Friend Dream also don't forget that Allah SWT is Most Wealthy. So, ask for His help through practice if you are burdened with debt. God willing, there will be help from Him. The following are practices if you are burdened with debt as summarized by Dream from various sources.

The translation of the given 'Bahasa' text to 'English' while preserving any html tags is as follows: "Debt and credit agreements include agreements from both parties, clear debt objects, and agreed upon payment periods. Conditions for debt and credit include honesty, agreement from both parties, and provisions in accordance with Islamic law. In carrying out debt and credit, in accordance with the teachings of Islam, it is important to pay attention to the principles of justice, honesty, and compliance with the agreed-upon agreement."

The translation of the given 'Bahasa' text to 'English' while preserving any html tags is: "Debt payments must be made on time according to the agreed upon terms. In addition, in Islam, it is also encouraged to provide relief to those who are in debt if they are experiencing difficulties in repaying their debts. By understanding the legal basis, pillars, and conditions of debt and credit in Islam, Muslims are expected to adhere to these principles correctly and in accordance with the teachings of Islam in managing finances and relationships with others."

According to Islamic teachings, debt is allowed if someone truly needs additional funds for necessary purposes. Such as fulfilling basic needs, education, or business that can benefit oneself and others. However, it is advisable to avoid debt if the need is consumptive or luxurious, as it can cause harm to oneself and others.

The translation of the given text to English while preserving any HTML tags is as follows: "Rukun utang piutang dalam Islam meliputi kesepakatan kedua belah pihak (pemberi utang dan penerima utang) mengenai jumlah, waktu pembayaran, dan saksi yang sah. Selain itu, syarat orang yang berutang dalam ajaran Islam adalah memiliki kemampuan untuk membayar utang sesuai dengan kesepakatan yang telah ditetapkan.
Seorang yang berutang juga diimbau untuk jujur dalam mengakui jumlah utangnya dan membayar utang dengan segera jika telah mampu." Translated text: "The principles of debt and credit in Islam include an agreement between both parties (the lender and the borrower) regarding the amount, payment time, and valid witnesses. Additionally, a requirement for a person to be indebted in Islamic teachings is to have the ability to repay the debt according to the established agreement.
A debtor is also advised to be honest in acknowledging the amount of their debt and to repay it promptly once capable."

By paying attention to these conditions, Islam teaches the importance of caution in borrowing and lending to avoid causing harm to oneself and others. And ensuring that the debt and credit can bring benefits and blessings.

The translation of the given 'Bahasa' text to 'English' while preserving the HTML tags is as follows: The way to deal with people who refuse to pay their debts according to Islamic law is by conducting discussions or mediation to find a fair and Sharia-compliant solution. If these methods do not yield results, the next step is to bring the issue to an Islamic court to obtain a fair decision based on Islamic law.

"Islam emphasizes the importance of maintaining relationships among fellow Muslims, including in matters of debt. The Prophet Muhammad (pbuh) warned about the danger of not paying debts and affirmed that those who refuse to pay debts are included in the category of hypocrites. The punishment for those who refuse to pay debts is also emphasized in the hadiths of Prophet Muhammad (pbuh), such as the punishment in the afterlife."

"Thus, Islam views debt and borrowing issues seriously and provides clear guidelines on how to deal with individuals who refuse to repay their debts according to Islamic law."

The following is the translation of the text from 'Bahasa' to 'English' while preserving any HTML tags: "Rasulullah saw said: "Those who refuse to pay their debts will not enter paradise, except with the permission of their creditors." (HR. Muslim) The punishment for those who do not pay their debts includes the blocking of blessings and the opening of calamities. The impact of not paying debts on the Muslim community is significant. Not paying debts creates injustice and harms others."

This can damage relationships among fellow Muslims and undermine trust among fellow Muslims. In addition, the inability to repay debts can affect someone's financial and mental condition, as they constantly feel pressured and worried. Some possible consequences of not paying off debts in accordance with Islamic teachings include facing severe punishment in the afterlife, losing trust from others, and damaging relationships among fellow Muslims.

The inability to repay debts can also damage a person's reputation and make them constantly feel stressed and worried. Therefore, it is very important for Muslims to always be able to repay their debts in accordance with Islamic teachings.

The translation of the given 'Bahasa' text to 'English' while preserving any html tags is as follows: "Rasulullah saw also taught to always be pious, worship, and strive to seek halal sustenance as another practice that can help in this situation. The importance of believing that Allah will provide assistance is immense, because Allah is Most Generous and Most Helper to His sincere servants. In addition, with a strong belief that Allah will provide assistance, a person will feel calm and not too burdened by the debts they have."

The following is a prayer reading to be free from the bondage of debt taught by the Prophet Muhammad (pbuh): "Allahumma inni a'udhu bika minal hammi wal hazan. Wa a'udhu bika minal 'ajzi wal kasal. Wa a'udhu bika minal jubni wal bukhl. Wa a'udhu bika min ghalabatid daini wa qahrir rijal." Translation: "O Allah, I seek refuge in You from worry and grief. And I seek refuge in You from helplessness and laziness. And I seek refuge in You from cowardice and stinginess. And I seek refuge in You from the burden of debt and the oppression of men."

The translation of the given text from 'Bahasa' to 'English' while preserving any html tags is as follows: Meaning: "O Allah, I seek refuge in You from confusion and sadness, I seek refuge in You from weakness and laziness, I seek refuge in You from fear and greed, I seek refuge in You from the burden of debt and the pressure of people."