Understanding Debt Ratios Against Revenue and Impact for You

Many cases must be considered when applying for a loan, regardless of form, including credit cards, and personal loans. Some cases must be considered, for example, how much interest rates, annual fees, and how many installments to be paid a month. See also the agreement that has been agreed if there is an impression that must be accounted for if you are unable to pay the installments in a timely manner. Usually this has to do with the assets / assets that you make as collateral. Do not miss, of course you have to consider the debt and income ratio before applying for a loan.

Debt and Income Ratio (Debt to Income Ratio)


The definition of cagaran and income / debt to income ratio is a ratio that can see whether the monthly debt installment payment is in accordance with the amount of debt income that he will get. Usually this will affect the debtor (for example a bank) to see if you are worthy of a loan or not.

Submission of a loan, as well as a credit card or personal loan, it is usually possible to fulfill it if the prospective debtor has a fairly good debt to income ratio. This analysis is used as one of the foundation by the bank, because the bank will assume that you are quite responsible if you have a fairly good ratio.

Not only at the time of submission, debt and income ratios can also be estimated when you have got a loan. Basically, it is mandatory to have a debt that is lower than a month’s income, especially if the debt is consumptive.

Following is the formula for debt ratio and income:


How to Read the Debt and Income Ratio Score

After knowing the formula for debt ratio, the next step is to find out how to interpret it. Here is a guide to how to read it.

≤ 35% – Ideal / in accordance with income

The debt ratio in this figure means that your financial flows are ideal, and allow you to pay debts on a regular basis, without fear of being in arrears. By always being consistent and maintaining debt and income ratios at this number, and paying regular installments can also give an impression on your credit score on CCRIS and CTOS, which will be good and free of negative credit listings. Even with good debt and income ratios, you also have to keep your expenses safer and far from wasteful, so you can pay installments regularly.

36% to 49% – Less Ideal But Still Can Be Repaired

For this number, actually the ratio that you have is still quite good and can still be fixed, just not as ideal as the percent below. You still have the opportunity to deal with expenses that have not been guarded. Do not allow the debt ratio to your income to exceed 40%. So with that, if you are unable to maintain a ratio to stay consistent or lower the debt to income ratio, chances are that you can experience a crisis and no longer have the ability to pay off debts in the future.

≥ 50% – Not ideal

Understanding the debt ratio in this number is the existence of an imbalance between monthly income and the installments you pay each month. Usually if you have arrived at this number, you will no longer have the ability to pay installments, which will cause delinquent installments. If you have reached this number, there is better if you ask for help from a more experienced consultant to help you in reducing the contribution, and to increase income.


Let’s try applying it in an example case. For example, Budi’s monthly income is IDR 10,000,000, then Budi has an installment of several credit cards of IDR 5,000,000, then the debt ratio and Budi’s income is 50%.

Based on the guidelines for reading the debt and income ratios above, we can find out that the debt ratio is not healthy, because it hits 50%. Then how to overcome this? Shrubs in the next sub category.

How to Lower the Percentage of Debt Ratio to Revenue

In the example above, Budi has a debt ratio of 50%. Then what should be done if it has continued to experience a debt ratio in this number, and how to lower the percentage of the debt ratio? There are a number of things you can do:

Increase Revenue

The key to minimizing the debt ratio is found in both aspects of the estimate: monthly income and total installments. Let’s start with monthly income, the step you can do is to increase monthly income. If you currently have limited income, there are several ways you can do it.

The first way, if you are a worker, try to ask for a raise . Focus on the achievements that you have contributed to the company and make it as capital to negotiate a new nominal salary. Remember to always sell the quality of yourself, and avoid begging to the company, what more is the reason for having a lot of debt.

Second, you can also defeat him by looking for a side job. There are many opportunities that you can take advantage of, for example, being an article writer, language translator, even being a guide for online texting.

Third, look at the opportunities that exist. If possible, try to start trading from home. If you have a problem, you may ask for help from a partner or family. You can also take advantage of assets such as the train you have, or even use an empty land / room at home and process it to become an additional money producer.

