{"id":1569,"date":"2025-03-24T16:26:04","date_gmt":"2025-03-24T08:26:04","guid":{"rendered":"https:\/\/ekonomiunggul.com\/?p=1569"},"modified":"2025-03-24T16:26:05","modified_gmt":"2025-03-24T08:26:05","slug":"bnpl-hanya-sebahagian-kecil-daripada-keseluruhan-hutang-isi-rumah-bnm","status":"publish","type":"post","link":"https:\/\/ekonomiunggul.com\/?p=1569","title":{"rendered":"BNPL hanya sebahagian kecil daripada keseluruhan hutang isi rumah – BNM"},"content":{"rendered":"\n

KUALA LUMPUR: Jumlah hutang terkumpul skim beli sekarang bayar kemudian (BNPL) kekal sebagai sebahagian kecil daripada keseluruhan hutang isi rumah iaitu sebanyak RM2.8 bilion atau 0.2 peratus daripada jumlah hutang isi rumah setakat Disember 2024.<\/p>\n\n\n\n

Bank Negara Malaysia (BNM) dalam Tinjauan Kestabilan Kewangan Separuh Tahun Dua 2024 melaporkan jumlah pembelian menerusi BNPL menunjukkan peningkatan dari segi jumlah transaksi dan nilai, masing-masing kepada 83.8 juta transaksi dan RM7.1 bilion pada tempoh berkenaan.<\/p>\n\n\n\n

Menurut BNM dalam laporan yang dikeluarkan hari ini, setakat akhir Disember 2024, bilangan pengguna aktif mencecah 5.1 juta berbanding pada Jun tahun lalu iaitu 4.3 juta.<\/p>\n\n\n\n

Bagaimanapun, kata bank pusat itu, risiko yang berkaitan dengan BNPL kekal terkawal.<\/p>\n\n\n\n

“Tahap jumlah tertunggak BNPL kekal rendah pada 2.9 peratus daripada jumlah baki terkumpul BNPL dalam tempoh terbabit, berbanding 2.6 peratus pada Jun 2024,” kata BNM.<\/p>\n\n\n\n

Laporan itu menyatakan bahawa penyedia BNPL juga dilihat menawarkan kemudahan untuk transaksi bernilai lebih tinggi, selain tempoh ansuran lebih lama hingga 24 bulan berbanding tempoh lazim iaitu antara satu hingga enam bulan sebelum ini.<\/p>\n\n\n\n

BNM berkata, penyedia BNPL juga terus menerapkan amalan yang bertujuan mengurangkan kebimbangan terhadap risiko yang lebih meluas daripada peminjam yang menghadapi kesukaran kewangan.<\/p>\n\n\n\n

“Hal ini termasuk memberikan kredit yang lebih rendah kepada pengguna baharu, menggantung kemudahan dengan serta-merta apabila terdapat bayaran yang terlewat bayar dan menguruskan had kredit secara proaktif bagi pengguna yang dijangka menghadapi kesukaran untuk membuat bayaran balik,” kata BNM.<\/p>\n\n\n\n

Selain itu, Rang Undang-Undang (RUU) Kredit Pengguna 2025 yang dijangka diwartakan menjelang akhir tahun ini akan membolehkan penubuhan Suruhanjaya Kredit Pengguna untuk mengawal selia dan menyelia penyedia kredit bukan bank serta penyedia perkhidmatan kredit yang ketika ini tidak dikawal selia, termasuk perniagaan yang menawarkan skim BNPL.<\/p>\n\n\n\n

“Langkah ini akan mengukuhkan rangka kerja pengawalan dan penyeliaan untuk perlindungan pengguna kredit,” kata bank pusat itu.<\/p>\n\n\n\n

-BERNAMA<\/p>\n\n\n\n

Sumber: BH Online<\/mark><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

KUALA LUMPUR: Jumlah hutang terkumpul skim beli sekarang bayar kemudian (BNPL) kekal sebagai sebahagian kecil daripada keseluruhan hutang isi rumah iaitu sebanyak RM2.8 bilion atau 0.2 peratus daripada jumlah hutang isi rumah setakat Disember 2024. Bank Negara Malaysia (BNM) dalam Tinjauan Kestabilan Kewangan Separuh Tahun Dua 2024 melaporkan jumlah pembelian menerusi BNPL menunjukkan peningkatan dari […]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[5],"tags":[],"class_list":["post-1569","post","type-post","status-publish","format-standard","hentry","category-berita"],"yoast_head":"\nBNPL hanya sebahagian kecil daripada keseluruhan hutang isi rumah - BNM - Solusi Ekonomi Unggul<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ekonomiunggul.com\/?p=1569\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BNPL hanya sebahagian kecil daripada keseluruhan hutang isi rumah - BNM - Solusi Ekonomi Unggul\" \/>\n<meta property=\"og:description\" content=\"KUALA LUMPUR: Jumlah hutang terkumpul skim beli sekarang bayar kemudian (BNPL) kekal sebagai sebahagian kecil daripada keseluruhan hutang isi rumah iaitu sebanyak RM2.8 bilion atau 0.2 peratus daripada jumlah hutang isi rumah setakat Disember 2024. 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