the state of households
TRANSCRIPT
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01KHAZANAH RESEARCH INSTITUTE
THE STATEOF HOUSEHOLDS
NOVEMBER
2014
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02 KHAZANAH RESEARCH INSTITUTE
2014 Khazanah Research Institute
November 2014
Perpustakaan Negara Malaysia Cataloguing-in-Publication Data
The state of households. Kuala Lumpur, Malaysia:
Khazanah Research Institute
1. Public policy Malaysia. 2. Income distribution Malaysia.
3. Affordable housing Malaysia. 4. Equality. 5. Trade. 6. Investment.
I. Title: The state of households. II. Khazanah Research Institute.
ISBN 978-967-12929
This work is available under the Creative Commons Attribution 3.0 Unported license (CC
BY3.0) http://creativecommons.org/licenses/by/3.0/. Under the Creative Commons
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including for commercial purposes, under the following attributions:
Attribution Please cite the work as follows: Khazanah Research Institute. 2014. The
State of Households. Kuala Lumpur: Khazanah Research Institute. License: Creative
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all the charts in this report, where the underlying data can also be
downloaded. If you are reading this on the PDF version, the charts link
directly to our website.
CONTENTS
ABBREVIATIONS
INTRODUCTION
The state of households 01
The Malaysian workforce 01
Trade and investment 01
policies
SECTION 01
SECTION
THE STATE OF HOUSEHOLDS
The state of households 03Its all about the households 03
About households 07
Rich and poor states 08
GDP is not household income 09
Deprived households 11
The states of the north: 12
Perlis, Kedah, Kelantan
and TerengganuThere is an ethnic, 13
urban-rural and gender divide
Unequal household incomes 14
Household expenditure 17
Unequal spending 17
Unequal food 18
The price of food 20
02
- i -
Housing and debt 22
Affordable housing should 22
cost 3x annual median income
Low income households, 24
high levels of consumerismThe scourge of 25
ansuran mudah
Household debt reform 27
Inequality 28
Wealth inequality 28
We have been improving 30
income distribution
Perception and reality 30Inequality matters 32
Market and net inequality 32
Subsidies and cash transfers 34
Tackling net inequality 34
Cash transfers are not new 35
Corporate welfare 37
Reforming the fuel subsidy 39
system
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04 KHAZANAH RESEARCH INSTITUTE
SECTION
TRADE AND INVESTMENTPOLICIES
Promoting the right 53investments
Its the value-added 54
The losers from free trade 54
RCEP 55
Does the government 56know best? Does business?
04
CONCLUSIONS ANDPRELIMINARY POLICYRECOMMENDATIONS
Conclusions 59
Preliminary policy 60recommendations
SECTION
05
SOURCES ANDREFERENCES
APPENDIX
IMF redistribution 62
policy options
63
- ii -
CONTENTS
SECTION
THE MALAYSIAN WORKFORCE
Low pay, high proits 42
Our workforce 43
How educated are 45our workers?
Unemployed graduates 46
Our economy needs 47migrant workers
1 in 6 children do not 48
get to Form 4 Low wage equilibrium 51
03
CHARTS
1 Growth of Malaysian 03
Nominal GDP and GDPper person 1980-2013
2 Annualised Nominal 04 Growth Rates 1995-2012 (percentage)
3 Average and Median 04 Monthly Household Income 1995-2012 (RM)
4a Growth of GDP per person 05 and Nominal Average
Household Income1979-2012
4b Growth of Real 05 Household Income and
Real GDP per person1995-2012
5 Population of Malaysia 07 by State in 2010 (m)
5a Persons per Household 07
5b Ethnicity of 07 Household Head
5c Gender of 07 Household Head
5d Location of Household 07
6 Nominal GDP per person 08 in 2012 (USD)