Subtracting Debt Nominal

Before declaring the same as there may or may not reduce the nominal debt, one thing to remember is not to add new debts, including shopping with credit cards. This will only burden you and make you more difficult to pay off your debt and achieve a good debt ratio.

Speaking more about reducing debt, the answer is allowed, depending on the type of debt you have. If you now have a problem with credit card debt or personal loans that are in arrears and somewhat burdensome, it’s good to ask for help from consultants who are more professional in dealing with them. With this, you can be easier in paying off debt, and the amount of monthly income will not continue to be burdened with the amount of debt that must be repaid. There is usually a debt management program provided to help your problem:

  • One-Piece Discounts / Discounts: This type of relief program allows customers to get a nominal discount which is usually quite light, usually 20-50%, and must be paid in one payment. This type is suitable for those of you who do not have sufficient savings, who may decide to pay arrears.

  • Low Interest Rate Ansuran: Usually with this program customers can pay a lower interest rate. If the normal interest goes when it is around 2.25%, then it is possible to get an interest of 0-2% only, with a period of 60 months installments (in certain cases). The goodness of this program is that you can pay little by little without having to pick up your savings.

  • Disclaimer Ansuran: For the discount review program, usually you can benefit from the two types of programs above. But because it is combined, of course you cannot pay installments throughout the installment program, usually as much as 6 payments. Likewise for discounts, you do not get a discount for the same one-time discount program. This type of program can only be found in some banks.

One of the debt management program providers that you can use to overcome the problem of insolvent credit is Edmond Dante.

Edmond Dantès international is the first professional technology based company in Indonesia, which provides a debt management program. This program is designed so that customers who are in debt, have the ability to control their financial returns. Edmond Dantès Indonesia helps clients through a debt management program, specifically designed according to different requirements for each client. This program is a combination of upbringing on various opportunities to increase income and reduce expenses, and conduct negotiations on bank loan conditions that exist to reach the amount of payment that is in accordance with the ability. Edmond Dantès indonesia’s central official was established in Jakarta in 2015 by a founding team that has collective experience in the financial sector including debt settlement for more than two decades. Edmond Dantès made Indonesia as a center of operations once a blueprint for the company’s development plan to other ASEAN countries. Since July 2016, Edmond Dantès Indonesia has become the first company in Asia to be accredited by the International Association of Professional Debt Arbitrators (IAPDA).

Debt / Credit Card Debt: Lawyer or Debt Management Program?

Applying for loans such as KTA / KPR / other loans to the bank can be done when we need costs such as funds for education, hospital care costs, marriage, or it can be solely for shopping with a credit card. One thing that is often overlooked before applying for a loan is that there is no calculation with the possible details or whether someone can pay off the debt in the future. The impact is that someone can become entangled in debt that is hoarded and chased by the bank.

At this time, customers will often find ways to get a credit restructuring or relief program so that the debt they have can be lighter to pay off. Not everyone knows how to get this loan restructuring, so many people are looking for reinforcements to be able to help them free themselves from this pursuit. Often heard in our ears there are various ways available to be free for those of you who are caught up in credit card debt and credit. What are the differences and which are better for you? Check out the following points:


Definition of Credit Card Restructuring



Before starting which type of help is right for you, it’s a good idea to find out in advance what credit card restructuring customers get when they are in debt. According to the Bank Indonesia Regulation, credit restructuring is an improvement effort made by the Bank in credit activities to debtors who have difficulties in fulfilling their obligations. The results of this credit restructuring can usually alleviate customers so that they can better afford to pay. There are several types of relief programs that can be obtained, for example: getting a discount on credit, deductions with extended installments, or a combination of both.

Credit Card Attorney



Speaking of the credit card lawyer profession, you may have heard or seen the ad, often. The irresponsible person uses many of these ‘professions’ as fields to find sources of income. You need to know that the case of bad credit is a problem between the customer and the bank, so it does not make sense if there are parties who suddenly promise to give bleaching or big discounts so that you will come out of the pursuit of debt collector .

