Debt & Credit: Kasbon Ledger

📝 **Bayar Hutang: Track Debts & Collect Credits with Ease!** 📝 Forget who borrowed your money? Feeling awkward to remind customers or friends about their unpaid bills? Or want to manage and pay off personal debts step-by-step? **Bayar Hutang** is a two-way financial ledger app crafted for individuals, freelancers, and small businesses (MSMEs). Keep track of both what you owe and what others owe you, with effortless WhatsApp reminders! 🚀 --- 🌟 **Key Features:** 🌟 ✉️ **Automated WhatsApp Reminder & PDF Reports** Send polite payment reminders directly to WhatsApp with customizable message tones (Casual, Polite, or Firm). Attach itemized PDF reports and your bank transfer info effortlessly! 🎯 **Debt-Free Payoff Planner** Monitor your remaining debt, track installment progress, and achieve a 100% debt-free milestone. 📊 **Net Financial Position** View your clear financial balance at a glance: total debts you need to pay vs total credits owed to you. 📞 **Quick Contact Integration** Select contacts directly from your phone address book with a single tap. 📸 **Payment Proof & Receipt Attachment** Attach photos of transfer receipts, bills, or invoices to each installment to avoid disputes and ensure transparency. 💼 **Ideal For:** - Grocery stores, kiosks, & retail shops (Digital Kasbon Ledger) - Freelancers, resellers, & online sellers - Personal use (Lending among friends, roommates, and family) Say goodbye to messy paper notebooks that get lost. **Download Bayar Hutang now and take control of your debts and credits today!** ✨