Muhammad Suhada has had enough with short-term loans from informal or individual lenders. Because of such loans, this CEO of Malia Sahid is carrying a debt burden with a 5-7 percent interest per month. He was forced to apply for a loan to an informal lender of up to billions of rupiah because he needed fresh funds to expand a property project he was working on.

He needed additional funds to cover operational costs, such as paying the wages of c