Simply put, if everyone who borrows money from a bank can be immediately free of debt due to credit card attorney bleaching, then everyone can arbitrarily earn money without having to work, right? The problem is not that easy, because if you have debt, of course you have to be paid, especially if the debt is due to the consumptive nature of users who cannot control, of course the attitude of responsibility will be clearly seen here.

In addition, many of the individuals involved have produced their advertisements in the mass media. In accordance with the Indonesian Advocates Code of Ethics issued by Peradi (Indonesian Advocates Association), Chapter VII Article 8 concerning Other Provisions on the Code of Ethics, shows that advocates should not advertise their services:

(b) Installation of advertisements solely to attract the attention of people is prohibited including the installation of signs with excessive size and / or shape.

(f) Advocates are not justified through mass media seeking publicity for themselves and / or to attract public attention regarding their actions as Advocates regarding cases that are being or have been handled, except if the statements that they provide aim to uphold legal principles that must be championed by every Advocate.

A credible lawyer is usually registered with the Association of Advocates / Lawyers. If the lawyer is indeed registered, then they are not justified in opposing the Code of Ethics, for example: advertising services through SMS.

More can be seen directly on the official website of Peradi here.

Be careful with irresponsible individuals who impersonate Credit Card Lawyers


Not infrequently, irresponsible credit card lawyers promise customers that they will get bleaching so they don’t have to pay at all, some promise discounts up to 90%. There is no bank that can give such promises, because after all the debt that someone already has is the responsibility for repayment. It is impossible for customers to be free of debt, especially by not paying at all.

In addition, some irresponsible individuals also ask customers to transfer a number of costs up front, so that the funds will then be used to pay to the bank so you don’t have to pay off again. Please note that the correct mediation services should ask customers to transfer all costs directly to the bank, without going through an intermediary. If the requested fee is a service fee, then the fee should be paid when the results of the negotiations with the bank have been obtained and agreed upon by both parties (banks and customers), and reached an agreement.

The following are examples of modes of fraud committed by irresponsible credit card lawyers:

  • Promising unreasonable deductions (bleaching, 90% discount, installments of IDR 50,000 – 100,000, – per month)
  • Office addresses change, or are often fictional
  • Request a lot of funds up front without any official results from the bank first
  • Advertisements for credit card attorney services are seen in mass media classified ads, some through spam in e-mail, SMS, or WhatsApp
  • Use a woman’s name / photo as if it were a lawyer who would handle your credit card.

As reported by Kontan , Ariwibowo, Head of the Payment System Development and Policy Bureau of the Directorate of Accounting and Payment Systems at Bank Indonesia, suggested that the public should not resolve their credit card problems through lawyers. This offer often adds to the customer’s own burden.

We advise you to be more aware of fraud modes in dealing with your credit / credit card debt. The lack of vigilance you have can result in even greater losses.


Negotiation Services / Credit Card Mediation


Negotiation / mediation services will usually take care of the entire negotiation process that should be carried out by the customer. Services like this are used usually because many customers do not understand the process that must be passed, and do not understand the tricks of how to negotiate with the bank.

There are several reasons why using negotiation services is the right step for those of you who are caught in credit card debt or KTA:

  1. Customers can focus more on raising funds so they can pay the remaining arrears. Debt owned by customers is in several banks, so it would be a waste of time to negotiate with all banks. Therefore, by using mediation services, customers usually do not have to bother managing negotiations, because they have already been transferred to negotiation services.
  2. In accordance with the type of service, of course negotiation / mediation services are more experienced in conducting negotiations, so that the benefits obtained by customers can be more.
  3. Usually already have an experienced team and many connections with various banks, so the negotiation results can be lighter.

