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Saya membayar cicilan lewat transfer setiap bulan.

Saya membayar cicilan lewat transfer setiap bulan.
I pay the installments via transfer every month.
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Questions & Answers about Saya membayar cicilan lewat transfer setiap bulan.

What exactly does cicilan mean here, and is it singular or plural?
  • cicilan = an installment payment in a payment plan; by extension, the installments for a purchase/loan.
  • Indonesian doesn’t mark plural. cicilan can mean “an installment” or “the installments” depending on context.
  • To be specific:
    • One particular installment: cicilan keempat (the 4th installment)
    • All installments: semua cicilan, sisa cicilan, total cicilan
Can I use angsuran instead of cicilan? Are they different?
  • angsuran and cicilan both mean “installment.” They’re largely interchangeable.
  • Nuance:
    • angsuran sounds a bit more formal/financial or is preferred in some regions/banks.
    • cicilan is very common in everyday speech.
  • Example: membayar cicilan/angsuran rumah
Do I need the formal membayar, or can I say bayar? And what about membayarkan and membayari?
  • membayar cicilan = standard/neutral.
  • bayar cicilan = common casual speech (drop the mem-).
  • membayarkan [sesuatu] (untuk [orang]) = pay something, often on someone’s behalf or emphasizing the act of making payment.
    • Example: Saya membayarkan cicilan adik saya.
  • membayari [orang] (sesuatu) = pay for someone (the object tends to be a person).
    • Example: Dia membayari saya ongkos.
  • For your sentence, stick with membayar (neutral) or bayar (casual).
Is lewat transfer the best connector here? What about melalui, via, dengan, or pakai?
  • All are possible; nuance/register:
    • lewat transfer = very common, neutral-casual.
    • melalui transfer = more formal/standard (good for writing).
    • via transfer = businessy/concise, common in ads/banking.
    • dengan (cara) transfer = “by (way of) transfer”; fine, slightly more formal with cara.
    • pakai transfer = casual (“using transfer”).
  • You can also specify the method: lewat m-banking, lewat ATM, lewat e-wallet.
Do I need to say bank after transfer? Does transfer automatically mean bank transfer?
  • In everyday Indonesian, transfer usually implies a bank transfer.
  • Add detail if needed:
    • transfer bank, transfer antarbank (interbank), transfer e-wallet, transfer QRIS.
  • Example: Saya membayar cicilan melalui transfer bank setiap bulan.
Where can I put setiap bulan? Are there natural alternatives?
  • Position is flexible:
    • End (neutral): ... lewat transfer setiap bulan.
    • Front (emphasis on frequency): Setiap bulan, saya membayar cicilan lewat transfer.
  • Alternatives and nuance:
    • tiap bulan = informal for setiap bulan
    • sebulan sekali = exactly once a month
    • per bulan = per month (rate/frequency, formal-ish)
How do I say this in the past or future?
  • Indonesian uses time words/particles:
    • Past/completed: sudah/udah — Saya sudah membayar cicilan...
    • Future/intention: akan/bakal — Saya akan membayar cicilan...
    • Time adverbs: tadi, kemarin, besok, nanti clarify tense.
Can I drop Saya or use other pronouns like Aku or Gue?
  • Yes; choose by formality:
    • Formal/neutral: Saya
    • Informal: Aku
    • Very casual/Jakarta: Gue/Gua
    • Plural: Kami (we, not including you), Kita (we, including you)
  • Subject can be omitted if clear from context: Bayar cicilan lewat transfer setiap bulan.
Is the word order fixed? Can I say Saya membayar lewat transfer cicilan?
  • Keep it as Verb + Object + Correct: Saya membayar cicilan lewat transfer...
    • Odd/ungrammatical: Saya membayar lewat transfer cicilan.
  • The prepositional phrase (lewat transfer) normally follows the object here.
How do I make a passive or object-fronted version?
  • Passive (no agent): Cicilan dibayar lewat transfer setiap bulan.
  • Passive with agent: Cicilan dibayar (oleh saya) lewat transfer setiap bulan.
  • Object-fronting (colloquial active): Cicilan saya bayar lewat transfer setiap bulan.
  • bayarkan can also appear in passive/causative nuance: Cicilan saya bayarkan lewat transfer...
Does lewat ever mean “late”? Could that confuse people here?
  • lewat here means “through/by way of.”
  • For “late,” Indonesians say terlambat or telat. Lewat can mean “past” for time (e.g., jam 10 lewat 10 = 10:10), not “late” in this context.
What’s the difference between cicilan bulanan and things like biaya bulanan or tagihan bulanan?
  • cicilan bulanan = the monthly installment payment amount.
  • biaya bulanan = a monthly fee/cost (e.g., subscription/maintenance fee).
  • tagihan bulanan = the monthly bill you receive.
  • Your sentence focuses on paying installments, so cicilan is appropriate.
How does -nya work with cicilan, as in cicilannya?
  • -nya can mark:
    • Definite “the”: cicilannya sudah lunas = the installment(s) is/are paid off.
    • Possessive his/her/their: cicilannya sudah dibayar = his/her installments have been paid.
    • Anaphoric “that/it”: referring back to a known item.
  • For explicit “my,” prefer cicilan saya.
Can I use transfer as a verb, like Saya transfer cicilan setiap bulan?
  • Yes, colloquial: Saya transfer cicilan tiap bulan.
  • More formal: Saya mentransfer uang cicilan setiap bulan or Saya melakukan transfer setiap bulan.
How do I spell the passive with transfer—ditransfer, di-transfer, or di transfer?
  • Standard spelling attaches the prefix: ditransfer (no space, no hyphen).
  • di transfer is incorrect; di-transfer is nonstandard.
  • Active: mentransfer; passive: ditransfer.
What are some natural register variants of the whole sentence?
  • Formal/standard: Saya membayar cicilan melalui transfer setiap bulan.
  • Neutral: Saya membayar cicilan lewat transfer setiap bulan.
  • Casual: Saya bayar cicilan via transfer tiap bulan.
  • Very casual/Jakarta: Gue bayar cicilan pake transfer tiap bulan.