|  Urgent need for flexible funding  Government and private sectors must work on a strategic financial model — p19 |  A first by Maybank Islamic  Bank launches market-first online gold investment account with option to own physical gold — p18 |  Waste not , want not  Liability refers to waste generated along the processes involved — p20 |  VOL 3 : ISSUE 13 KDN NO : PP19477 / 05 / 2019 ( 035077 ) May-June . 2021 RM8.00 |