This is because practice is a trusted loan management institution that strives for the best solution for banks and borrowers.

Collaboration with the banks is mostly due to the practice of helping customers who are willing to pay off their loans but encounter obstacles to doing so. The bank sees this as an opportunity to solve their customer's loan problems.

Practice is not a bank or loan provider. However, if you have an old loan and feel your installments are too heavy, we can offer you new loans with interest and lighter installments from one of our partner parties to cover your old loan.

Your credit report at BI (Bank Indonesia) will still indicate that you have a chance to pay your bill. But ideally, after 2 - 4 weeks after the payment of the bill, the practice will send you a debt settlement letter from the bank. You can use this letter as proof of credit repayment to help you apply for credit from the bank in the future. The majority of banks will accept this e-proposal because of the Existing Letter proving that your previous arrears have been paid.

The majority of online credit services have high interest rates that cause your bills to swell in a short time.

If you have a bank loan / online lending institution AND have a credit card loan, KTA (unsecured credit) or KMG (multipurpose credit) in banks with a nominal value above Rp10 million, practice can find a solution for both problems.

If you only have loans from banks / online lenders, practice can help you get a better loan offer through our partners. You can pay off your old bills and continue to pay bills to our partners with lower interest rates that are adjusted to your ability to pay.

If you have filled in your data during working hours (including your full name, e-mail address and telephone number), chances are we will contact you within 30 minutes. Check your e-mail inbox for e-mail from us. If you receive a complete data notification, immediately complete your data so we can contact you. If you receive our welcome mail , please click the 'call now' button if you want to contact us. Thank you, our patience is greatly appreciated.

If you have filled in your data during working hours (including your full name, email address and telephone number), chances are we will contact you within 30 minutes. Check your email inbox for email from us. Please do not forget to check your spam inbox. Your patience is greatly appreciated.

Sorry for the inconvenience. Practice services are available on weekdays (Monday - Friday) with operating hours (07.00 AM - 21.00 PM). In the case of calls made outside service hours (weekends / national holidays), we will reach back to you on the next available business day. Your patience is greatly appreciated.

Sorry for the inconvenience. It is likely that currently the practice is experiencing an increase in the number of customer consulting services, making it difficult to contact our consultants. amalan continues to strive to improve the quality of the service system. You can also contact us via phone number 0855-74678940 or 021-27899573.

We apologize for the inconvenience you experienced. Please inform the name and telephone number you used to connect with our consultant. All of our phone calls have been recorded and archived, and we will review your calls with our consultants to ensure you get the best service from practice.

All of our customers have different histories and situations. We strive to plan solutions tailored specifically for you. Our services include the process of negotiating outstanding bills, reducing interest rates or increasing repayment periods, and replacing expensive old credit with new, more affordable credit. If you provide complete information and data, it will make it easier for us to provide the best solution for your situation.

If you are a customer on a loan management program, you can direct your phone call from a debt collector to the debt collector hotline practice at 021-27899553, where your debt collector will be informed about the status of your bill payment. If your debt collector does not perform procedures in accordance with applicable law, amalan has amalanPROTECT, the practice will send your complaint through this link. If your situation with the debt collector has still not improved, the complaint will be continued to OJK.

If you don't join a loan management program, you have to face your own debt collector. Click here for tips on dealing with debt collectors.

Your data is required to determine the best solution to overcome your loan problems. The more complete your data, the more it helps us to facilitate the negotiation process and get the best results for you.

You don't need to worry. The IT system has been equipped with a security system that meets the criteria for maintaining the confidentiality of your data. All your data has been encrypted when sent to us, and the data is stored on a server that has also been encrypted safely.

These documents are required as proof for the bank in facilitating the negotiation process and getting the best results for you. Each bank usually has different document requirements, so that when you enter a practice program with several different loans, it is likely that we will ask you to prepare a number of documents.

The practice only serves loan negotiations with lending bodies that are registered with OJK. However, if you have problems with other borrowers, you can still apply to the loan consolidation program from one of our partners. Please check that you are qualified to join the program through this link.

We understand your desire to get relief from the bank. Please keep in mind that the bank will prioritize waivers to borrowers who have experienced payment difficulties. One way to reduce your monthly billing costs without being exposed to blacklists is to consolidate / refinance your loans with a loan consolidation program from one of our partners. Please check that you are qualified to join the program through this link.

If your mortgage loan has not been in arrears and you want to reduce your monthly billing fee, one of our partners can help you to move to a new home installment program with lower interest / longer installment period.

When your mortgage loan has not been overdue, we can help you.

If you are already a customer of practice with other loan problems, we can help you to change the credit structure with your lender or help you sell your car through a partner. You may use thee buy my car service to pay off your car loan bill.

If you only have a car loan, you can contact your lender directly and request credit restructuring or sell your car through a partner. We help you sell car to pay off your car loan bill.

The practice has not negotiated with the Pegadaian and has not worked together to handle the redemption of mortgaged goods. We apologize for this inconvenience.

I was actually able to pay my debt bills, but wanted to get a cut to be more economical.

The loan management program from practice will produce maximum savings, but only for people who have significant problems paying their monthly installments to the lending bank.

However, if you provide us with the appropriate data and information we need regarding your loan, we can offer you a loan consolidation program with one of our exclusive partners. This will reduce your interest and monthly installments without having to experience delays in payment, without the need to deal with debt collectors and the risk of being blacklisted by Bank Indonesia.

The loan management program from practice will produce maximum savings, but only for people who really cannot pay their monthly installments to the lending bank.

However, if you provide us with the appropriate data and information we need regarding your loan, we can offer you a loan consolidation program with one of our exclusive partners. This will reduce your interest and monthly installments without having to experience delays in payment, without the need to deal with debt collectors and the risk of being blacklisted by Bank Indonesia.

Practice helps many business owners who have credit card loans, KTA, and KMG (multipurpose credit) in financing their companies. This is only valid when the borrower is the sole business owner. We do not recommend loans where borrowers are on behalf of the company.