48the next three to five years
28:49this is no longer
28:50a decade in the future
28:52or even a generation.
28:54I think what comes
28:55to my mind
28:56is actually
28:57the Sendai framework
28:59where they have
29:00internationally
29:01designed responses
29:03and they did
29:04highlight older persons
29:06as a particularly
29:07vulnerable group.
29:09I think even back
29:09earlier
29:10when we were looking
29:11at disaster relief
29:13management
29:14elderly women
29:15and children
29:16was actually
29:17already highlighted
29:19and targeted
29:19as a key
29:20demographic
29:21that requires
29:23a specific set
29:24of responses
29:25but not to take
29:27anything away
29:28from NADMA
29:29and whatever
29:30responses that
29:31we have
29:31nationally
29:32we have to
29:33understand that
29:34for disaster
29:37relief management
29:37climate change
29:38and all that
29:39we are talking
29:39about communities
29:40so a good
29:42disaster relief
29:43management plan
29:44is only as good
29:45as how well
29:46a community
29:47can be organised
29:48to pre-empt
29:49this information
29:50so sometimes
29:52there are
29:53macro steps
29:54that can be
29:55taken
29:55it's a bit
29:56like what
29:57Dr. Melody
29:57mentioned
29:58about the
29:59professionalism
30:00of the care
30:01workforce
30:01so if you
30:03do not have
30:03for example
30:04a household
30:05registry system
30:06for example
30:07and you do not
30:08know how many
30:09elderly
30:09that are vulnerable
30:10in your area
30:11or your local
30:12government area
30:14then it is
30:15very difficult
30:15to implement
30:16and execute
30:17these what we
30:18call disaster
30:19relief plans
30:20so you will
30:20always take
30:21the local
30:22knowledge
30:22like the
30:23JKKK
30:23or district
30:24officer
30:25who is
30:25actually
30:25aware
30:25that
30:26oh the
30:26Ketuk Kampong
30:27knows that
30:28there is
30:28somebody
30:28who is
30:29immobile
30:29trapped in
30:30their homes
30:31and we need
30:31to get to
30:32them first
30:33so I suppose
30:34this is where
30:35it is not a
30:37wholesale
30:37kind of thing
30:38where we can
30:39say that we
30:39can implement
30:40the Sendai
30:41framework
30:42and then we
30:42say that
30:43our job
30:43is done
30:44a lot of
30:45it is actually
30:45statecraft
30:46I use that
30:47term very loosely
30:48because as
30:50a country
30:50grows and
30:51develop with
30:51all these
30:52new tools
30:53that you
30:53are mentioning
30:53about AI
30:54we are not
30:55even on
30:56the AI
30:57level
30:57the utilisation
30:58of our
30:59IC for
30:59aid is
31:00actually
31:00something that
31:01has been
31:01around for
31:02ages
31:03but the
31:04concern
31:05and now once
31:06we implement
31:07it we learn
31:07some lessons
31:08right as
31:09recent as a
31:10few days ago
31:11there was
31:11already a
31:12fraud case
31:12of most
31:14likely a
31:14card cloning
31:15incident where
31:16they clone
31:17the IC
31:17so they
31:19have been
31:19spending that
31:19100 ringgit
31:20for them
31:21and when
31:21the person
31:21went to
31:22the shopping
31:22market
31:22they didn't
31:23have it
31:23for themselves
31:24so that is
31:26why I say
31:27that at the
31:27end of the
31:28day these
31:28things are
31:29processed so
31:29whether it's
