Debt Management For Burden Free Financial Life

Debt Management For Burden Free Financial Life

Removing the Financial Cancer in Your Finance

28 November 2014
12 December 2014


AXA Tower 37th Floor
Jl Prof Dr Satrio Kav 18
Jakarta 12940, Jakarta Selatan

Bad Consumer Debt is a cancer to any financial condition, and many has no control over their debt condition. Unpaid debt will cause numerous damage to any individual or family life, and most of the time, the debtor cannot see the solution to their financial condition. This program is design to help those who are seeking solution to Consumptive Debt Management


  • Learn fundamentals of good cash management
  • Learn the nature of good debt and bad debt
  • Learn the process and the steps needed to be debt free

Financial Advisors, Financial Professionals, and Investors who wish to have a more in depth understanding to Manage and Be Free of Debt

1 Day



Certificate of Attendance from Multimatics

Module 1: For Individuals with No Debt Issues

  1. Choosing types of loan according to needs
  2. Choosing types of emergency funding
  3. Introduction to Individual Debtor Information, Bank Indonesia Checking, Bank Indonesia Blacklist, Negative List of Indonesian Credit Card Association / AKKI – Asosiasi Kartu Kredit Indonesia
  4. In-depth Nature of Credit Card
  5. Debt Problem “Early Warning System”

Module 2: For Individuals with Debt Issues

  • Debt Management Process
  • Collecting Data
    o   Personal Data: Family members, Status, Age, Job, Childrem Schools, etc.
    o   Income and Outcome
    o   Available Assets
    o   Institutional and Non Institutional Debts
    o   Overview of Financial Condition
  • Analyse Data
    o   Financial Summary Analysis
    o   In-depth Expenses Analysis; identify every outgoing cash flow
    o   Identify “Root of Problem”
  • Communicating the issues
    o   Skills for communicating the issue to couples
    o   Skills for communicating the issue to children
    o   Skills for communicating the issue to other family members
  • Develop Solution Plan
    o   Techniques and tips to  reduce expenses
    o   Cost and Benefit analysis in selling assets
    o   Loan Consolidation; secure and un-secured loan
    o   Negotiating with Creditors; Rescheduling, Interest freeze, penalty freeze, capital and interest discounts, administrations, terms and conditions, dos and don’ts, negotiation strategies, third party services
    o   Increase Income
    Implementation of Solution Plan
    Solution Plan Evaluation

Iwan Hartawan, S.Si
Mr. Iwan Hartawan is the founder of He is A Professional Debt Counsellor, Financial Planner, A Consultant, a Business to Coach to SME, and an avid entrepreneur. As  a Professional Debt Councellor, he has trained hundreds of Financial Professionals in skills to manage debt due to comsumptive lifestyle, over spending in Credit Cards, and quick unsecured loans. Lift of solusilunas,com includes corporations such as Bank Mandiri, PT. Pertamina (Persero) Tbk, and Garuda Indonesia. Pak Iwan is also has been invited as guest lecturers at University of Indonesia Faculty of Economic Master Program, and Rhenal Kasali School of Entrepreneur.


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