Kenali Lebih Jauh Cicilan Syariah dari AlIF
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25
Mei
2017

Kenali Lebih Jauh Cicilan Syariah dari AlIF

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Cicilan Syariah Alif
Cicilan Syariah Alif

JAKARTA, ME. Harga beli sebuah kendaraan kini semakin melambung tinggi, bradsis. Apalagi motor dengan kapasitas mesin besar, pastinya uang ratusan juta wajib loe keluarkan untuk menebus motor dambaan tersebut. Beberapa perusahaan finance memberikan solusi untuk hal ini, salah satunya PT Al Ijarah Indonesia Finance (AlIF) Syariah..

AlIF merupakan perusahaan finance syariah yang kini siap untuk membantu brad n sist dalam memiliki motor besar dengan cara Cicilan Syariah. "Konsumen kelas menengah ke atas pastinya rindu dengan cara syariah, dan kita hadir dengan 100% syariah. Jadi, rekanan kami semua syariah termasuk asuransinya, dan kami pertama yang masuk ke ritel otomotif dengan cara syariah," buka Purwanto, Distribution and Network Division Head PT AlIF.

Lantas, apa bedanya dengan cicilan konvensional ya? Hmm, ternyata nggak jauh beda kok, bradsis. Perbedaan hanya pada akad kredit saja, dengan kata lain pada pembiayaan syariah lebih terbuka kepada konsumen saat akad. "Pembiayaan Syariah itu lebih terbuka, tidak boleh ada biaya yang ditutup-tutupi. Contohnya, kalau pada pembiayaan konvensional bilang biaya provisi. Provisi itu apa sih, kan sudah ada administrasi. Nah, hal seperti itu tidak ada di pembiayaan syariah," pungkasnya.

Keuntungan lainnya adalah brad n sist tidak akan dikenakan kenaikan bunga tanpa sepengetahuan. Pasalnya, harga kesepakatan plus keuntungan yang perusahaan dapat sudah diketahui oleh loe pada awal akad. "Si A beli motor, harga yang ditetapkan oleh diler misalkan Rp 130 juta, kami beli dengan harga tersebut. Nah, kami jual ke nasabah sesuai dengan kesepakatan, misalnya disepakati kami jual dari Rp 130 juta menjadi Rp 140 juta ditambah keuntungan kami misalkan 10 juta, kalau nasabah oke tinggal dibagi sesuai dengan tenor yang disepakati bersama," terang Purwanto.

Dalam pembiayaan syariah, calon konsumen harus memberikan uang muka kepada perusahaan finance dan ini sudah menjadi ketentuannya, bradsis. Dengan mengikuti aturan Otoritas Jasa Keuangan, setoran uang muka yang harus loe berikan sebesar 15% untuk motor besar. Untuk asuransi lebih diutamakan membayar secara cash, namun mendapat kompensasi sesuai kemampuan loe, bradsis.

Mengenai denda dan keterlambatan, pastinya loe bakal tergiur deh. "Kalo prosedur di syariah lebih mengedepankan komunikasi, bukan berarti syariah tidak menjalankan kewajiban. Semua yang ingin melakukan syariah awalanya harus beritikad baik," ujarnya.

Jika niat loe sudah baik, pastinya akan berjalan lancar nih, bradsis. Untuk denda konsumen sudah lebih dahulu diberi tahu saat akad, dan biasanya denda berupa penggantian ongkos tagihan. Kalaupun niat konsumen yang tidak baik, perusahaan akan memberikan pembayaran denda dengan tujuan efek jera yang nantinya dana tersebut untuk kegiatan CSR.

Lagi-lagi komunikasi akan dijalankan jika perusahaan akan melakukan penarikan unit. Dengan maksud, konsumen akan diajak berdiskusi kendala yang terjadi, dan akan diberikan beberapa solusi. "Jika sudah dibawa kabur itu beda urusan, dan kami percaya konsumen yang melakukan cicilan syariah semua memiliki niat baik," tutup Purwanto.

Text: Arbi (arbi.motorexpertz@gmail.com),
Text editor: Donnyantoro,
Photo: Arbi
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Dari tiga pilihan motor penggaruk tanah di bawah ini, mana yang paling loe suka bradsis?
A. Kawasaki KLX 250 (33)
B. Yamaha WR 250 R (51)
C. Viar Cross X 250 SE (43)
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