One thing that needs to be known, although it tends to be more trustworthy, customers must also be careful in choosing which negotiation / mediation services are entrusted to solve their debt problems. In order not to be deceived, the customer must see whether the following points are in the value carried out by the service company:

  1. It does not promise that customers can be debt free without paying a dime to the bank.
  2. Do not ask for a service fee in advance, but the payment is made after the results of the negotiations come out, and agreed by both the customer and the bank, even the customer gets a Lunas Letter (as long as the customer makes a payment in accordance with the bank’s agreement).
  3. If there is a deposit fee requested in advance, make sure the fee can be returned if there are no negotiations within the specified time period.
  4. Check the official website and official social media account, make sure it looks professional and promising.
  5. Check the telephone number provided, do you have a toll-free number and make sure the service provided is friendly and competent when answering your telephone. Don’t trust mobile numbers, because credibility is questionable if there is no official telephone number.
  6. Make sure you have a complete and clear office address, even better if you can contact the office and see first hand how professional the service is from its employees.
  7. Check whether the mediation / negotiation services have been registered in a trusted system, and are accredited by international organizations such as IAPDA.

Read more about Tips on Selecting a Debt Advisor here.

One of the advantages of using negotiation / mediation services to overcome your debt is that you can focus on finding funds to pay off debts. Ask the negotiator / mediator to resolve your debt problem. One of the trusted negotiation / mediation services is PT Allan Quatermain international Indonesia . Allan Quatermain International is the first technology-based professional services company in Indonesia, which provides a debt management program. This program is designed so that consumers who are in debt, have the ability to control their finances again. Allan Quatermain Indonesia helps clients through debt management programs, specifically designed to suit different needs for each client.

This program is a combination of education on various opportunities to increase income and reduce expenditure, as well as conduct negotiation processes on existing bank debt requirements to reach the amount of payment that is in accordance with the ability. Allan Quatermain Indonesia’s head office was established in Jakarta in 2015 by a founding team that has collective experience in finance including debt settlement for more than two decades. Allan Quatermain has made Indonesia as the center of operations as well as a blueprint for the company’s development plan to other ASEAN countries. Since July 2016, Allan Quatermain Indonesia has become the first company in Asia to be accredited by the International Association of Professional Debt Arbitrators ( IAPDA ).

Why is IAPDA accreditation so important? As a pioneer organization for debt negotiation services certification, IAPDA has selected selectively which companies are considered to have full commitment in providing quality service and understanding the problem of debt settlement.

Capitalizing on this accreditation, Allan Quatermain provides human resources who understand the problem of debt settlement, as well as the best quality of service in serving customers. Therefore, it is expected that every customer who wants to transfer the debt problem to be resolved by the negotiating company, should first ascertain whether the company has been registered and accredited by the IAPDA. Given that Allan Quatermain operates as a company that operates with professionals, Allan Quatermain will charge a service fee for clients who use their services. No need to worry, because Allan Quatermain operates transparently and prioritizes customer trust as the main foundation, so that all costs will of course be directly discussed starting from the start when the client starts cooperation with Allan Quatermain. (Also read: Entangled Credit Card Debt: Bailout Funds or Negotiation Services? ) And ( Credit Card Debt / KTA: Family Assistance or Negotiation Services?)

After knowing the options that can be made to get relief, we hope you can decide on the most appropriate way to deal with your current debt bondage. Also read the following article why use the services of Allan Quatermain to be the right solution so that you are free from debt . Remember that the longer you struggle with debt, the longer your name will be free from the Bank Indonesia blacklist . The impact is of course you will find it difficult to apply for a loan in any form to the bank. So, solve your debt problems now, and achieve your new financial life now!



The best Loans and Credits | Payday Loans

If you are thinking of applying for a quick credit to cover a last-minute urgent need, you can resort to unsecured loans . Currently there is a large supply of quick loans in the market, carefully review what are the best options when applying for loans.

Loans without payroll are designed to adapt to the financing needs of each person and are granted in just a few minutes, in the most comfortable and safe way possible.

Antecedents of the loans without endorsement

Fast loans without papers arrived in Spain in 2008, as a result of the economic crisis that affected the whole country. Since then, and until today, its use has been increasing considerably.


