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Personalized solutions

As the leading provider of debt management programs in Indonesia, amalan develops personalized solutions that get borrowers out of debt faster and paying less.

We use a unique combination of tools including settlements, loan rescheduling, loan consolidation and mortgage refinancing. 

Debt Management Program

Debt Management Program

We work FOR the borrower and WITH their lenders to develop a debt management program that takes into account the borrowers ability to pay based on ALL of the borrower's loans, ALL income and ALL assets.

amalan then negotiates with the current lenders to obtain discounts on the outstanding amounts and/or lower monthly payments ("rescheduling").

Where possible, we will see if old expensive loans can be paid off at a discount with new cheaper loans from new lenders ("refinancing"). 

CardCutter & CardCutter+

CardCutter & CardCutter+

amalan developed CardCutter and CardCutter+ to make it faster and cheaper to get out of debt.

Together with our partner KoinWorks, we offer Indonesia's first OJK regulated loan consolidation products that allow heavily indebted individuals to pay off multiple expensive loans with one cheaper loan. 

Mortgage Refinancing

Mortgage Refinancing

Mortgage Refinancing means paying off an old mortgage with a new mortgage. Using our expertise and our relationship with our mortgage partners, amalan can use a new mortgage to generate extra cash that can be used to pay off old expensive loans.

Through our mortgage partners, we can get the best interest rates with the longest tenor and the lowest monthly installments.