Jumat, 22 Juni 2012

Kredit Syariah Solusi Kenaikan DP Motor

JAKARTA – Uang muka kredit kendaraan bermotor sudah naik menjadi 25 persen sejak 15 Juni lalu. Konsumen sudah tidak bisa lagi mendapatkan sepeda motor hanya dengan memberikan uang muka Rp500 ribu. Tapi masih ada beberapa alternatif, seperti sistem syariah. Beberapa produsen sepeda motor seperti Astra Honda Motor (AHM) dan Suzuki Indomobil Sales (SIS) R2 dan APP-KTM, menawarkan alternatif dengan menggunakan sistem kredit syariah. Pengaturan besaran kenaikan uang muka kredit memang tidak diberlakukan di sistem syariah. AHM sebagai agen tunggal pemegang merek Honda, akan mengedepankan sistem syariah untuk memudahkan konsumen. Dengan sistem kredit ini, DP hanya dikenakan sebesar 15 persen dari harga asli. "AHM punya solusi dengan sistem kredit syariah, yang menawarkan uang muka sebesar 15 persen. Kelebihan sistem syariah ini juga tidak terkena penalti dan semua peraturannya akan disesuaikan dengan hukum syariah," ujar Deputy Sales Division Head AHM, Thomas J.A. Wijaya. Beberapa diler resmi Honda di seluruh Indonesia sudah memberikan opsi ini kepada konsumen. Dengan selisih yang cukup besar dibandingkan sistem kredit konvensional, diharapkan sistem syariah bisa menjadi solusi terbaik kepada konsumen yang masih membutuhkan uang muka ringan. Syariah memberikan kemudahan di awal, hanya angsuran yang dibayarkan akan lebih tinggi. Senada dengan Honda, SIS R2 sebagai agen tunggal pemegang merek Suzuki, mengandalkan kredit syariah untuk mengantisipasi kenaikan DP ini. Dengan sistem ini diharapkan penjualan motor Suzuki akan stabil tanpa harus merevisi target di 2012 ini. “Kita mengantisipasinya dengan sistem syariah. Memang dengan sistem ini konsumen dimudahkan di awal, dengan uang muka yang lebih kecil. Tapi, agak tinggi di cicilannya. Ada sisi positifnya dengan kenaikan DP ini, konsumen yang ada sekarang jadi lebih berkualitas,” jelas Deputy General Manager SIS R2, Suandi Widiarto Deputy GM SIS R2. SIS menargetkan penjualan sebanyak 700 ribu unit di 2012 ini, dimana tahun lalu hanya sekitar 500 ribu unit. Andalan penjualan Suzuki ada di varian Suzuki Satria 150 dan Suzuki Nex, baik versi injeksi ataupun karburator. Selain pabrikan Jepang, produsen sepeda motor asal China APPKTM juga akan menerapkan sistem kredit syariah untuk mepertahankan angka penjualan. Harga yang ditawarkan APPKTM sendiri memang lebih murah dibandingkan dengan rival asal Jepang, namun APPKTM khawatir kenaikan DP ini bisa menggoyang pangsa pasar mereka yang lebih banyak di sektor niaga. "APPKTM juga menawarkan kredit syariah dan sudah menggandeng Adira sebagai perusahaan pembiayaan. Dengan sistem syariah yang muka hanya 15 persen, 10 persen lebih kecil dibandingkan konvensional. Kami memang baru kali ini menggunakan sistem syariah, mudah-mudahan penjualan tetap terjaga,” jelas GM Marketing PT Asean Motor International, Redy Sun. Info Selengkapnya

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