{
    "success": true,
    "data": {
        "id": 1593813,
        "msgid": "tips-for-paying-off-debt-using-the-2026-lebaran-thr-1772809210",
        "date": "2026-03-06 21:29:00",
        "title": "Tips for Paying Off Debt Using the 2026 Lebaran THR",
        "author": "Cahya  Mulyana",
        "source": "MEDIA_INDONESIA",
        "tags": "",
        "topic": "Economy",
        "summary": "Finance expert Rista Zwestika warns that THR funds can be used to settle debts, but repayment should be prioritised by debt type, prioritising high-cost obligations like credit cards and pay-later loans. She cautions that not all debts\u2014such as mortgages or low-interest loans\u2014need to be cleared with THR, stressing the importance of liquidity in uncertain times. The piece also notes the government's circular on THR for 2026, which obliges employers to provide THR.",
        "content": "<p>Financial planning by Rista Zwestika, CFP WMI, says that THR funds\ncan be used to settle debts, but it\u2019s best to set repayment priorities\nbased on debt type. \u2018I usually use a simple approach. Expensive debt\nvs.\u00a0manageable debt,\u2019 she told ANTARA on Friday, 6 March. \u2018Expensive\ndebt such as credit cards, pay later, and high-interest consumer loans\nshould be paid off first.\u2019 Because these debts can burden finances, the\nrepayment of expensive debt should be prioritised. Debts that are more\nmanageable, such as a mortgage or low-interest loans that do not need to\nbe paid immediately, in Rista\u2019s view do not always have to be repaid\nusing THR funds. \u2018It does not always have to be repaid with THR. In\nuncertain economic conditions, maintaining liquidity is also important.\nTherefore I often convey the principle, \u2019You should not be debt-free,\nbut out of money\u2019,\u2019 she said. In uncertain economic times, she says,\nsome THR funds should be set aside as cash reserves as a precaution. The\ngovernment has issued Circular Letter from the Minister of Manpower\nNo.\u00a0M\/3\/HK.04.00\/III\/2026 concerning the Implementation of the Provision\nof Religious Holiday Allowance for 2026 for Workers in companies. The\nMinister of Manpower Yassierli said that the provision of religious THR\nto workers is an obligation that must be fulfilled by employers.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/tips-for-paying-off-debt-using-the-2026-lebaran-thr-1772809210",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}