7 Nominal GDP by Malaysian 09 States in 2012 (RM b)
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CHARTS
8 Median and Average 10 Monthly Household
Income and GDP perHousehold per Month
in 2012 (RM)
9a Percentage of Households 11 that have Electricity,
Schools and Public Health in 2012
9b Percentage of Rural and 11 Urban Households that
have Pipe Water andTandas Curah in 2012
10 Characteristics of 12 Households by Median
Household Income,Ethnicity, Ownership ofTandas Curah and Stratain 2012
11 Average Household 13 Incomes by Ethnicity,
Strata and Gender in2012 (RM)
12 Percentage Distribution 14 of Households in Each
Income Category in 2012:Malaysia and by ethnicityof the household head
12a Bumiputera 15
12b Chinese 15
12c Indian 1512d Others 15
13 Percentage Monthly 18 Spend on Goods &
Services by Expenditure Category in 2010 (RM)
14 Monthly Spend of 20 Households on Different
Food Groups (in Orderof Amount Spent) by
Expenditure Category in 2010 (RM)
15 Chicken Prices 21 2012-2014 YTD
16a Ownership of Vehicles 24 by Percentage of
Households by Statein 2012
16b Ownership of Electrical 24Appliances by Percentage of
Households by State in 2012
16c Ownership of TV, Astro, 25 Mobile Phone, Internet and
VCD/DVD by Percentage ofHouseholds by State in 2012
17 Income Share by Income 30 Group 1984 and 2012
18 No. of Households per 31Household IncomeCategory in 2012(thousands)
19 Redistribution: The Top 33 25% and the Bottom 75%
20 Government Subsidy 37Expenditure for LPG,
Diesel and Petrol2000-2013 (RM b)
21 Gas Price Subsidies in 37 Malaysia by PETRONAS (RM b)
22 Share of Salaries and 42 Wages, % GDP in 2011
23 Growth of Wages 43 and Productivity
24a Median Salary/Wages 43 by Education
24b Median Wages and 44Employment by Occupation
25 Educational Attainment in 45 the Workforce 1982-2012
26 Highest Level of Education 46 Attained in the Workforce: Grouped country
comparison in 2012
27 Out of Every 100 Children 48
in a Cohort of 6 Year Olds
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1 Nominal GDP per person 03
for Middle Income
Countries in 2012
2 Nominal GDP per person 08
by State in 2013 (RM)
3 Individual Wages by 16
Ethnicity and Strata
in 2013
4 Monthly Spend of 19
Households on Rice, Meat
and Fish & Seafood byExpenditure Category
in 2010 (RM)
5 Housing Prices as a 22
Multiple of Annual Median
Income
6 Housing Affordability of 23
Malaysians in 2012
7a True Annual Percentage 26
Rate (APR) Calculations for
Consumer Durables
7b Published APR 26
7c True APR Calculations 26
for Cars
8 No. of Luxury Cars 29
Sold in 2013 by
Oficial Distributors
9 No. of Households per 31Household Income
Category in 2012 (thousands)
10 BR1M Payments and 36
Total Costs
11 Vehicles by Speciications 39
and Total Fuel Subsidy
12 Salaries and Beneits, % 42
of EBIDTA across Countries
13 Employment Status 47
of 2012 Graduates
14 Effect of Migrant 48Workers Hired on Native
Jobs and Wages
15 Secondary Schools 49
and TVET Numbers and
Enrolment
TABLES
Youth and Serious Crimes 50
in Malaysia
BOX ARTICLE
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This report was prepared by the Managing Director and the researchersof the Khazanah Research Institute, namely: Charon bin Mokhzani, DrMuhammed Abdul Khalid, Dr Suraya Ismail, Wan Khatina Wan MohdNawawi, Intan Nadia Jalil, Junaidi Mansor, Adriana Nordin Manan,Aidonna Jan Ayub, Yap Gin Bee, Adibah Abdulhadi, Grace Chang, andPuteri Marjan Megat Muzafar.
We would also like to thank the Employees Provident Fund (EPF), whokindly shared with us their unpublished anonymized data on the incomesand savings of their members.
