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SHOPEE LOAN (SLOAN) FOR SELLER - Cikgu Shopee
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SHOPEE LOAN (SLOAN) FOR SELLER

 SHOPEE LOAN (SLOAN) FOR SELLER

APA ITU SHOPEE LOAN (SLOAN) FOR SLLER?
Satu program / fungsi pinjaman dana yang diperkenalkan oleh Shopee dengan kerjasama Sea Money Capital Malaysia Sdn. Bhd. Dilancarkan pada 24 Mei 2022 untuk memberi dana kepada penjual-penjual di Shopee bagi memenuhi keperluan modal bekerja.

Penjual boleh mohon pinjaman mengikut credit tersedia yang telah ditetapkan dan bayar semula secara ansuran bulanan untuk tempoh 3, 6 atau 12 bulan.

Struktur Sloan for seller

  • Kadar bunga sebanyak 18% setiap tahun.
  • Promosi 10% sempena pelancaran bagi bulan Jun 2022.
  • Tempoh pinjaman selama 3, 6 atau 12 bulan.

Penjual Sasaran

  • Penjual yang mempunyai prestasi  bisnes  yang mencukupi pemeriksaan risiko.
  • Batch 1 yang disenaraiputihkan: 3,000 – 4,000 penjual
  • Penjual Shopee yang tidak mempunyai mana-mana pinjaman dari bank untuk keperluan dana dalam kerja.

Faedah-Faedah Yang Ditawarkan

  • Penjual mampu untuk memperoleh bantuan kewangan tanpa melalui pihak bank.
  • Membantu penjual tempatan meningkatkan pengaliran wang & mengenmbangkan bisnes mereka.
  • Mewujudkan kesan yang berganda untuk ekonomi yang lebih luas.

ILUSTRASI STRUKTUR PINJAMAN

 ShopeePayIlustrasi Struktur Pinjaman

Had pinjaman Penjual A = RM100,000

Jumlah Pinjaman Yang Dikehendaki = RM20,000

1) Bayaran kelulusan (0.1% dari jumlah pinjaman) = RM200
2) Jumlah yang diterima = RM19,000
3) Tempoh pinjaman yang dipilih = 3 bulan
4) Kadar bunga = 0.83% setiap bulan
5) Jumlah bunga = RM499
6) Jumlah pembayaran semula = RM20,499
7) Bayaran ansuran bulanan = RM6,833 (untuk 3 bulan)

* KPKT memerlukan semua persetujuan pinjaman untuk diluluskan oleh LHDN.
Rakan KongsiSeaMoney
Peminjam SasaranPenjual di Shopee
Had PinjamanSehingga  RM120,000
Tempoh Pinjaman3 – 6 Bulan
Caj Admin
Kadar Bunga18% setiap tahun
Kadar Penalti Lewat8% setiap tahun untuk jumlah tertunggak
Denda Lewat
Masa DiluluskanSerta-merta – 24 jam (bergantung pada tahap risiko)

ILUSTRASI CAJ PEMBAYARAN SEMULA PINJAMAN YANG LEWAT

PENDAPAT PERIBADI?

  1. Sebagaimana yang dapat dilihat dalam ilustrasi-ilustrasi di atas, jelas ternampak bahawa ada konsep riba yang diamalkan dalam Shopee Loan (Sloan) ini, iaitu Yuran Lewat yang dikenakan kepada peminjam sekiranya melebihi tempoh pinjaman.
  2. Sebagai orang Islam, kita dilarang untuk mengambil apa-apa skim atau bantuan kewangan yang mengandungi unsur riba. Ini kerana riba tergolong dalam salah satu dosa-dosa besar.
  3. Buat masa sekarang, penjual-penjual Shopee tidak digalakkan untuk untuk menggunakan feature Sloan ini terutamanya kepada mereka yang sudah mempunyai pinjaman dari bank atau mana-mana agensi pinjaman kerana ini hanya akan menambahkan lagi hutang sedia ada anda.
  4. Jika ada keperluan untuk menggunakan pinjaman kewangan, carilah institusi atau organisasi yang mengamalkan konsep pinjaman yang patuh syariah.

Untuk lagi terperinci berkenaan dengan Sloan For Sellers, boleh rujuk artikel asal di sini.

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Ridhwan Musa

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