{"id":1369,"date":"2026-04-08T04:33:29","date_gmt":"2026-04-08T04:33:29","guid":{"rendered":"https:\/\/abiqonthego.com\/?p=1369"},"modified":"2026-04-08T04:33:29","modified_gmt":"2026-04-08T04:33:29","slug":"akta-khas-bnpl-dicadang-lindungi-pengguna-elak-generasi-muda-terjebak-hutang","status":"publish","type":"post","link":"https:\/\/abiqonthego.com\/?p=1369","title":{"rendered":"Akta Khas BNPL Dicadang Lindungi Pengguna, Elak Generasi Muda Terjebak Hutang"},"content":{"rendered":"\n

KUALA LUMPUR:<\/strong> Cadangan penggubalan akta khusus berkaitan skim \u201cBeli Sekarang, Bayar Kemudian\u201d (BNPL) dilihat penting bagi melindungi pengguna, khususnya golongan muda daripada risiko bebanan hutang.<\/p>\n\n\n\n

Langkah ini timbul susulan kebimbangan terhadap peningkatan penggunaan BNPL dalam kalangan belia, yang semakin bergantung kepada kemudahan kredit mudah untuk perbelanjaan harian.<\/p>\n\n\n\n

Menurut pakar, tanpa kawalan yang jelas, skim BNPL berpotensi mendedahkan pengguna kepada risiko seperti caj tersembunyi, terma tidak adil serta amalan kutipan hutang yang tidak beretika.<\/p>\n\n\n\n

Sehubungan itu, kerajaan telah memperkenalkan Akta Kredit Pengguna<\/strong>, yang kini berkuat kuasa, bagi menutup jurang kawal selia dalam industri kredit termasuk BNPL.<\/p>\n\n\n\n

Akta tersebut antara lain memperkenalkan pengawasan lebih tersusun melalui penubuhan badan khusus yang akan memantau penyedia kredit serta memastikan pematuhan terhadap piawaian perlindungan pengguna.<\/p>\n\n\n\n

Selain itu, undang-undang baharu ini turut menekankan aspek seperti ketelusan terma pinjaman, penilaian kemampuan pengguna serta kawalan terhadap amalan kutipan hutang.<\/p>\n\n\n\n

Dalam masa sama, kerajaan turut memberi tempoh peralihan kepada penyedia BNPL untuk mematuhi peraturan baharu, termasuk keperluan pendaftaran dan pelesenan.<\/p>\n\n\n\n

Pakar berpandangan bahawa langkah ini penting bagi memastikan kemudahan BNPL terus relevan sebagai alat kewangan, namun tidak disalahgunakan sehingga menjejaskan kestabilan kewangan individu.<\/p>\n\n\n\n

Secara keseluruhannya, pengenalan akta khusus ini dilihat sebagai langkah proaktif dalam melindungi pengguna serta memastikan ekosistem kredit negara lebih selamat, telus dan bertanggungjawab.<\/p>\n","protected":false},"excerpt":{"rendered":"

KUALA LUMPUR: Cadangan penggubalan akta khusus berkaitan skim \u201cBeli Sekarang, Bayar Kemudian\u201d (BNPL) dilihat penting bagi melindungi pengguna, khususnya golongan<\/p>\n","protected":false},"author":1,"featured_media":1370,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"colormag_page_container_layout":"default_layout","colormag_page_sidebar_layout":"default_layout","footnotes":""},"categories":[45],"tags":[],"class_list":["post-1369","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-malaysia"],"magazineBlocksPostFeaturedMedia":{"thumbnail":"https:\/\/abiqonthego.com\/wp-content\/uploads\/2026\/04\/plt-pic-150x150.avif","medium":"https:\/\/abiqonthego.com\/wp-content\/uploads\/2026\/04\/plt-pic-300x200.avif","medium_large":"https:\/\/abiqonthego.com\/wp-content\/uploads\/2026\/04\/plt-pic-768x513.avif","large":"https:\/\/abiqonthego.com\/wp-content\/uploads\/2026\/04\/plt-pic.avif","1536x1536":"https:\/\/abiqonthego.com\/wp-content\/uploads\/2026\/04\/plt-pic.avif","2048x2048":"https:\/\/abiqonthego.com\/wp-content\/uploads\/2026\/04\/plt-pic.avif","colormag-highlighted-post":"https:\/\/abiqonthego.com\/wp-content\/uploads\/2026\/04\/plt-pic-392x272.avif","colormag-featured-post-medium":"https:\/\/abiqonthego.com\/wp-content\/uploads\/2026\/04\/plt-pic-390x205.avif","colormag-featured-post-small":"https:\/\/abiqonthego.com\/wp-content\/uploads\/2026\/04\/plt-pic-130x90.avif","colormag-featured-image":"https:\/\/abiqonthego.com\/wp-content\/uploads\/2026\/04\/plt-pic-800x445.avif","colormag-default-news":"https:\/\/abiqonthego.com\/wp-content\/uploads\/2026\/04\/plt-pic-150x150.avif","colormag-featured-image-large":"https:\/\/abiqonthego.com\/wp-content\/uploads\/2026\/04\/plt-pic-999x600.avif"},"magazineBlocksPostAuthor":{"name":"donut","avatar":"https:\/\/secure.gravatar.com\/avatar\/313119333777d0ce6dd007b3a0736c89846b64ea3499d16fa052c89b74142fa8?s=96&d=mm&r=g"},"magazineBlocksPostCommentsNumber":"0","magazineBlocksPostExcerpt":"KUALA LUMPUR: Cadangan penggubalan akta khusus berkaitan skim \u201cBeli Sekarang, Bayar Kemudian\u201d (BNPL) dilihat penting bagi melindungi pengguna, khususnya golongan","magazineBlocksPostCategories":["Malaysia"],"magazineBlocksPostViewCount":1,"magazineBlocksPostReadTime":2,"magazine_blocks_featured_image_url":{"full":["https:\/\/abiqonthego.com\/wp-content\/uploads\/2026\/04\/plt-pic.avif",999,667,false],"medium":["https:\/\/abiqonthego.com\/wp-content\/uploads\/2026\/04\/plt-pic-300x200.avif",300,200,true],"thumbnail":["https:\/\/abiqonthego.com\/wp-content\/uploads\/2026\/04\/plt-pic-150x150.avif",150,150,true]},"magazine_blocks_author":{"display_name":"donut","author_link":"https:\/\/abiqonthego.com\/?author=1"},"magazine_blocks_comment":0,"magazine_blocks_author_image":"https:\/\/secure.gravatar.com\/avatar\/313119333777d0ce6dd007b3a0736c89846b64ea3499d16fa052c89b74142fa8?s=96&d=mm&r=g","magazine_blocks_category":"Malaysia<\/a>","_links":{"self":[{"href":"https:\/\/abiqonthego.com\/index.php?rest_route=\/wp\/v2\/posts\/1369","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/abiqonthego.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/abiqonthego.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/abiqonthego.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/abiqonthego.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1369"}],"version-history":[{"count":1,"href":"https:\/\/abiqonthego.com\/index.php?rest_route=\/wp\/v2\/posts\/1369\/revisions"}],"predecessor-version":[{"id":1371,"href":"https:\/\/abiqonthego.com\/index.php?rest_route=\/wp\/v2\/posts\/1369\/revisions\/1371"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/abiqonthego.com\/index.php?rest_route=\/wp\/v2\/media\/1370"}],"wp:attachment":[{"href":"https:\/\/abiqonthego.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1369"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/abiqonthego.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1369"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/abiqonthego.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1369"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}