Frequently asked questions

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About Us

What is amalan?

amalan is a social enterprise that helps borrowers who have difficulties making the payments on their loans. We develop a debt management program that takes into account ALL loans, ALL income and ALL assets to get the customer out of debt faster and paying less.

Where is amalan's office?

amalan has offices in Singapore, Jakarta, and Kuala Lumpur.

You can visit our Jakarta office on weekdays during office hours (7:00 AM to 20:00 PM) to consult with our team.

We recommend bringing the latest available billing statements or account statements for all your loans when you visit us in our office.

What is amalan's phone number?

Indonesia

Due to high call volume in Indonesia, we ask you to first submit some basic data about your case and we will then provide instructions on how to reach us.

If you already had your free consultation and have further questions, please contact your consultant directly using the contact details that we have sent you by email.

Singapore and Malaysia

Click here for the Singapore and Kuala Lumpur phone numbers. 

What is the best way to contact amalan?

For more information, you can contact us via the chat feature on our website or via Whatsapp.

To consult with our team regarding your loan issues, please fill in your data on this link and our team will contact you soon. 

You can also contact us

Please visit our blog for information and tips on managing your finances.

You can also follow us on facebook amalan.id, Instagram amalan.id, twitter @amalan_id, and Linkedin amalan international Pte. Ltd.

I want to visit amalan's office. What are the office hours?

If you want to consult further in our Jakarta office, please visit during office hours Monday - Friday from 07.00 AM to 20.00 PM.

I live outside Greater Jakarta Area (Jabodetabek). Can amalan help?

We provide services for the majority of large banks throughout Indonesia, including: BNI, CIMB Niaga, Citibank, DBS / ANZ, HSBC, Mandiri, Standard Chartered, and many more.

For certain banks, if you are domiciled outside Greater Jakarta Area, we need to physically meet their regional collection departments. Therefore, we would need to charge our full travel cost in addition to our success fee, which will only make sense for loan balances above Rp200 million. 

How do I know that amalan is not a fraud? Is amalan regulated by OJK?

PT amalan international indonesia operates under license 955/1 / IU / PMA / 2016 from BPKM (Investment Coordinating Board).

amalan is also the only provider of debt management programs in Asia with accreditation from IAPDA (International Association of Professional Loan Arbitrates).

amalan is also registered at OJK under regulation number 13/POJK.02/2018 and a registered member of the Indonesian Fintech Association since April 2017.

Is amalan a law firm?

amalan is not a law firm. 

We are Indonesia's leading, trusted, and professional provider of debt management programs to reintegrate consumers into the financial system.

PT amalan international indonesia has a permanent operating license from BKPM (Investment Coordinating Board) in Indonesia and is the only company in Asia that is accredited by the International Association of Professional Debt Arbitrators IAPDA.

How do I complain?

You can send email to pengaduan@amalan.com for any maladministration or suspicious activities related to amalan.

amalan's process

I need assistance with my debt problems. How can I engage your services?

If you are interested in using our services, please fill in the required information through this link and our consultation team will contact you to provide a free consultation in pertaining to your to credit card loans, KTA (unsecured loans), KMG (multipurpose loans), or mortgage.

Are there any criteria that I would have to fulfill to engage in your services?

Customers who can be assisted by the practice team are customers who:

  1. Own a credit card credit card, KTA (unsecured credit), KMG (multipurpose credit), or KPR (mortgage) with a minimum balance of Rp10 million in banks.
  2. Customer who are willing to pay off at least a portion (10%) of the loans borne by the bank.

Possess loans that have been running for at least 12 months. This is as such because, in general, banks only allow loans that have been running for a minimum amount of time to be restructured.

What are the programs or services provided by practice?

We provide several alternative solutions for credit card loans or unsecured loans (KTA) and multipurpose credit (KMG). We will also attempt to help with loans rendered by online lenders, mortgage (KPR) and vehicles, where possible.

How much do I have to prepare?

You can simply prepare the following:

  1. An advance for loan repayment.
  2. A deposit fee of Rp250,000. This deposit will reduce the service fee (Success Fee) in the future.
  3. The service fee (Success Fee) is an estimated 25% - 30% of the difference between the newly successfully negotiated repayment amount and the number of loan deductions you are eligible for (minus the quarter deposit that has been paid). If we fail in negotiating the relief program, we will not charge a service fee (Success Fee). However, if we succeed, we only ask for a 25% - 30% fee, essentially saving you 70% - 75% of the loan amount.
What is meant by saving my money / what do you mean by saving?

If you choose a settlement with the discount program, the savings you make will be obtained from a number of discounts offered by the bank. Hence, the savings are the difference between the amount that was originally charged and the amount charged after the discounts.

If you choose a fixed installment program, savings will come from your monthly installment difference from before and after entering the regular installment program.

What is meant by 'Success Fee'?

Service fees (Success Fees) will only be paid AFTER you agree with the results that have been practiced. The exact calculation will be slightly different for the completion of the discount program and the fixed installment program. But in general, we will only charge service fees if we succeed in reducing the amount of loans that must be paid to the bank.