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ABBREVIATIONS
ADBI : Asian Development Bank InstituteAPR : Annual Percentage Rate
b : billionBNM : Bank Negara MalaysiaBR1M : Bantuan Rakyat 1MalaysiaCAGR : Compound Annual Growth RateDoS : Department of Statistics, MalaysiaEPF : Employees Provident Fund, MalaysiaFAMA : Federal Agriculture Marketing Authority, MalaysiaFAO : Food and Agricultural Organisation of the United NationsFDI : Foreign Direct InvestmentGDP : Gross Domestic ProductGST : Goods and Services Tax
ILO : International Labour OrganizationITUC : International Trade Union ConfederationLPG : Liqueied Petroleum Gask : thousandkm : kilometresm : millionMGI : McKinsey Global InstituteMIDA : Malaysian Investment Development AuthorityMOE : Ministry of Education, MalaysiaMOF : Ministry of Finance, MalaysiaMOHE : Ministry of Higher Education, Malaysia
NAPIC : National Property Information CentreNEAC : National Economic Advisory CouncilOPEC : Organisation of the Petroleum Exporting CountriesPMR : Penilaian Menengah RendahRM : Malaysian RinggitRCEP : Regional Comprehensive Economic PartnershipSGD : Singaporean DollarSMEs : Small and Medium EnterprisesSPM : Sijil Pelajaran MalaysiaSTPM : Sijil Tinggi Pelajaran MalaysiaTiVA : Trade in Value-Added
TVET : Technical and Vocational Education and TrainingTPPA : Trans-Paciic Partnership AgreementUSD : US Dollar
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08 KHAZANAH RESEARCH INSTITUTE
SECTION
01INTRODUCTION
The state of households 01
The Malaysian workforce 01
Trade and investment 01
policies
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01KHAZANAH RESEARCH INSTITUTE
INTRODUCTION
This report sets out some of the pressing issues of the nation that theKhazanah Research Institute is investigating and will provide policyrecommendations on.
We examine:
The state of householdsAn understanding of Malaysian households is key to understanding theissues that we face as a nation. This report looks at:
the disparity and distribution of household incomes household expenditure and the impact of rising food prices housing affordability and household debt subsidy reform and the use of cash transfers.
The Malaysian workforceThe income earners in most households are salaried workers and so thisreport sets out:
the composition of our workforce and the wage structure the effect of migrant labour the education attainment and skills levels of our workforce.
Trade and investment policies
Raising household incomes among other things requires the appropriatetrade and investment policies. This report looks at:
trade and investment policies that could lead to higher wages andhousehold incomes, as well as less inequality
advantages of the Regional Comprehensive Economic Partnership(RCEP).
These are by no means the only pressing issues of our nation. For example,creating high-income jobs will also need innovation and entrepreneurship,
which we do not address directly here.
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THE STATE OF HOUSEHOLDS
The state of households 03
Its all about the households 03
About households 07
Rich and poor states 08
GDP is not household income 09
Deprived households 11
The states of the 12
north: Perlis, Kedah, Kelantan and
Terengganu
There is an ethnic, 13
urban-rural and gender divide
Unequal household incomes 14
Household expenditure 17
Unequal spending 17
Unequal food 18
The price of food 20
Housing and debt 22
Affordable housing should 22
cost 3x annual median income
Low income households, 24
high levels of consumerism
The scourge of 25
ansuran mudah
Household debt reform 27Inequality 28
Wealth inequality 28
We have been improving 30
income distribution
Perception and reality 30
Inequality matters 32
Market and net inequality 32
Subsidies and cash transfers 34Tackling net inequality 34
Cash transfers are not new 35
Corporate welfare 37
Reforming the fuel 39
subsidy system
SECTION
02
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03KHAZANAH RESEARCH INSTITUTE
Its all about the householdsMalaysia can rightfully be proud of its economic transformation.
Our nominal GDP has grown 17.5x from RM53.3b in 1980 to RM984.5b
in 2013, while nominal GDP per person grew 7.8 times from RM3,841 toRM32,984 during the same period.
Table 1: Nominal GDP per person for Middle
Income Countries in 20121
Country USD
Argentina 11,573
Brazil 11,340
Turkey 10,666
Malaysia 10,432
World 10,318
Mexico 9,749
Costa Rica 9,386
East Asia & Pacic 9,040
Upper middle income 7,285
THE STATE OF HOUSEHOLDS
Chart 1: Growth of Malaysian Nominal GDP
and GDP per person 1980-20132
High GDP per person does not however always translate into high
household incomes and high average income can be distorted by theincomes of the very well-off. The better measure is median householdincome, the half-way mark. Our median household income, like our GDPper person, is one of the highest in Asia after the developed nations (Japan,Singapore, South Korea and Taiwan).
