Jurnal Melayu

Jurnal Melayu DBP

 SUSUR GALUR AMALAN BERHUTANG DALAM KALANGAN MASYARAKAT MELAYU

(The Historical Background of Monetary Borrowing Practices among the Malays)

Nor Asmat Ismail

norasmat@usm.my

Pusat Pengajian Sains Kemasyarakatan,

Universiti Sains Malaysia.

Hainnur Aqma Rahim

hainnuraqma.rahim@gmail.com

Pusat Kajian Pengurusan Pembangunan Islam (ISDEV),

Universiti Sains Malaysia.

Abstrak

Artikel ini menghuraikan gelagat dan punca masyarakat Melayu suka berhutang yang diamalkan sejak zaman sebelum Malaysia mencapai kemerdekaan hingga kini. Kajian yang dijalankan bersifat kualitatif dan huraian dibuat berdasarkan kajian kepustakaan dengan meneliti kajian lepas, catatan sejarah dan Laporan Tahunan Bank Negara Malaysia 2015. Hasil penelitian menunjukkan bahawa masyarakat Melayu pada masa dahulu berhutang bukan hanya untuk memenuhi keperluan hidup bagi golongan miskin, tetapi juga untuk bermewah-mewah bagi golongan berada yang bertujuan meningkatkan status sosial mereka. Amalan berhutang masyarakat dahulu memberikan kesan buruk kepada generasi kini kerana ribuan hektar tanah orang Melayu tergadai kepada golongan Chettiar, ekoran kegagalan membayar balik hutang kerana kadar bunganya yang tinggi dan menindas penghutang. Amalan berhutang yang bukan bertujuan memenuhi keperluan hidup masih lagi diamalkan hingga kini.

Kata kunci: masyarakat Melayu, hutang, komuniti Chettiar, tanah orang Melayu, tergadai 

Abstract

The Malay Community from the past to the present is often associated with debt. This paper describes the reason and the behavior of the Malays involved in monetary borrowing since before Malaysia achieved independence. This paper uses a qualitative method and the description is based on past studies, historical records and Bank Negara Malaysia’s Annual Report 2015. We found that the Malays fall into debt not just to meet their necessities in the case of poor people, but in the case of the rich, for luxury and to improve their social status. The practice of monetary borrowing has had a detrimental impact on the present generation, as thousands of hectares of Malay land were pledged to the Chettiars, as a result of failure to repay debt due to high interest rates and oppressive creditors. Going into debt for reasons other than necessity is still the practice today.   

Keywords: Malay community, debt, Chettiar community, Malay land  

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