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Pemuda UMNO Kemukakan 10 Cadangan Tambah Baik Tawaran Moratorium Agar Tidak Bebankan Rakyat

PERGERAKAN Pemuda UMNO Malaysia menerima ratusan mesej dan maklum balas daripada orang ramai mengenai kepelbagaian kaedah tawaran moratorium yang diamalkan oleh bank-bank sehingga sebahagiannya amat membebankan rakyat dengan tambahan jumlah bayaran balik pinjaman akibat penangguhan ansuran bulanan.

2. Setelah meneliti amalan dan pendekatan yang berbeza-beza diambil oleh institusi-instiusi perbankan dalam menawarkan Moratorium sehingga mencetuskan polemik meresahkan rakyat yang ketika ini sudahpun terbeban dan tertekan dengan kesan ekonomi akibat pandemik COVID-19, maka Pemuda UMNO Malaysia ingin mencadangkan agar Kerajaan terutamanya Menteri Kewangan untuk mengambil 10 langkah-langkah seperti berikut:

(1) Memanfaatkan 3 PUNCA KUASA yang ada di bawah Ordinan Darurat (Kuasa-Kuasa Perlu) 2021, Akta Bank Negara 2009 dan Akta Perkhidmatan Kewangan 2013 dengan menyelaras dan menyeragamkan kaedah penawaran Moratorium termasuklah dalam aspek penangguhan pinjaman, mekanisme bayaran balik dan pengiraan untung dan faedah.

(2) Memastikan tiada faedah tambahan mahupun keuntungan terakru yang dikenakan sama ada secara zahir mahupun tersembunyi melalui Moratorium yang diberikan kepada rakyat. Ini termasuklah caj-caj berkaitan yang amat membebankan rakyat.

(3) Memberikan insentif cukai kepada bank-bank yang tidak memindahkan keuntungan atau faedah terakru semasa tempoh moratorium kepada rakyat di penghujung tempoh bayaran balik atau dalam tempoh penambahan jangka masa bayaran balik.

(4) Memanfaatkan garis panduan baharu Bank Negara iaitu ‘Value-Based Intermediation -VBI’ dengan mengamalkan konsep Tanggungjawab Sosial Korporat (CSR) melalui penawaran Moratorium semasa pandemik dengan bank menyerap keuntungan atau faedah terakru yang dikenakan kepada pelanggan. Dengan melakukan ini, pelanggan hanya kekal membayar nilai ansuran pinjaman yang sama bagi tempoh 3-6 bulan penangguhan bayaran diberikan.

(5) Mengambil kira bank sebagai perantara kewangan (financial intermediation) yang punya komitmen terhadap pendeposit dan pelabur, Kerajaan melalui Bank Negara boleh memperkenalkan polisi ‘Zero Interest-Rate’ bagi satu tempoh tertentu dalam keadaan pandemik.

(6) Polisi ‘Zero Interest Rate’ terutamanya bagi OPR-Overnight Policy Rate boleh mengurangkan tekanan kepada bank akibat kos-kos dana (cost of fund) yang terpaksa diambil kira dalam pengiraan caj faedah (profit margin). Melalui polisi ini, bank-bank tidak lagi perlu mengenakan caj faedah terakru ke atas rakyat yang menerima tawaran Moratorium untuk tempoh 6 bulan (Nota: Dana-dana bank termasuk daripada Pasaran Kewangan (Money Market) selain daripada dana deposit pelbagai jangka masa adalah kos bagi bank).

(7) Kerajaan melalui Bank Negara Malaysia juga boleh mengarahkan bank-bank untuk mewujudkan tabung khas dengan memindahkan (provision) sebahagian daripada keuntungan pada kadar tertentu bagi dimanfaatkan untuk tujuan menyerap sebarang kemungkinan kerugian (Expected Losses) akibat kegagalan pelanggan membayar balik pinjaman selepas moratorium diberikan. Ini penting bagi membolehkan mekanisme pengiraan keuntungan bank tidak lagi memasukkan elemen ‘Expected Loss’ yang menaikkan nilai faedah terakru yang dikenakan pihak bank kepada pelanggan.

(Kerajaan melalui Bank Negara Malaysia mengawal selia kaedah pengiraan faedah terakru agar tidak sesekali membebankan rakyat sepanjang tempoh pandemik COVID-19).

(9) Insentif cukai juga boleh diperkenalkan Kerajaan kepada bank-bank yang mempermudahkan tawaran Moratorium kepada para Pengusaha Kecil dan Sederhana (PKS) termasuk penstrukturan semula pembiayaan tanpa faedah atau kadar faedah amat minimum bagi mengurangkan beban dan tekanan hingga melumpuhkan operasi perniagaan mereka.

(10) Memandangkan kebanyakan bank tidak menawarkan moratorium bagi produk-produk pinjaman yang mengenakan faedah yang tinggi (17-18%) seperti Kad Kredit dan Pinjaman Peribadi, dicadangkan Kerajaan membenarkan pengeluaran simpanan KWSP khas untuk menyelesaikan obligasi hutang-hutang ini. Pada masa sama Bank Negara Malaysia boleh mengarahkan bank-bank memberikan diskaun 20-30% kepada pelanggan yang mahu menyelesaikan hutang pinjaman peribadi dan kad kredit.

3. Pemuda UMNO mengharapkan agar Kerajaan terutamanya Menteri Kewangan dapat mengambil serius segala tuntutan dan cadangan di atas bagi memastikan moratorium yang diumumkan Kerajaan benar-benar bermanfaat dan bukannya menambahkan beban baharu kepada rakyat yang sememangnya sudah terdesak, tertekan dan menderita akibat Pandemik COVID-19 ini. – UMNO ONLINE

Datuk Dr. Asyraf Wajdi Dusuki
Ketua Pergerakan Pemuda UMNO Malaysia