{"id":38080,"date":"2025-09-06T23:52:24","date_gmt":"2025-09-06T15:52:24","guid":{"rendered":"https:\/\/hteknologi.com\/blog\/?p=38080"},"modified":"2025-09-06T23:52:24","modified_gmt":"2025-09-06T15:52:24","slug":"ruu-kredit-pengguna-2025-bnpl-hutang","status":"publish","type":"post","link":"https:\/\/hteknologi.com\/blog\/ruu-kredit-pengguna-2025-bnpl-hutang\/","title":{"rendered":"RUU Kredit Pengguna 2025 diluluskan untuk Kawal Selia BNPL, Kutipan Hutang dan Pajakan"},"content":{"rendered":"<div class=\"prose text-pretty dark:prose-invert inline leading-relaxed break-words min-w-0 [word-break:break-word] prose-strong:font-medium\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">Dewan Negara telah meluluskan Rang Undang-Undang Kredit Pengguna (RUUKP) 2025 yang bakal memperkenalkan pengawalseliaan ketat terhadap perkhidmatan kredit yang sebelum ini tidak dikawal selia di Malaysia, termasuk skim Beli Sekarang Bayar Kemudian (BNPL), perkhidmatan kutipan hutang, dan perkhidmatan pajakan. Perundangan ini bertujuan memastikan perlindungan pengguna kredit menjadi lebih mantap serta mewujudkan lanskap kredit yang adil dan teratur.<\/p>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">Suruhanjaya Kredit Pengguna (SKP) akan ditubuhkan berdasarkan RUU ini sebagai badan berkanun di bawah Kementerian Kewangan untuk mengawal selia dan memberi lesen kepada semua penyedia perkhidmatan kredit bukan perbankan, termasuk syarikat BNPL dan entiti antarabangsa yang ingin beroperasi di Malaysia.<\/p>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">Semua syarikat BNPL diwajibkan menjalankan penilaian kelayakan kredit dan kemampuan berhutang sebelum menawarkan pinjaman atau kredit, serta menyerahkan laporan berkala kepada SKP. Mana-mana pihak yang menyediakan perkhidmatan\u00a0 tanpa lesen akan dikenakan tindakan penguatkuasaan oleh SKP.<\/p>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">RUUKP turut menetapkan bahawa enam jenis perkhidmatan kredit pengguna, termasuk BNPL, pemfaktoran, pajakan, kutipan hutang, dan pengurusan hutang, kini berada di bawah bidang kuasa pengawalseliaan SKP. Perundangan ini juga menekankan tanggungjawab syarikat BNPL untuk mengamalkan prinsip pinjaman yang bertanggungjawab bagi melindungi pengguna daripada risiko beban hutang berlebihan.<\/p>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">Menurut Timbalan Menteri Kewangan, Lim Hui Ying, penggubalan undang-undang ini merupakan usaha kerajaan dalam memperkukuh perlindungan pengguna kredit dan mewujudkan pengurusan kredit yang lebih profesional dan telus. Tambah beliau, undang-undang ini juga akan meningkatkan keyakinan terhadap sistem kewangan negara dan menyelaraskan pengawalseliaan yang sebelum ini berbeza-beza dalam landskap kredit pengguna di Malaysia.<\/p>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">RUUKP 2025 dijangka akan digazetkan sebelum penghujung tahun ini dan diterima dengan sokongan sebulat suara oleh Dewan Rakyat dan Dewan Negara. Pemerhati industri menyambut baik langkah ini kerana BNPL yang berkembang pesat dengan transaksi bernilai berbilion ringgit kini akan diawasi dengan lebih rapi bagi memupuk amalan kredit yang adil dan beretika di kalangan pengguna Malaysia.<\/p>\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">Melalui penguatkuasaan yang ketat dan pemantauan berterusan oleh SKP, risiko ketirisan kredit dan amalan kutipan hutang yang tidak wajar diharap akan dapat diminimumkan demi kesejahteraan pengguna serta kestabilan ekonomi negara.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Dewan Negara telah meluluskan Rang Undang-Undang Kredit Pengguna (RUUKP) 2025 yang bakal memperkenalkan pengawalseliaan ketat terhadap perkhidmatan kredit yang sebelum ini tidak dikawal selia di Malaysia, termasuk skim Beli Sekarang Bayar Kemudian (BNPL), perkhidmatan kutipan hutang, dan perkhidmatan pajakan. Perundangan ini bertujuan memastikan perlindungan pengguna kredit menjadi lebih mantap serta mewujudkan lanskap kredit yang adil [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":38081,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"tdm_status":"","tdm_grid_status":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"fifu_image_url":"","fifu_image_alt":"","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[2919,8810],"tags":[10075,2148,9056],"class_list":["post-38080","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aplikasi","category-perbankan","tag-bnpl","tag-grab","tag-shopee-spaylater"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>RUU Kredit Pengguna 2025 diluluskan untuk Kawal Selia BNPL, Kutipan Hutang dan Pajakan<\/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:\/\/hteknologi.com\/blog\/ruu-kredit-pengguna-2025-bnpl-hutang\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"RUU Kredit Pengguna 2025 diluluskan untuk Kawal Selia BNPL, Kutipan Hutang dan Pajakan\" \/>\n<meta name=\"twitter:description\" content=\"Dewan Negara telah meluluskan Rang Undang-Undang Kredit Pengguna (RUUKP) 2025 yang bakal memperkenalkan pengawalseliaan ketat terhadap perkhidmatan kredit yang sebelum ini tidak dikawal selia di Malaysia, termasuk skim Beli Sekarang Bayar Kemudian (BNPL), perkhidmatan kutipan hutang, dan perkhidmatan pajakan. 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