1,800
1,600
Indexedvalue
(1980=100)
1,400
1,200
1,000800
600
400
200
GDP
GDP Perperson
1984
1988
1992
1996
2000
2004
2008
2012
1 World Bank (2014)2 DoS (2014a)
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THE STATE OF HOUSEHOLDS
Chart 2: Annualised Nominal Growth Rates
1995-2012 (percentage)5
The data is clear that households have in fact beneited from our risingGDP. As Charts 2 and 3 show, the Compound Annual Growth Rate (CAGR)of median household income from 1995 to 2012 was 5.9%; it grew fromRM1,377 to RM3,626, and has grown more than average household income.Incomes of the lower income households have grown the fastest theaverage household income of those in the bottom 40% has grown the most,followed by the middle 40% and then the top 20% of households groupedby household income (Chart 4a).
Between 2009 and 2012, Malaysias real median household income grewby 19%; in contrast, in the US and the UK3real median household incomedropped by 4%.4
The latest igures indicate that in real terms (ie after adjusting for inlation)median household income grew slightly faster than the growth of GDP perperson (Chart 4b) although in the past, it was the latter that grew faster.
5.5%
AverageHousehold
income
5.9%
MedianHousehold
income
6.7%
NominalGDP
perperson
3 This is in terms of median equivalised disposable household income4 The Economist (2014), ofice for National Statistics UK (2013)5 DoS (2013a), KRI calculations6 DoS (2013a); the Minister in the Prime Ministers Department had announced in September 2014 that the average
and median household incomes for Malaysia in 2014 were RM5,900 and RM4,258, respectively. Pending publicationof the Household Income Survey Report 2014 by DoS, our Report will use igures from the Household Income andBasic Amenities Survey Report 2012.
Chart 3: Average and Median Monthly
Household Income 1995-2012 (RM)6
1995
1997
1999
2002
2004
2007
2009
2012
6,000
5,000
4,000
3,000
2,000
1,000
1995 1997 1999 2002
2,020 2,606 2,472 3,011
1,377 1,724 1,704 2,049
2004 2007 2009 2012
3,249 3,686 4,025 5,000
2,211 2,552 2,841 3,626
Average household income
Median household income
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7 DoS (2013a), EPU (2013), KRI calculations8 DoS (2013a), World Bank, KRI calculations
THE STATE OF HOUSEHOLDS
Chart 4b: Growth of Real Household Income and Real GDP per person 1995-20128
I
ndexedValue(1995=100)
Median Monthly
Household income
Average Monthly
Household income
GDP per person180
170
160
150
140
130
120
110
100
1995
1997
1999
2002
2004
2007
2009
2012
GDP per personBottom 40%
Middle 40%
Top 20%
Chart 4a: Growth of GDP per person and Nominal Average Household Income 1979-20127
1979
1984
1987
1989
1992
1995
1997
1999
2002
2004
2007
2009
2012
100
300
500
700
900
1,100
IndexedV
alue(1979=100)
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9 DoS (2014b)
We have done well but we should, as always, strive for better. Our averagemonthly household income in 2012 was RM5,000. But our medianhousehold income was less, at RM3,626.
23% of households earned less than RM2,000 per month 55% less than RM4,000 per month 74% less than RM6,000 per month.
At the individual level, the latest data from DoS9shows that in 2013 the
median monthly salaries and wages was RM1,700. This is consistent withthe data from EPF that show that 62% of active EPF members earned lessthan RM2,000 per month and 96% earned less than RM6,000.
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10 DoS (2011b)
Selangor5.3
Sarawak2.4
Putrajaya0.1
Sabah3.1
Johor3.2
Melaka0.8
N.Sembilan1.0
Kedah1.9
Labuan0.1Perlis
0.2
K. Lumpur1.6
Kelantan1.5
Perak2.3
P.Pinang1.5
Pahang1.4
Terengganu1.0
Chart 5a:Persons perHousehold
Chart 5b:Ethnicity ofHousehold Head
Chart 5c:Gender ofHousehold Head
Chart 5d:Location ofHousehold
Male84%
Female16%
Urban74%
Rural26%
Bumi64%
Chinese28%
Indian7%
18% 2
15%
316%
420%
520%
> 621%
About householdsBased on the latest available data from DoS, the population of Malaysia in2010 was 28.6 million. There were 6,341,273 households and an averageof 4.3 people per household as of 2010.10The following charts tell us whereour people live and the composition of their households.
