How moratorium can help the customers and what are the implications to the banking industry?

Moratorium really help the customers in term of money spending. The customer did not require to
pay for financing/loan for 6 months. They can used the excess money to buying the necessities
things such as food. The customer did not bear with the high commitment during the covid-19 crisis.
The customers have their saving around 30% to 50% during this time because they do not need to
pay for the installments and the economy will keep improving because customers have the excess
money to make the trade transactions. The moratorium also helps SMEs to keep maintain their daily
operations and the welfare of their staff. For the people that lost their job, it will help them to
recover their financial and given the priorities to the basic things. For the banking industry, their
have the existing capital or profit before this and it will not too affect to them. But the bank still
faced the loss risk but still in controllable situation with the help of government. The bank still can
get the loan/financing repayment from the customers that not affected from the Covid-19 crisis. This
is because there are still people that able to pay it.

After 6 months moratorium end, what will happen to the customers and banks?

The customers that take the option of moratorium must pay for the repayment of loan/financing
after 6 months. But the period of loan/financing will be extended and not following the first
agreement between bank and customers. For the customer that still pay for loan/financing and do
not take the moratorium in these 6 months, they still following the first agreement and the period is
not extended.