Protect Debtors' Loan Portfolios with Huskee Solutions
An upsurge in online lending usage in recent years has become a phenomenon that cannot be ignored. The ease of access, rapid processes, and minimal requirements have made the service popular with many people. However, behind the convenience lies a significant risk of default. Not a few people have fallen into a cycle of digging holes to cover holes, where new loans are used to repay old ones, while interest and penalties continue to accumulate. This places heavy psychological pressure on debtors and often leads them to panic and make poor decisions.
Director of Huskee, Santoso, stresses that default is indeed dangerous, but it does not mean there is no way out. According to him, with a professional approach, debtors can still find solutions that match their ability to pay, while creditors obtain certainty of payment to safeguard their credit portfolios.
“Debt problems from online loans can be overcome with the right strategy, not panic. Professional mediation helps to find a middle ground so that both parties are equally protected,” he said.
The first step to take is to record all obligations in full. Debtors need to map the principal amount, interest, penalties, and due dates for each loan. Without a complete picture, decisions tend to be reactive and may prolong the problem. With tidy records, debtors can see their financial position more clearly and prepare a realistic strategy.
After that, determining priorities becomes important. Not all debts carry the same urgency. Some loans are more risky due to long lateness, high collection intensity, or greater potential for legal escalation. By determining priorities based on risk, debtors can manage pressure in a systematic, not emotional, way.
The next step is to utilise legitimate restructuring channels. In line with consumer protection principles from the Financial Services Authority (OJK), debtors have the right to apply for restructuring when experiencing payment difficulties. Restructuring can take the form of an extension of tenor, adjustment of the instalment schedule, or negotiation of penalty reductions in accordance with creditor policies. This approach is far more effective than avoiding communication with lenders.
In addition, the “digging hole to fill a hole” pattern should be stopped immediately. Taking out new loans to cover old ones only increases the burden of interest and prolongs the problem. Recovery strategies must focus on stabilising cash flow, not merely deferring obligations.
In some cases, direct negotiations with creditors do not yield optimum results. This is where the role of professional mediation services like Huskee becomes relevant. Huskee helps open up more proportionate and well-documented channels of communication, ensuring the resolution process proceeds in line with regulations and reducing undue pressure.
Typically, mediation can reduce the amount of the debt and defer payment tenors as a form of relief. As a mark of credibility, Huskee holds a certificate from Komdigi. This demonstrates the company’s commitment to providing professional, legal mediation services that protect the interests of both parties. With legitimate mediation support, debtors have a greater chance of escaping the debt trap, while creditors continue to receive payment certainty.
The swelling debt from online lending (pindar) or pinjaman online (pinjol) rose to Rp94.85 trillion as of November 2025, reflecting the increasingly strained financial conditions of the public. The four main pillars, namely data collaboration, standardisation of risk assessment, risk-sharing schemes, and an integrated collaborative platform, form essential foundations that need to be strengthened.
Member of the Indonesian House of Representatives Commission III, Abdullah of PKB faction, praised the Indonesian Police’s Criminal Investigation Department (Bareskrim) for uncovering two illegal online lending (pinjol) cases that have ensnared up to 400 customers. Islamic econ expert Satria Utama of UMY noted that online gambling (judol) has greater destructive potential as it targets financially vulnerable segments of society. The Indonesian Fintech Lending Association (AFPI) together with 97 online lending platforms (pindar) rejected allegations of a cartel to fix a maximum interest rate. Property issuer PT Winner Nusantara Jaya Tbk (WINR) announced strategic steps to strengthen its market share in the Jabodetabek area.