Towards a quality education for all

This document summarises the recommendations being proposed in the NCF and examines the implications of such recommendations. There can only be a meaningful strategy for the implementation of the NCF once the recommendations are debated and the full impact of their implications understood. This process of consultation needs to include all stakeholders in a professionally engaging manner. Moreover, the consultation and implementation strategies need to be based on the full understanding of a change management process. This document will therefore map out the way forward by presenting: • a summary of the recommendations being proposed by the NCF; • implications of these recommendations for implementation; • ideas about the management of change which underpin the consultation and implementation strategies the NCF would like to promote; • a strategy for the consultation process following the publication of the draft NCF; and • a proposed timeline for the implementation process of the NCF, following consultation and agreement with the wider educational community about the way forward.peer-reviewe

The role of financial regulator in protecting bank consumers from unfair contract terms: the case of Malaysian Islamic banks

This chapter aims to examine Bank Negara Malaysia’s (BNM) approach in fulfilling its financial consumer protection mandate from unfair contract terms and the statutory framework relevant for consumer protection in the domestic market. This is a qualitative-based research. Using content analysis, this study analyses BNM’s Financial Stability and Payment Systems Report from 2012 to 2016, specifically on the ‘market conduct and consumer empowerment’ to explore BNM’s prudential regulatory, supervisory and consumer protection roles in protecting bank consumers from unfair contract terms. It is found that even if a number of standards and guidelines have been issued by BNM in improving ‘fairness and transparency’, the potential risk facing bank consumers from unfair terms in standard consumer contracts of Islamic banks especially where terms may be unfair or unclear remains unchanged. This study recommends that BNM as the Central Bank and financial regulator of Malaysia promotes self-regulation of the Islamic banks by adopting value-based banking of a consumer-focussed culture in delivering an effective protection for consumers from unfair contract terms and empowering them in their dealings with Islamic banks in Malaysia. This study will be helpful in bringing a policy formulation by BNM in identifying their weak areas and suggesting improvements in pursuing a strong consumer protection agenda from unfair contract terms

Impacts of drinking-age legislation on alcohol-impaired driving crimes among young people in Canada, 2009-13

Background and aim: In Canada, the minimum legal drinking age (MLDA) is 18 years in Alberta, Manitoba and Québec and 19 in the rest of the country. Given that public health organizations have not only recommended increasing the MLDA to 19 years, but also have identified 21 years as ideal, the current study tested whether drivers slightly older than the MLDA had significant and abrupt increases in alcohol-impaired driving (AID) crimes, compared with their counterparts just younger than the MLDA. Design: Regression–discontinuity approach. Setting: Canada. Sample: AID criminal incidents by drivers aged 15–23 years (female, n = 10 706; male, n = 44 973). Measurements: Police-reported AID incidents from the Canadian 2009–13 Uniform Crime Reporting Survey. Findings: Significant gender × MLDA effects supported gender-specific models. Compared with males slightly younger than the MLDA, those just older had abrupt increases in AID incidents of 42.8% [95% confidence interval (CI) = 20.4–66.3%, P < 0.001], 28.1% (95% CI = 16.0–40.7%, P < 0.001) and 35.1% (95% CI = 22.4–48.4%, P < 0.001) in provinces with an MLDA of 18 years, 19 years and across the country, respectively. Among females, AID incidents increased by 39.9% (95% CI = 1.9–79.6%, P = 0.040) in provinces with an MLDA of 18 years, and by 19.4% (95% CI = 2.1–37.4%, P = 0.028) at the national level. Conclusion: Release from drinking-age restrictions appears to be associated with increases in alcohol-impaired driving offenses among young drivers in Canada, ranging from 28 to 43% among males and from 19 to 40% among females