{"id":26146,"date":"2019-10-28T19:26:14","date_gmt":"2019-10-28T12:26:14","guid":{"rendered":"https:\/\/buruhmigran.or.id\/?p=26146"},"modified":"2019-11-01T19:31:17","modified_gmt":"2019-11-01T12:31:17","slug":"panduan-agar-disiplin-membayar-hutang","status":"publish","type":"post","link":"https:\/\/buruhmigran.or.id\/en\/2019\/10\/28\/panduan-agar-disiplin-membayar-hutang\/","title":{"rendered":"(Bahasa Indonesia) Panduan Agar Disiplin Membayar Hutang"},"content":{"rendered":"

Sorry, this entry is only available in Bahasa Indonesia<\/a>.<\/p>

Hutang terkadang dapat menjadi solusi ketika seseorang terhimpit kebutuhan mendadak yang harus segera dipenuhi. Misalnya, Pekerja Migran Indonesia (PMI) berhutang karena ada anggota keluarganya di tanah air sedang sakit dan butuh biaya berobat atau kebutuhan sekolah anak yang tak dapat ditunda. Meski berhutang, jangan sampai kita hutang hanya untuk memenuhi keinginan pribadi yang bukan menjadi prioritas kita.\u00a0<\/span><\/p>\n

Dalam norma agama dan masyarakat, berhutang sah-sah saja dengan syarat dikembalikan dalam jangka waktu tertentu yang telah disepakati. Jangan sampai hutang menyusahkan orang yang meminjami dengan menunda-nunda pembayaran atau bahkan tidak membayarnya. Dalam berhutang, ada panduan yang perlu dilakukan agar terhindar dari hal-hal buruk yang disebabkan oleh kelalaian membayar hutang sebagai berikut ini:\u00a0<\/span><\/p>\n

    \n
  1. Catatlah jumlah hutang meskipun nominalnya sedikit. Buatlah perjanjian tertulis dengan orang yang meminjami uang di depan saksi yang dapat dipercaya oleh peminjam dan pemberi pinjaman;\u00a0<\/span><\/li>\n
  2. Jangan remehkan nilai hutang. Meskipun jumlahnya sedikit, hutang tetaplah hutang;\u00a0<\/span><\/li>\n
  3. Jangan merasa tenang jika masih memiliki hutang. Sebaliknya, anda harus berusaha membayar hutang walaupun dengan mencicil sedikit demi sedikit;\u00a0<\/span><\/li>\n
  4. Jangan melarikan diri atau pura-pura lupa agar terbebas dari tagihan hutang;\u00a0<\/span><\/li>\n
  5. Berikan penjelasan kepada orang yang memberi pinjaman jika belum mampu membayarnya;\u00a0<\/span><\/li>\n
  6. Bayar hutang Anda sesuai dengan waktu dan tanggal yang telah disepakati bersama di hadapan saksi;\u00a0\u00a0<\/span><\/li>\n
  7. Jangan jadikan hutang sebagai kebiasaan, karena dapat menyebabkan kecanduan yang berakibat buruk;<\/span><\/li>\n
  8. Hindari berhutang untuk memenuhi keinginan hidup mewah atau membeli barang-barang yang tidak dibutuhkan demi tren;\u00a0\u00a0<\/span><\/li>\n
  9. Jangan menunda pembayaran hutang jika sudah memiliki uang untuk mengembalikannya karena tidak ada yang tahu umur Anda sampai kapan; dan<\/span><\/li>\n
  10. Ingat selalu keluarga dan saudara, jangan sampai membebankan hutang kepada mereka karena Anda tidak membayarnya.<\/span><\/li>\n<\/ol>\n

    Dengan panduan di atas, diharapkan Anda sadar bahwa hutang bukanlah jalan pintas untuk membeli atau mengikuti gaya hidup sesuai keinginan. Di samping disiplin dan memperhatikan adab dalam berhutang, sebaliknya Anda pun perlu berhati-hati ketika meminjamkan uang kepada orang lain. Pastikan Anda mengenal dengan baik orang yang dipinjami, memiliki nomor kontak, identitas keluarga atau alamat tempat tinggalnya, serta membuat perjanjian utang piutang dengan jelas. Jangan sampai Anda pun menjadi korban penipuan berkedok meminjam uang, meskipun itu adalah teman sendiri.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

    Sorry, this entry is only available in Bahasa Indonesia<\/a>.<\/p>\n

    Hutang terkadang dapat menjadi solusi ketika seseorang terhimpit kebutuhan mendadak yang harus segera dipenuhi. Misalnya, Pekerja Migran Indonesia (PMI) berhutang karena ada anggota keluarganya di tanah air sedang sakit dan butuh biaya berobat atau kebutuhan sekolah anak yang tak dapat ditunda. Meski berhutang, jangan sampai kita hutang hanya untuk memenuhi keinginan pribadi yang bukan menjadi prioritas kita.\u00a0<\/p>\n","protected":false},"author":729,"featured_media":26147,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4917],"tags":[5210,5186,3308],"class_list":["post-26146","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-panduan-wirausaha","tag-disiplin-bayar-hutang","tag-panduan-pmi","tag-pekerja-migran-indonesia"],"yoast_head":"\n(Bahasa Indonesia) Panduan Agar Disiplin Membayar Hutang - Pusat Sumber Daya Buruh Migran<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/buruhmigran.or.id\/en\/2019\/10\/28\/panduan-agar-disiplin-membayar-hutang\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"(Bahasa Indonesia) Panduan Agar Disiplin Membayar Hutang - Pusat Sumber Daya Buruh Migran\" \/>\n<meta property=\"og:description\" content=\"(Bahasa Indonesia) Hutang terkadang dapat menjadi solusi ketika seseorang terhimpit kebutuhan mendadak yang harus segera dipenuhi. 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