Chart 5: Population of Malaysia by State in 2010 (m)
What makes a household? Composition of households headed by a Malaysian by:
THE STATE OF HOUSEHOLDS
Others1%
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08 KHAZANAH RESEARCH INSTITUTE
Table 2: Nominal GDP per person by State
in 2013 (RM)
12
Kuala Lumpur 79,752
Sarawak 41,115
P. Pinang 38,356
Selangor 37,851
Melaka 34,109
N. Sembilan 33,033
Pahang 26,759
Johor 25,302
Terengganu 23,285
Perak 21,150
Sabah 18,603
Perlis 18,519
Kedah 16,316
Kelantan 10,677
Malaysia 32,984
11 GDP per person for all countries are obtained from the IMF except for Malaysia, which is sourced from DoS. Seoul,Bangkok and Jakarta data are sourced from the countries respective national statistics departments. The exchange ratesused are the spot exchange rates on 31/12/2012.
12 DoS (2014a)
Rich and poor statesThere is a wide variation in nominal GDP between states. Kuala Lumpur, thesecond richest by nominal GDP but the irst in GDP per person terms, has ahigher nominal GDP per person than Korea. Kelantan, the poorest state bynominal GDP per person and second from the bottom in terms of nominalGDP, lies between richer Indonesia and poorer Sri Lanka in terms of GDPper person.
Singapore 53,516
Seoul 26,829
Kuala Lumpur 24,240
Korea 22,590
Bangkok [2011] 13,297
Jakarta 11,487
Malaysia 10,387
Thailand 5,390
Terengganu 7,435
Indonesia 3,591
Kelantan 3,481
Sri Lanka 2,876
Chart 6: Nominal GDP per person in 2012
(USD)
11
THE STATE OF HOUSEHOLDS
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Chart 7: Nominal GDP by Malaysian States in 2012 (RM b)13
Selangor204.2
Nominal GDP in RM b
4.3 204.2
Sarawak102.9
P. Pinang59.6
Pahang40.6
Melaka28.3
Terengganu24.8 Perlis 4.3
Kelantan17.4
Perak49.7
N.Sembilan
34.3
Kedah31.6Johor
84.5
Sabah64.1
K. Lumpur132.5
13 DoS (2014a)
GDP is not household incomeHigh GDP, GDP per person and GDP per household do not necessarilytranslate into high household incomes.
Average household income also often does not present a true picture of theincome of most households as it can be distorted by the incomes of the verywell-off. It disguises the fact that the median is actually much lower.
THE STATE OF HOUSEHOLDS
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10 KHAZANAH RESEARCH INSTITUTE
THE STATE OF HOUSEHOLDS
Chart 8: Median and Average Monthly Household Income and GDP per Household
per Month in 2012 (RM)14
Average Monthly
Household Income
Median Monthly Household Income, actual
gures marked on chart
Sarawak for example has the second highest GDP per household but
ranks eighth for average and seventh for median household income. BothPahangs and Terengganus average household incomes are lower thanSarawaks, but the median household incomes of all three states are almostthe same. Amongst the bottom three states, Perlis has the highest GDP perhousehold and average household income but still has a lower medianhousehold income than Kedah.
Median & Average MonthlyHousehold Income
GDP Per HouseholdPer Month
K. Lumpur
Selangor
P. Pinang
Melaka
Johor
Malaysia
N. Sembilan
Pahang
Sarawak
Terengganu
Sabah
Perak
Kedah
Perlis
Kelantan
1K 0
5K
16K
20K
24K
3K
8K
7K
2K
4K
6K
4K
12K
8K
5,847 26,369
5,353 12,728
4,039 12,843
3,923 12,328
3,650 9,092
3,626 12,369
3,575 12,170
3,067 10,817
3,047 15,932
3,034 9,772
2,860 10,034
2,665 7,285
2,633 5,949
2,387 6,843
2,276 4,814
14DoS (2013a), KRI calculations. Sources of household income comprise employment (wages and emoluments), incomefrom self-employment, property income (including royalties, rents, interests and dividends) and current transfersreceived (including remittances).
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8/21/2019 The State of Households
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THE STATE OF HOUSEHOLDS
Deprived householdsThe federal government has done its part in providing schools, hospitalsand electricity. Except in Sabah and Sarawak, which have remote interiors,most households have electricity and are less than 9km away from asecondary school or a health facility.
Chart 9a: Percentage of Households that have Electricity, Schools and Public Health in 201215
100 Rural households accessible toelectricity.
Household residences in a ruralarea that are located > 9kmfrom a secondary school.
Household residences that arelocated > 9km from a publichealth centre.
