Debt Book: Loans & Collection

Debt Book is a notebook for money owed to you and for collecting it. Record who owes you, your business or your group, then collect on time. Made for private lenders, shop and small business owners, and treasurers of neighbourhood groups, savings clubs (arisan), small cooperatives and associations.

Debt Book only KEEPS RECORDS. The app does not provide, arrange or offer loans, and no money is paid inside the app.

PERSONAL, BUSINESS AND GROUPS
Loans to family or friends, customer and staff credit, neighbourhood savings and loans, co-ops and savings clubs, and recurring dues such as a neighbourhood fund or rubbish collection. One person can have several debts in different groups, each with its own balance.

YOUR OWN RULES OR GROUP RULES
One-off, instalments plus a service fee, a fee each meeting with the principal at the end, principal any time, or a recurring bill. Daily, weekly, monthly, every Javanese 5-day pasaran (Legi, Pahing, Pon, Wage, Kliwon) or every 35-day selapanan. Fee as a percentage or a fixed amount, on the original or the remaining principal, up-front deduction, late fees and rounding.
A group can have the same rules for every member. Locked fields fill in automatically, with a padlock, on every new loan, for example instalments every Legi with a 2% fee on the original principal. Rule changes for running loans start from the next due date, and every bulk change can be undone.

COLLECTION
A daily Collect list: due today, late, promised and due tomorrow. One Collect button to log the result (a promised date becomes a reminder) or to collect via WhatsApp with a polite message already written; you press send yourself. On track, Late, Bad debt and Paid off status at a glance. Postpone or bring forward due dates for one loan or a whole group.

PAYMENTS, RECEIPTS AND RECEIPT PRINTER
Search the name and tap Pay on the debt being paid. Numbered receipts with the amount in words, the fee and principal split and a PAID OFF stamp can be shared as an image or PDF. Have a 58 mm Bluetooth thermal printer? Print payment receipts and disbursement notes straight from the app (optional).

REPORTS
Monthly and per-group summaries: lent, principal returned, fees received for the fund, balance owed and bad debt. Export to Excel or PDF.

CREDIT CALCULATOR AND ONLINE LOAN COST CHECK
Work out installments for a home mortgage, vehicle credit, general credit and Islamic murabaha financing before you decide, with tiered rates, upfront costs and early repayment. The Online Loan Cost Check shows the real cost of an online loan offer and compares it with the interest and fee limits set by Indonesia's financial authority (OJK), so you can spot illegal lenders. This page has no ads.

PRIVATE, NO ACCOUNT
No sign-up and no login. All records stay on your phone and work offline. Optional PIN or fingerprint lock, backup and restore with one file. No contacts, location, camera or storage permission.

Available in English and Indonesian. Amounts are shown in Indonesian rupiah.
Guide: https://kuduscyber.id/hutang/panduan.html#en

Debt Book is free and supported by ads.

Recent changes:
First release: record money owed to you, your business, neighbourhood group, savings club or co-op; group rules with locks; daily to pasaran instalments with fees; a daily collection list, WhatsApp reminders and payment promises; numbered receipts and optional 58 mm Bluetooth printing; change due dates; Excel/PDF reports; Credit Calculator and Online Loan Cost Check; PIN lock and backup. Two languages.