 In Malaysia, changes in the OPR trigger a chain of events that affect the base lending rate (BLR), short-term interest rates, fixed deposit rate, foreign exchange rates, long-term interest rates, the amount of money and credit, and, ultimately, a range of economic variables, including employment, output, and prices of goods and services which is the micro and macro factors on the economic.The new base rate (BR) framework encourages greater transparency from banks and will enable customers to make better financial decisions.Previously, calculations of BLR lacked transparency and some banks were lending below the BLR to attract customers and boost loan growth.