Dear siapapun yang sedang mengalami kondisi keuangan yang tidak baik atau terlilit hutang pinjol,
Dear anyone who is struggling financially or trapped in online loan debt,
Gimana sekarang? Udah agak tenang belum? W tau banget lo lagi kalang kabut, kepala penuh, hati capek. Tapi coba tarik napas dulu ya… ini semua masih bisa lo beresin.
How are you right now? Are you feeling a little calmer? I know your mind feels crowded, your heart feels tired, and everything seems overwhelming. But take a deep breath… this is something you can still fix.
W cuma mau ngingetin beberapa hal penting.
I just want to remind you of a few important things.
Pertama, lo harus sadar kalau gali lubang tutup lubang itu bukan solusi. Itu cuma bikin hutang makin numpuk dan hidup makin sempit. Jadi stop ya. Jangan buka pinjol baru lagi.
First, borrowing money to pay off other debts is not a solution. It only makes the debt grow bigger and your life feel tighter. So please stop. Don’t take out new loans again.
Kedua, lo harus berani rekap semua hutang lo. Tulis satu-satu tanpa ada yang ditutupin. Justru kalau angkanya jelas, pikiran lo jadi lebih terarah. Yang bikin panik itu bukan jumlahnya, tapi karena semuanya berantakan di kepala.
Second, be brave enough to list all your debts. Write them down one by one without hiding anything. When the numbers are clear, your mind becomes clearer too. What makes us panic isn’t always the amount — it’s the chaos in our head.
Ketiga, bikin prioritas. Fokus lunasin satu per satu. Jangan acak. Pelan tapi konsisten. Setiap satu yang lunas, itu progress. Itu bukti kalau lo lagi bergerak maju.
Third, set your priorities. Focus on paying them off one by one. Don’t do it randomly. Slow but consistent. Every debt you close is progress. It’s proof that you are moving forward.
Kalau ada yang nelpon atau chat nagih, angkat dan jawab dengan sopan. Bilang lo nggak lari dari tanggung jawab, cuma lagi butuh waktu. Kalau mereka ngancam atau nakut-nakutin, jangan panik. Biasanya itu cuma tekanan. Yang penting lo tetap ramah dan kooperatif.
If collectors call or message you, answer politely. Let them know you are not running away from your responsibility — you just need time. If they threaten or try to scare you, don’t panic. Often, that’s just pressure. The important thing is that you remain calm, respectful, and cooperative.
Dan ini yang paling penting…
And most importantly…
Perbaiki hubungan lo sama Allah. Jaga sholat 5 waktu. Di sujud terakhir, minta tolong sama Allah dengan sungguh-sungguh. Ngaku kalau selama ini mungkin lo lalai. Tenangin hati lo di situ. Percaya deh, kalau lo udah bener-bener usaha dan berserah, Allah pasti bukain jalan.
Strengthen your relationship with Allah. Maintain your five daily prayers. In your last prostration, sincerely ask Allah for help. Admit if you have been neglectful. Find peace there. Believe that when you truly strive and surrender, Allah will open a way for you.
Hutang ini bukan akhir segalanya. Ini cuma fase. Lo lebih kuat dari yang lo kira.
Debt is not the end of your story. It’s just a phase. You are stronger than you think.
Kalau lo butuh template Excel buat atur pembayaran cicilan, tinggal komen aja ya. Nanti aku kirim filenya biar lo bisa rekap dan susun strategi pelunasan dengan lebih rapi.
If you feel like you need an Excel template to help you organize and manage your payments, just let me know. I’ll send it to you. Sometimes clarity on paper makes everything feel lighter in your mind.
Aku menyayangimu karena Allah 🤍
I love you for the sake of Allah 🤍
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