SIAPA YANG SELIA?

siapa yang selia?

INDUSTRI BNPL global dianggarkan bernilai kira-kira RM699 bilion.

Kuala Lumpur: Perkhidmatan Beli Sekarang Bayar Kemudian (BNPL) kini muncul sebagai penyelesaian pembayaran dan pembiayaan yang menarik bagi kebanyakan orang di tengah-tengah pertumbuhannya yang pesat.

Ini sekali gus menjadikan perkhidmatan ini penting untuk dikawal selia demi kebaikan pengguna, pemberi pinjaman serta mengelakkan daripada sebarang potensi risiko kepada sistem kewangan, demikian menurut pakar.

Berdasarkan tinjauan yang dijalankan terhadap 10 penyedia BNPL bukan bank, nilai urus niaga pasaran BNPL melonjak kepada RM1.49 bilion pada 2021 berbanding RM55 juta pada 2020.

Industri BNPL global pula dianggarkan bernilai kira-kira AS$157 bilion (RM699 bilion).

Justeru, Akta Kredit Pengguna (CCA) yang dijangka dibentangkan pada suku kedua 2023 adalah tepat pada masanya untuk memastikan kestabilan dan pertumbuhan sistem kewangan.

CCA akan berfungsi sebagai pendekatan awal selepas memantau trend, risiko dan kesan berpotensi ke atas kedudukan kewangan pengguna dan ia akan ditadbir oleh Lembaga Pemantauan Kredit Pengguna (CCOB) di bawah Kementerian Kewangan (MOF).

Ketua Penyelidikan dan Penasihat Kekayaan UOB Kay Hian Wealth Advisors Sdn Bhd, Mohd Sedek Jantan berkata, mengawal selia industri BNPL adalah penting untuk melindungi pengguna daripada kemungkinan risiko seperti data pelanggan dipergunakan dan kekurangan bantuan untuk pelanggan yang mudah terjejas atau mengalami masalah kesukaran kewangan.

“Siapakah yang akan menyemak kontrak antara BNPL dan pengguna? Atas dasar apakah ‘jumlah yang diluluskan’ diberikan kepada pengguna? Potensi untuk meletakkan pengguna terlalu banyak berhutang dengan pelbagai produk BNPL dan yang paling penting, beli sekarang dan tidak dapat membayar kemudian?

“Keupayaan penyedia BNPL untuk menjalankan penilaian kelayakan kredit dan kemampuan yang menyeluruh terhadap pengguna dihalang oleh jangka masa yang suntuk apabila memasuki kontrak.

“Ini adalah tiga sebab mengapa industri ini mesti dikawal secepat mungkin,” katanya kepada Bernama.

Kertas rundingan mengenai CCA itu menyatakan bahawa terdapat peningkatan kehadiran penggiat yang tidak dikawal selia dalam bidang kredit pengguna termasuk syarikat yang menawarkan BNPL, syarikat pemfaktoran dan pajakan bukan bank, pembeli pinjaman terjejas (ILB) dan agensi kutipan hutang (DCA).

Inisiatif ini disokong oleh Bank Negara Malaysia (BNM) dan Suruhanjaya Sekuriti (SC) dengan kerjasama Kementerian Perdagangan Dalam Negeri dan Hal Ehwal Pengguna (KPDNHEP), Kementerian Perumahan dan Kerajaan Tempatan (KPKT), Kementerian Pembangunan Usahawan dan Koperasi (Kuskop) dan Suruhanjaya Koperasi Malaysia (SKM).

Berkongsi pendapat yang sama, Profesor dan Dekan Institut Pengajian Siswazah di Universiti Sains dan Teknologi Malaysia, Geoffrey Williams berkata, perlunya ada peraturan undang-undang untuk melindungi pemiutang dan pemberi pinjaman.

“Jadi, penyedia tidak berdaftar atau tidak dikawal mesti dihapuskan dalam mana-mana rangka kerja BNPL baharu dan ia adalah satu trend yang baik jika dikawal dengan betul dan telus.

“Ia adalah pilihan yang lebih baik daripada menggunakan kad kredit mahal atau meminjam daripada peminjam haram. Ia menyediakan peluang baharu dalam kredit pengguna jika ada peraturan yang berkesan dan tahap celik kewangan yang tinggi dalam kalangan pengguna,” katanya.

Williams turut menekankan BNM juga harus memainkan peranan untuk melihat risiko sektor kewangan sistemik serta risiko dalam institusi pemberi pinjaman.

“Pilihan Islam juga harus disediakan sebagai sebahagian daripada rangka kerja perlindungan risiko,” katanya.

Sementara itu, Mohd Sedek berkata, peningkatan BNPL sebagai alternatif kepada kredit tidak dapat dielakkan dan sama seperti kes ride hailing dan penghantaran makanan, kunci pertumbuhan bagi penyedia BNPL ialah memperoleh perkongsian pedagang secepat mungkin.

“Bukan itu sahaja, bank digital juga akan merangsang pengembangan dan pertumbuhan BNPL,” katanya.

Mengenai kebimbangan terhadap hutang isi rumah, Mohd Sedek berkata BNPL sudah pasti akan memperlihatkan tekanan tertentu ke atas hutang isi rumah kerana BNPL tidak membekalkan pengawal selia maklumat kredit pelanggan dan kaedah itu dipasarkan sebagai lebih baik berbanding kad kredit.

Mengambil contoh statistik Jabatan Insolvensi Malaysia, beliau berkata pada 2021, lebih 20 kes muflis difailkan oleh individu di bawah umur 25 tahun, manakala 1,060 kes direkodkan bagi kumpulan berumur 25 hingga 34 tahun.

Dalam pada itu, Williams pula mempunyai perspektif yang berbeza tentang hutang isi rumah dengan menyatakan walaupun BNPL mungkin menambah hutang isi rumah, ia juga mungkin hanya mengagihkan semula hutang daripada kad kredit dan kesan bersih BNPL terhadap hutang isi rumah masih tidak diketahui.

“Ia boleh mengurangkan kebergantungan mereka kepada kad kredit mahal yang menjadi masalah besar kepada pengguna muda,” jelasnya.

© New Straits Times Press (M) Bhd

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