80
60
40
20
0
Selangor
N.Sembilan
Johor
Melaka
Pahang
P.Pinang
MALAYSIA
Perak
Sabah
Sarawak
Perlis
Kedah
Terengganu
Kelantan
Water and sanitation in some states on the other hand have not been as wellprovided, as the chart below shows. For example, in Kelantan, only 50% ofits rural households and 68% of its urban households have pipe water. Themajority (57%) of its households have no lush toilets but use tandas curah.
15DoS (2013a)16DoS (2013a)
Chart 9b: Percentage of Rural and Urban Households that have Pipe Water and Tandas
Curah in 201216
Urban households with accessto pipe water.
Households with tandascurah.
Rural households with accessto pipe water.
100
80
60
40
20
0
Selangor
N.Sembilan
Johor
Melaka
Pahang
P.Pinang
MALAYSIA
Perak
Sabah
Sarawak
Perlis
Kedah
Terengganu
Kelantan
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THE STATE OF HOUSEHOLDS
The states of the north: Perlis, Kedah, Kelantan and Terengganu
Chart 10: Characteristics of Households by Median Household Income, Ethnicity, Ownership
of Tandas Curah and Strata in 201217
Attention has rightly been focused on the development of our mostsouthern Peninsular states, and Sabah and Sarawak, with their remoteinteriors. But we must also improve the state of households in the north.We must bring education and employment opportunities, and improvebasic amenities like water and sanitation. The corridor initiatives and the
double-tracking to Padang Besar will help, but we must do more.
Median Household Income (RM) Percentage of Households with Tandas Curah
Urban
Urban RuralPopulation
231,541
1,000,000
2,000,000
3,000,000
4,000,000
5,462,141
Ethnicity
2,276 5,847 0.0 56.90
Bumiputera
Chinese
Indian
Non-Malaysians
Others
Rural
17 DoS (2013a)
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THE STATE OF HOUSEHOLDS
There is an ethnic, urban-rural and gender divideOf the three major ethnic groups, Chinese households are on average therichest and Bumiputera ones the least well-off. The average income ofhouseholds headed by an urban male Chinese is the highest, while thoseheaded by female Indians and Bumiputeras in the rural areas are thelowest.
The income gap between the ethnic groups is, however, less than the urban-rural income gap, which explains why young people move to towns from
their kampung. For example, in the rural areas, the average Bumiputerahousehold income is less than the average Chinese household income,whereas the average urban Bumiputera household income is much higher.
18 DoS (2013a)
Chart 11: Average Household Incomes by Ethnicity, Strata and Gender in 2012 (RM)18
Average Household Income
Median
Household
Income
Area Ethnicity Malaysia Male Female
Malaysia National 5,000 5,248 3,671 3,626Chinese 6,366 6,700 4,508 4,643
Indian 5,233 5,624 3,304 3,676
Bumi 4,457 4,654 3,404 3,282
Others 3,843 3,786 4,097 2,762
Urban National 5,742 6,010 4,239
Chinese 6,622 6,985 4,646
Indian 5,491 5,885 3,840
Bumi 5,301 5,502 4,129
Others 5,323 5,230 5,674Rural National 3,080 3,225 2,387
Chinese 3,806 3,951 2,795
Indian 3,271 3,539 2,224
Bumi 3,010 3,148 2,368
Others 2,432 2,487 2,149
Average Income (RM)
Max: 6,985Min: 2,149
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8/21/2019 The State of Households
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14 KHAZANAH RESEARCH INSTITUTE
THE STATE OF HOUSEHOLDS
Unequal household incomesIncome disparities vary by ethnic group and there is also an intra-ethnicinequality in income distribution.
The DoS Household Income Survey puts households in various monthlyhousehold income brackets. It starts with households that earn less thanRM1,000 a month, then those that earn more than RM1,000 but less thanRM2,000, all the way to those that earn RM10,000 a month or more.
Others and Bumiputeras tend to have higher proportions of householdsthat earn less than RM2,000 a month, whereas the Chinese and Indianshave higher proportions of households earning more than RM5,000 permonth. The Chinese have proportionately the most households that earnRM10,000 or more per month.
19 DoS (2013a)
Chart 12: Percentage Distribution of Households in Each Income Category in 2012:
Malaysia and by ethnicity of the household head19
Monthly Household Income Categories (RM)
20%
Below1k
1k-