31:30disaster relief
31:31or care
31:31economy that
31:33the government
31:33is planning
31:33and working
31:34on it will
31:35take us
31:36some time
31:36to fine
31:37tune the
31:38mechanism
31:38and I
31:40believe the
31:40same is
31:41happening now
31:42for the
31:43energy subsidy
31:44fuel subsidy
31:45that's happening
31:45so I
31:46think as
31:47Ira mentioned
31:48targeting is
31:49important
31:49we can do
31:50better if we
31:51have more
31:51precise targeting
31:53that's why
31:53household
31:54registration
31:54systems and
31:55all these are
31:56part of the
31:57design and
31:57language for
31:58public policy
31:59absolutely
32:00and also
32:01perhaps referencing
32:02the recent
32:03floods which
32:05occurred in
32:05Sabah and
32:06also the
32:06historic level
32:08of landslides
32:09etc that could
32:10also be an
32:11interesting model
32:12to at a
32:13ground level
32:13on a localized
32:14state level
32:15to then
32:16track which
32:17of the
32:18affected
32:19villages
32:19actually lost
32:20healthcare
32:20access
32:21how many
32:22elderly were
32:22affected
32:23because that
32:23can actually
32:24go into
32:24your logbooks
32:25which hopefully
32:26in the near
32:26future can be
32:27digitized and
32:28then lead to
32:29at least a
32:29statewide approach
32:31the good news
32:32is we are very
32:32close
32:33because we have
32:34unlike many
32:35countries we
32:35have a national
32:36identity card
32:37system
32:38theoretically the
32:39address is
32:39supposed to
32:40match
32:40but this is
32:43why I say
32:43that we are
32:43very close
32:44these are
32:45tools that
32:45are being
32:45utilized now
32:46and we are
32:46seeing it
32:47happening
32:47so we are
32:49seeing things
32:49happen and
32:50going a little
32:51deeper into
32:52the lessons
32:53that we have
32:53to learn from
32:54regional and
32:55even global
32:55examples but
32:56matching them
32:57to our local
32:57realities
32:58as Dr.
33:00Melody had
33:00mentioned earlier
33:01looking at
33:01Japan's model
33:02or perhaps even
33:03neighboring Singapore
33:04so they do
33:05have a lot of
33:05advanced aging
33:06policies which
33:07are then supported
33:09by very strong
33:10social safety nets
33:11high public
33:12investment
33:12what could
33:14Malaysia take
33:14away from
33:15that and
33:15also adapt
33:17so that it
33:18best fits
33:18our local
33:20realities
33:20yeah
33:21you know that
33:22point about
33:23what Dr.
33:23Melody was
33:24mentioning about
33:25going into
33:26the homes and
33:27then coming
33:28back out
33:28I mean I
33:29think that is
33:29an example
33:30of probably
33:31not fit
33:32to our
33:33social cultural
33:34norm and
33:34the point about
33:36how I think
33:37we still
33:38given the
33:39current social
33:40cultural context
33:41we still prefer
33:41to age in
33:42place
33:42and you
33:44know that
33:44what did you
33:46mention home
33:46care right
33:47so that is
33:47something that
33:48we definitely
33:48can learn from
33:49Singapore
33:49we had
33:51before
33:51piloted the
33:54aging friendly
33:55city
33:55in Taiping
33:57with my
33:58aging I
33:59remember
33:59you had
34:00that so
34:01I mean
34:01these are
34:01the kinds
34:02of initiative
34:02where you
34:03look at
34:03to help
34:05people still