On the other hand, these quick loans without payroll are extra money income, generally without interest and with very accessible requirements for everyone. The amounts of money and time of the credit are usually smaller than those that would be requested from a traditional entity.


How much money can be requested with a quick loan without endorsement?

The credits without paperwork instantly offered by most entities are limited amounts of a maximum of € 100, usually. However, Moomintroll can offer amounts of up to € 750; Moreover, the term of return of the credit is between 61 to 90 days.

In the case of the first loan, the amount does not usually exceed € 300, at 0%. In addition, unlike banks, at no time are asked for explanations about the use that will be given to the money.

Loans without endorsement in Spain

In Spain, the microcredit has managed to generate a dynamic that moves nearly 200 million euros with operations that do not exceed 600 €.

This market has attracted many companies providing financial services and banking entities. Consequently, they have diversified and popularized online loans, being forced to expand and bet on riskier formulas in order to get more customers.


Where do I find the best loan option without collateral or guarantee?

When talking about loans without payroll or endorsement only DNI between individuals, reference is made to loans of amounts or amounts without requiring a guarantee or endorsement from a third party. This type of loans is made between individuals, with interests agreed and regulated by law. A written contract is usually made to agree on the conditions.

Although they maintain some similar aspects with conventional money loans, such as: the study of the capital that can be requested, the terms and interest payable, these are loans aimed at people with difficulty accessing conventional credit. In Moomintroll we make it easy for you, because you will find the most transparent conditions from the first moment.

Five aspects to take into account to apply for loans

  1. The first thing that you should be clear about when applying for loans without questions is the amount of money that you are going to request and the term in which you want to return the loan. Use the simulator to determine the amount you can access and the companies that offer the best conditions.
  2. Make a careful investigation of the financial companies to know which offers the best conditions according to your needs.
  3. Carefully review the conditions before closing the agreement, never forget the fine print.
  4. Pay attention to the content of the agreement, quick loans without endorsement or interest must be completely free. Although they have no interest (0% APR), they may include additional expenses or commissions.
  5. In the case of applying for loans with ASNEF and without collateral, it is necessary to select well the financial company you are going to use. Also, you must be clear about the amount and time of return you need and, above all, not having incurred debts with other credit institutions.

Order your loan now!

Requirements to request loans online without endorsement


  • Your name and last name.
  • Have a Spanish DNI or NIE identity document that certifies you as of legal age.
  • Contact phone number.
  • Email.
  • Bank account in which the money will be deposited in case of approving the loan.

Recommendations when requesting quick loans without endorsement


It is true that these express loans are an alternative that can get you out of a last minute hurry, without cumbersome procedures. However, they are still a financial product, so you should inform yourself properly and be aware of your financial situation. If you finally decide to request them, you must be sure that you can comply with the agreement.

If you adequately fulfill your credit obligations, you will not have unexpected cost overruns that can affect your long-term economy and, therefore, you can access these quick loans without endorsement whenever you want.

I want my loan now!

Advantages of Moomintroll loans


These personal loans without endorsement have been created with a different objective to that pursued by traditional bank loans, since they are entered and reimbursed in the short term and by smaller amounts of money. Generally, they do not require having a payroll that guarantees regular income, nor do they ask for an endorsement to support the repayment of the loan.

Undoubtedly, all these characteristics make Moomintroll loans one of the best options to solve unforeseen situations. For example, if the heating breaks down just as winter begins and immediate repair is required, the best solution will be to resort to online loans. Further:

  • Personal loans without collateral offer greater accessibility than conventional loans, making them more attractive to many people.
  • The methodology is usually similar to that of online loans; the request is made through secure platforms such as Moomintroll , where some basic data are verified. In addition, all personal information requested is simply used to ensure that the person requesting the loan is a real natural person.
  • Generally, the application is free, and it takes little time to be evaluated and resolved. If the loan is accepted, the money is disbursed the same day to the applicant’s account.

What are you waiting to request your credit without endorsement? Talk to one of our expert advisors and take the step towards the financing you need at the hands of Moomintroll.