The COVID-19 pandemic is causing financial issues for almost everyone. But it is hurting one community more than others. A group who are always facing cash-flow issues are those at the bottom of the income ladder. Take, for example, Malaysian families that earn less than RM 2,000 per month. According to Khazanah Research Institute, in normal times these families have only RM 76 of disposable income per month, which means they will have no savings to tide them over during the