34:05age in
34:05place but
34:06allow
34:07community-based
34:08interventions
34:09those are
34:09the kinds
34:09of things
34:10that Singapore
34:11has you
34:12know invested
34:12in and
34:13so everything
34:14is age friendly
34:15infrastructures
34:16everything is
34:16in place so
34:17that you
34:17can still
34:18find ways
34:19to do
34:19things
34:20independently
34:20because
34:22the idea
34:23of going
34:23into homes
34:24for a lot
34:25of us
34:25we still
34:26feel like
34:26something
34:28that you
34:29shy away
34:29from or
34:30it's a
34:30stigma or
34:31from the
34:32family concept
34:33that we
34:33have it
34:34feels as
34:35though you
34:36know you
34:36don't want to
34:36care for your
34:37parents anymore
34:38when that
34:38can actually
34:39it's actually
34:40on the
34:40contrary
34:40sometimes
34:41when people
34:41weigh all
34:42the options
34:42and as
34:43Dr. Melody
34:44was saying
34:45that you
34:45need skills
34:46as well
34:46especially
34:47if there
34:47are particular
34:48severe
34:48illnesses
34:49and so
34:50forth
34:50you also
34:51have to
34:51be in
34:52the labour
34:52force
34:52when you
34:53weigh all
34:53of the
34:54options
34:54and you
34:55know
34:55perhaps
34:55if you
34:55also have
34:56your own
34:56young
34:56family to
34:57raise
34:57the sand
34:58generation
34:59crisis
34:59capacity
35:00and resources
35:00within all
35:01of that
35:01sometimes
35:02the best
35:02option is
35:03to actually
35:04send them
35:04to homes
35:05but then
35:06people have
35:06this negative
35:07idea we're
35:07not yet in
35:08a situation
35:08where we
35:09feel that
35:10you know
35:10this is
35:11something
35:11acceptable
35:12but I
35:12think if
35:13I can also
35:14highlight another
35:15thing in
35:15terms of
35:16the cost
35:18that we
35:19are you
35:20know
35:20facing
35:22with when
35:23you have
35:23a lot of
35:24care burden
35:24you know
35:25in a bigger
35:27country being
35:27an aged
35:28nation
35:28it comes
35:28with a
35:29high cost
35:29and you
35:30mentioned
35:30public
35:31investment
35:31perhaps
35:32perhaps we
35:32can learn
35:32something
35:33from
35:33Japan
35:34where
35:34they
35:34actually
35:35encourage
35:36private
35:37investment
35:37we should
35:38leverage
35:39on
35:39private
35:40sector
35:40their capacity
35:41to invest
35:42in this
35:42industry
35:43they have
35:45a national
35:45long-term
35:46care
35:47insurance
35:48right
35:48yeah
35:49maybe
35:49you know
35:50that could
35:50be something
35:51that we
35:51should probably
35:52learn from
35:53Japan
35:53for example
35:54that
35:54if we get
35:55the private
35:55sector to
35:56invest as well
35:57and provide
35:57this sort
35:58of
35:58insurance
35:59currently
36:00I think
36:01if you have
36:02older parents
36:03you know
36:03that
36:03up until
36:0475
36:05and then
36:05after that
36:06you're
36:06probably
36:07no longer
36:07eligible
36:07if you
36:08have
36:08some
36:09severe
36:09illness
36:10and then
36:10you may
36:11not be
36:11eligible
36:12after
36:13you know
36:14a big
36:15surgery
36:16operations
36:17and so
36:17forth
36:17so
36:17we do
36:18need
36:18to
36:19it would
36:19be great
36:20if we
36:20can
36:20actually
36:21reform
36:21the
36:22legal
36:22landscape
36:22to
36:23actually
36:23allow
36:25the
