Tuesday, October 13, 2009

Bai Bithaman Ajil beban peminjam

BNM perlu cari alternatif elak pengguna rugi

GEORGETOWN: Bank Negara Malaysia (BNM) perlu mencari alternatif terbaik bagi melindungi pelanggan pembiayaan rumah Bai Bithaman Ajil (BBA) yang gagal membayar pinjaman.

Dekan Institut Perbankan dan Kewangan Islam, Universiti Islam Antarabangsa Malaysia (UIAM), Prof Dr Ahmed Kameel Mydin Meera, berkata BNM perlu bertindak supaya orang ramai yang meletakkan kepercayaan kepada sistem itu tidak mengalami kerugian.

Ketika ini, peminjam yang gagal membayar balik pinjaman melalui pembiayaan BBA akan berakhir dengan beban yang lebih teruk berbanding pinjaman perumahan konvensional.

Beliau memberi contoh kes seorang peminjam yang membeli sebuah kondominium yang sedang dalam pembinaan berharga RM249,000 tetapi melalui perjanjian BBA bank berkenaan menjual kepadanya dengan harga RM744,766.

Malangnya, projek itu terbengkalai tetapi bank sudah membayar RM9,543 kepada pemaju. Bebanan itu kini terletak di bahu peminjam yang perlu membayar balik RM505,368.

"Peminjam itu menawarkan untuk membayar balik kepada bank sebanyak RM10,000 tetapi bank menuntut sebanyak RM505,368," katanya pada sidang media di pejabat Persatuan Pengguna Pulau Pinang (CAP) di sini, semalam.

Hadir sama, Presiden CAP, SM Mohamed Idris.

BBA adalah pembiayaan yang mana pengguna menjual harta yang ingin dibeli kepada bank sebelum bank menjual semula kepadanya dengan harga yang lebih tinggi.

Kebanyakan bank yang menyedari masalah itu, menukar semula pembiayaan itu kepada konsep Musharakah Mutanaqisah yang memberi kelebihan kepada peminjam yang gagal supaya tidak berakhir dengan jumlah hutang yang tinggi.

Ahmed Kameel berkata, jumlah pembayaran semula sangat tinggi dan ia boleh memberi kesan ketika kegawatan ekonomi.

Sehubungan itu, katanya BNM perlu memastikan rebat yang diberikan adalah besar kepada peminjam yang gagal membayar supaya pengurangan pinjaman dapat diberikan secara adil tanpa campur tangan bank yang berat sebelah.

sumber: http://www.bharian.com.my/Current_News/BH/Wednesday/Nasional/20091013235303/Article/index_html


Bank Negara must help defaulters of Islamic banking: CAP

By TUNKU SHAHARIAH

GEORGE TOWN: Bank Negara Malaysia should help defaulters of the popular ‘Bai Bithaman Ajil’ (BBA) home financing so that consumers who have put their faith in Islamic financing are not short changed.

Consumer’s Association of Penang (CAP) president S. M. Mohamed Idris said presently the defaulters ended up worst than defaulters of other conventional housing loans as BBA was an Islamic home financing where interest was not allowed to be charged.

International Islamic University Malaysia’s Dean of the Institute of Islamic Banking and Finance Prof Ahmed Kameel Mydin Meera said under the BBA, the borrower was initially deemed to have sold the property to the bank under the loan agreement.

“This poses potential problems when the property is still under construction. The consumer then ‘buys the property back from the bank at a very much higher price as it includes the profit element for the bank (known as the Bay al-Inah concept).

“The consumer then makes monthly payments based on the price sold to him by the bank,” he told a press conference at CAP office here Tuesday.

Prof Ahmed said as the BBA was a sales contract that included profit, the borrower could in the event of a default, owe more than the original financing amount taken.

“A few of the customers who were unhappy with the astronomical sums they were asked to pay have taken their banks to court,” he added.

He added, in 2008 High Court judge Datuk Abdul Wahab Patail had argued that the BBA sale was not a genuine sale as the profit charged by the banks was nothing more than the interest payment in a conventional loan.

“Since the profit element of the BBA was a sham, the contract had gone against Shariah principles.

“However in April 2009, the Court of Appeal ruled that the BAA contract is shariah compliant and therefore binding. It also stated that the BBA is a sales transaction and should not be compared to a loan transaction,” he added.

Mohd Idris urged Bank Negara to protect Islamic banking by regulating the rebates the banks could give to BBA defaulters so that their outstanding balance could be significantly reduced given the current global financial meltdown where more people were expected to default on loans in the coming months.

source: http://thestar.com.my/news/story.asp?file=/2009/10/13/nation/20091013112436&sec=nation

No comments: