Tips for Paying Off Debt Using the 2026 Lebaran THR

Financial planning by Rista Zwestika, CFP WMI, says that THR funds can be used to settle debts, but it’s best to set repayment priorities based on debt type. ‘I usually use a simple approach. Expensive debt vs. manageable debt,’ she told ANTARA on Friday, 6 March. ‘Expensive debt such as credit cards, pay later, and high-interest consumer loans should be paid off first.’ Because these debts can burden finances, the repayment of expensive debt should be prioritised. Debts that are more manageable, such as a mortgage or low-interest loans that do not need to be paid immediately, in Rista’s view do not always have to be repaid using THR funds. ‘It does not always have to be repaid with THR. In uncertain economic conditions, maintaining liquidity is also important. Therefore I often convey the principle, ’You should not be debt-free, but out of money’,’ she said. In uncertain economic times, she says, some THR funds should be set aside as cash reserves as a precaution. The government has issued Circular Letter from the Minister of Manpower No. M/3/HK.04.00/III/2026 concerning the Implementation of the Provision of Religious Holiday Allowance for 2026 for Workers in companies. The Minister of Manpower Yassierli said that the provision of religious THR to workers is an obligation that must be fulfilled by employers.