36:25insurance
36:26companies
36:27to
36:27provide
36:28for this
36:30market
36:30and make
36:31it
36:31competitive
36:32maybe
36:32some
36:33kind
36:33of
36:33incentive
36:34for
36:35the
36:35companies
36:36who
36:37invest
36:37in
36:38this
36:38coverage
36:39for
36:39older
36:39persons
36:40so
36:40yeah
36:41and perhaps
36:41even
36:42hybrid
36:43models
36:43that
36:43actually
36:44are
36:44a
36:44combination
36:44of
36:45public
36:45private
36:46voluntary
36:47perhaps
36:47or even
36:48commercial
36:48all of that
36:49coming together
36:50it does not
36:50have to be
36:51something
36:51that's
36:51nationwide
36:52rollout
36:53maybe you
36:53could just
36:54seed it
36:54in perhaps
36:55three states
36:55where it's
36:56most appropriate
36:57they have
36:57now
36:58life and
36:59health
36:59insurance
37:00I've
37:01invested
37:01in it
37:02so you
37:02kind of
37:03both
37:03it's an
37:04investment
37:04and also
37:05investment
37:05for old
37:06age
37:06but I
37:06think we
37:07should
37:07expand
37:07further
37:08up to
37:0970
37:10so let's
37:12look at
37:13it from
37:13the
37:13mass
37:14care
37:14perspective
37:14when it
37:15comes to
37:16the
37:16silver
37:16economy
37:17and
37:17actually
37:18ensuring
37:18that we
37:19have
37:19a
37:20market
37:21available
37:21for
37:21age
37:22friendly
37:22innovations
37:23where
37:23elders
37:24can also
37:24participate
37:25but at the
37:26same time
37:26cautioning
37:27against
37:27what the
37:28usual
37:28areas
37:29are
37:29which
37:29are
37:29potential
37:30for
37:31exploitation
37:31or
37:32even
37:32elder
37:32abuse
37:33okay
37:33so
37:34before we
37:35even talk
37:36about
37:36unlocking
37:36silver
37:37economy
37:37again
37:38I have
37:38to say
37:39most
37:39people
37:39don't
37:40know
37:40what
37:40that
37:40is
37:40we
37:42are
37:42still
37:42doing
37:43a lot
37:43of
37:43public
37:43awareness
37:44now
37:44to help
37:44people
37:45understand
37:45what
37:46this
37:46is
37:46so
37:46in
37:48fact
37:48when
37:49we
37:49run
37:49a
37:49program
37:50or
37:50two
37:50every
37:51time
37:51we
37:51run
37:51a
37:51single
37:52program
37:52the
37:52people
37:52who
37:52come
37:53are
37:53100
37:53over
37:53people
37:54so
37:54we
37:54run
37:55programs
37:55very
37:55often
37:56so
37:56we
37:57have
37:57in
37:57our
37:57database
37:57thousands
37:58over
37:58people
37:59who
37:59are
37:59actually
37:59looking
38:00for
38:00age
38:00friendly
38:01innovations
38:01they
38:02always
38:02come
38:02to
38:02association
38:03and ask
38:03so
38:04what
38:04do
38:04I
38:04buy
38:04where
38:05do
38:05I
38:05go
38:05to
38:05and
38:06etc
38:06is
38:06this
38:07correct
38:07should
38:08I
38:08invest
38:08in
38:08that
38:08but
38:10the
38:10problem
38:10is
38:10when
38:12we
38:12look
38:12at
38:12the
38:12corporate
38:12which
38:13are
38:13trying
38:13some
38:14of
38:14them
38:14can
38:14see
38:15this
38:15trend
38:15and
38:16they
38:16are
38:16like
38:16let's
38:16come
38:16out
38:17with
38:17age
38:17friendly
38:17innovations
38:18but
38:19sometimes
38:20what
38:20happens
38:20is
38:21the
38:21corporate
38:21comes
38:21out
38:21with
38:22such
38:22products
38:23or
38:24services
38:24and
38:25their
38:26staff
38:26actually
38:27don't
38:27know
38:27what
38:27that
38:27is