Why am I charged a service fee (Success Fee)?

The advantage of service fees (Success Fees) is that you will feel confident that we will try our best to produce the best value that you can save. The more cost you can save, the lighter the cost you can get to complete your loan.

How is the service fee calculated for the discount program?

The service fee or Success Fee is a fee for the negotiation with the bank conducted by practice, which is an estimated 25% of the loan discount that you could get. You only need to pay a service fee (Success Fee) after you agree to the settlement offer from the bank. If we are not successful in resolving your loan problem, a service fee (Success Fee) will not be charged.

What is an example of a service fee calculation (Success Fee) for the settlement program with deductions?

For example, if you have a credit card loan of Rp10 million and after using the practice service the bank gives a discount of Rp4 million which results in the remaining loan being Rp6 million. As such, the service fee will be 25% of Rp4 Million (the discount) which is Rp1 Million. The mentioned Rp1 million will only be paid to the practice as the service fee (Success Fee) after you agree with the results of the negotiations from the bank. Therefore, you save more than Rp3 million after the deduction of the service fee (Success Fee), preparation of documents, negotiating, and of course, payment according to time and destination account.

How does the calculation of service fees (Success Fees) for fixed installment programs work?

If you opt to participate in a fixed installment program, you will be charged a slightly different service fee (Success Fee), which is an estimated 30% of your installment difference for the first 6 months.

What is an example of calculation of service fees (Success Fees) for settlement programs with fixed installments?

For example, if you have a current installment of Rp3 million per month and after negotiations with the bank your installment becomes Rp1 million per month, your service fee (Success Fee) will now be 30% of your installment difference where the difference is Rp. 2 million (difference between initial instalment of Rp3 million and post-negotiation instalment of Rp 1 million). Since the service fee is 30% of the difference (Rp2 million) it would amount to an estimated  Rp600,000 for the first 6 months.

Hence, you only have to pay Rp1.6 million per month, allowing you to save Rp1.4 million per month which can then be allocated for other needs.

It is not advisable to be late in making installment payments within the first 6 months, because if you make a late return, the bank will find it difficult to give the installment program back.

* Service fee (Success Fee) will also be offset by a deposit that has been paid during the negotiation period.

What is the deposit fee?

The deposit fee is a fee of Rp250,000 which is paid quarterly during the negotiation process. However, you don't need to worry because this deposit will also be used to offset the service fees (Success Fee) should the negotiation process be successfully agreed upon (within a certain period).

When is my negotiation process done?

After you are officially registered with the practice program, we will give you an estimate of the amount of funds needed for the first settlement of your loan. When you have set up funds, we will immediately negotiate with the bank.

Why is the loan amount at least Rp10 million?

The practice is always looks for the best deals for its customers. Our experience says that for loans under Rp10 million, it would be more profitable for you to contact the lender directly. This is due to the fact that the case will not be too complicated, so you can negotiate with the bank privately.

Why can't I just negotiate with the bank?

For the remaining loans with a nominal value that is not too large (under Rp10 million), it is in your best interests to deal with the bank itself. 

However, for a minimum nominal of Rp10 million, especially with more than one loan, you will realize that working with practice is the most efficient and effective way to deal with the complexity of the negotiation process and get the best results in reducing your loan burden.

In addition to getting the best deals, you can save your time and energy to do your daily activities. Although loan negotiations can be done privately, the process that needs to be passed is not easy. Document preparation and meetings with banks can be difficult, especially when you are not familiar with the process.

Working together with practice also gives you access to refinancing opportunities with our partners in the form of bailouts to pay your current bills with interest and lighter installments. This offer will only be obtained if you use our services.

How do I complain?

You can send email to pengaduan@amalan.com for any maladministration or suspicious activities related to amalan.

Terms & Conditions

Why can banks approve loan management programs offered by practice?

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.

Can I apply for a loan to practice?

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.

Will my name be bad in the eyes of BI (Bank Indonesia)?

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.

Can practice help negotiate with online banks or institutions other than banks?

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.

I have filled out the data, but have not been contacted.

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.

I have waited for days, but I have not been contacted yet.

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.

I contact practice on holidays / weekends. Why there is no answer?

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.

Why is it difficult for me to get in touch with the practice?

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.

I have talked to the practice consultant, but the response is not pleasant.

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.

How does the practice help ease my loan bill?

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.

I was disturbed by debt collector. What should I do?

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.

Why do I have to provide my data?

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.

Is the data I provide safe?

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.

Why do I have to prepare several documents?

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.

I have a problem with loan sharks / family / online banks / multifinance companies / online credit services. Can you help?

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.

My loan bill is frequently late and I want to negotiate so that the monthly bills / interest charged is smaller.

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.

What about mortgages, can you help?

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.

What about car payments, can you help?

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.

What about pawnshops, can you help?

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.

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 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.

Can the practice help company loans?

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.