38:28they
38:28are
38:29not
38:29trained
38:29to
38:29use
38:29it
38:30they
38:30don't
38:30know
38:30how
38:30to
38:30sell
38:31it
38:31and
38:31they
38:31don't
38:31know
38:32how
38:32to
38:32explain
38:32to
38:32the
38:32clients
38:33even
38:33and
38:34some
38:35on
38:35the
38:35other
38:35hand
38:35are
38:36corporates
38:36who
38:36they
38:37have
38:37the
38:38potential
38:38to
38:38come
38:38with
38:39age
38:39friendly
38:39innovations
38:40but
38:40they
38:41are
38:41struggling
38:41with
38:41internal
38:42battles
38:42what
38:43I
38:43mean
38:43is
38:43their
38:44staff
38:44are
38:44going
38:44through
38:45a
38:46stage
38:46where
38:47they
38:47have
38:47to
38:47take
38:47care
38:47of
38:48their
38:48elderly
38:48parents
38:49and
38:49they
38:49are
38:49leaving
38:49the
38:49workforce
38:50so
38:50they
38:50are
38:51struggling
38:52to
38:52retain
38:52their
38:53senior
38:53good
38:54workforce
38:54who
38:55is
38:55there
38:55to
38:55help
38:56them
38:56with
38:56the
38:56age
38:56friendly
38:57innovations
38:57so
38:58what
38:58our
38:58association
38:58has
38:59been
38:59doing
38:59is
38:59we
38:59have
39:00been
39:00giving
39:00training
39:01to
39:01people
39:02so
39:02that
39:02they
39:02can
39:02firstly
39:03retain
39:03the
39:03people
39:03they
39:04get
39:04caught
39:07in
39:07a
39:07shock
39:07now
39:13company
39:14and
39:14then
39:15help
39:15the
39:15company
39:16move
39:16into
39:16coming
39:17on
39:17with
39:17age
39:17friendly
39:17innovations
39:18so
39:20I
39:21think
39:21it's
39:21really
39:21interesting
39:22that
39:22what
39:23we're
39:23actually
39:23seeing
39:24is
39:24these
39:24growing
39:25pains
39:25and
39:25also
39:26transition
39:26between
39:27the
39:27generation
39:27pains
39:28when
39:28it
39:29comes
39:29to
39:29those
39:30who
39:30are
39:30part
39:30of
39:30this
39:31workforce
39:31for
39:32elderly
39:32care
39:32I
39:33wonder
39:33if
39:33you
39:33might
39:34have
39:34some
39:34insights
39:35to
39:35share
39:35with
39:36us
39:36about
39:36the
39:37Perak
39:37State
39:38Government
39:38and
39:39you
39:39are
39:39working
39:40in
39:40your
39:43person
39:44about
39:44their
39:45upcoming
39:46elderly
39:47friendly
39:47rating
39:48system
39:48what
39:49is
39:49that
39:49looking
39:50like
39:50on
39:50a
39:51state
39:51based
39:51level
39:51for
39:52Perak
39:52so
39:52yes
39:53we
39:53work
39:53very
39:54closely
39:54with
39:54the
39:54Perak
39:54State
39:55Government
39:55especially
39:55the
39:56Perak
39:56Housing
39:56and
39:57Local
39:57Government
39:57Committee
39:58Chairperson
39:59we
40:00actually
40:01went to
40:01Japan
40:02together
40:02with
40:02them
40:02to
40:03see
40:04what
40:04they
40:04do
40:05how
40:05we
40:05can
40:05bring
40:06what's
40:07good
40:07from
40:07Japan
40:08back
40:08to
40:08Perak
40:08State
40:09and
40:09through
40:10them
40:10we
40:10brief
40:11all
40:11the
40:11local
40:11authorities
40:12in
40:12Perak
40:13on
40:13cargo
40:13friendly
40:14housing
40:14and
40:15we
40:15also
40:15conducted
40:16age
40:16friendly
40:16and
40:17safety
40:17checks
40:17on
40:18the
40:18government
40:18housing
40:18we
40:19tell
40:19them
40:19this
40:20part
40:20needs
40:20to
40:20change
40:21to
40:21prevent
40:22falls
40:22prevent
40:23all
40:23the
40:24unnecessary
40:24or
40:25avoidable
40:26accidents
40:26for
40:27the
40:27elderly
40:27and
40:28together
40:28with
40:29them
40:29we
40:29designed
40:29an
40:30objective
40:31assessment
40:31tool
40:32to
40:32rate
40:32good
40:33or
40:33bad
40:33housing
40:34for
40:34seniors
40:35it's
40:35something
40:35called
40:35sila
40:36masuk
40:36so
40:37it's
40:37welcome
40:37inside
40:38so
40:38this
40:39will
40:41housing
40:42is
40:42actually
40:43good
40:43or
40:43not
40:43for
40:44an
40:44elderly
40:44so
40:45if
40:45I
40:45were
40:45to
40:46go
40:46in
40:47a bit
40:47about
40:48this
40:48sila
40:48so
40:48sila
40:49actually
40:49in full
40:49it means
40:50safety
40:50inclusivity
40:52livability
40:53assessment
40:53so
40:54this
40:54is
40:55an
40:55assessment
40:56tool
40:56that
40:56our
40:56association
40:57has
40:57developed
40:58so
40:59give me
41:00some
41:00time
41:01to
41:01break
41:01it
41:01down
41:01so
41:02for
41:02safe
41:02is
41:03the
41:03home
41:03design
41:03and
41:04hardware
41:04made
41:04to
41:05enhance
41:05elderly
41:05safety
41:06example
41:06hand
41:06rail
41:07safety
41:08bar
41:08in
41:08the
41:08toilet
41:09all
41:09the
41:10basics
41:10that
41:10you
41:10need
41:11for
41:11mobility
41:12and
41:12then
41:13the
41:13second
41:13one
41:13is
41:13inclusive
41:14are
41:14there
41:15social
41:15activities
41:15for
41:15the
41:16elderly
41:16to
41:16participate
41:16if
41:17they
41:17stay
41:17in
41:17the
41:17neighbourhood
41:17does
41:18JMB
41:18know
41:19what
41:19to
41:19do
41:19or
41:21will
41:21they
41:21be
41:22stuck
41:22at
41:23home
41:23which
41:23is
41:23what
41:24happens
41:24in
41:24a lot
41:25of
41:25emptiness
41:25situations
41:27now
41:27for
41:28livable
41:28is
41:28when
41:29the
41:29elderly
41:29get
41:30old
41:30and
41:30need
41:30care
41:31do
41:31they
41:31need
41:31to
41:31move
41:31up
41:32where
41:32do
41:32they
41:32move
41:39provided
41:40so
41:40this
41:40is
41:41an
41:41assessment
41:41that
41:42we
41:42are
41:42currently
41:42giving
41:43it
41:44is
41:44on
41:44a
41:45regular
41:45annual
41:46basis
41:46and
41:47we
41:47are
41:47promoting
41:47to
41:48developers
41:48as
41:48well
41:49to
41:49continue
41:49taking
41:51this
41:51up
41:51because
41:52it
41:52will
41:52help
41:52developers
41:53in
41:53terms
41:54of
41:54what
41:54they
41:54want
41:55to
41:55go
41:55into
41:56this
41:56retirement
41:56friendly
41:57properties
41:58and
41:58etc
41:58Thank
41:59you
41:59very
42:00much
42:00for
42:00those
42:00insights
42:01not
42:01just
42:01Dr
42:01Melody
42:02but
42:02Tunku
42:02Aira
42:02as
42:03well
42:03as
42:03Chai
42:03well
42:04as
42:05we
42:05head
42:05into
42:05the
42:06tabling
42:06of
42:06Budget
42:062026
42:07later
42:07today
42:08a
42:08truly
42:08Madani
42:09economy
42:09leaves
42:09no
42:10generation
42:10behind
42:11and
42:11hopefully
42:11this
42:11is
42:11what
42:12the
42:12budget
42:12will
42:12reflect
42:13not
42:13the
42:14young
42:14striving
42:14to
42:14build
42:14nor
42:15the
42:15elders
42:15who
42:15built
42:16before
42:16us
42:16I'm
42:17Tamina
42:17Kausji
42:17signing
42:18off
42:18for
42:18now
42:18here's
42:19to
42:19a
42:19productive
42:19week
42:20ahead
42:35to
42:36to
42:37to
42:37to
42:38to
42:38to
42:39to
42:39to
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