Dia berhutang wang dengan saya.

In Malay, dia is a gender-neutral third-person singular pronoun. It can mean he or she, and context tells you which one is intended.

So:

• Dia berhutang wang dengan saya could mean He owes me money or She owes me money
• Malay usually does not force you to mark gender the way English does

This is very normal in Malay.

Berhutang means to owe, to be in debt, or to have a debt.

It comes from:

• hutang = debt
• ber- = a common prefix that often forms verbs meaning to have, to use, to be engaged in, or to be in a state involving something

So berhutang literally suggests something like to be in debt.

In this sentence, it works like the main verb:

• Dia berhutang ... = He/She owes ...

Yes, you often can leave it out.

• Dia berhutang dengan saya = He/She owes me / is in debt to me
• Dia berhutang wang dengan saya = He/She owes me money

Adding wang makes it explicit that the debt is money. Without wang, the idea of debt is still there, but it is a little less specific.

Both can mean money, but they differ in tone:

• wang = more standard, neutral, slightly more formal
• duit = very common in speech, more casual

So this sentence could also appear colloquially as something like:

• Dia berhutang duit dengan saya

That would sound natural in everyday conversation.

This is a very common question.

In Malay, both dengan and kepada can appear in sentences about owing, depending on style, speaker, and structure.

In this sentence:

• dengan saya marks the person involved in the debt relationship

Many learners expect kepada saya because it feels closer to English to me, and that can also sound natural:

• Dia berhutang wang kepada saya

A useful way to think about it is:

• dengan = with / involving
• kepada = to / toward

For berhutang, usage can vary, so if you see either one, do not be surprised.

Because Malay pronouns do not change form the way English pronouns do.

In English:

• I / me
• he / him
• she / her

In Malay, saya stays saya whether it is the subject or the object.

Examples:

• Saya datang = I come / I am coming
• Dia jumpa saya = He/She met me
• Dia berhutang wang dengan saya = He/She owes me money

So Malay does not have a separate object form like me.

A little, yes.

This sentence is structured as:

• Dia = subject
• berhutang = verb
• wang = thing owed
• dengan saya = person connected to the debt

So it is roughly:

• He/She owes money with me

Of course, that is not good English, but it helps show the Malay structure.

English often puts the person right after owe:

• He owes me money

Malay can instead present:

• the verb first,
• then the thing owed,
• then the person involved.

Because Malay does not use articles the way English does.

So:

• wang can mean money in a general sense
• Malay does not need a word equivalent to the or a/an here

This is one of the biggest differences from English. Learners often want to insert an article mentally, but Malay simply does not require it.

No, Malay verbs usually do not change form for tense.

So berhutang itself does not mean specifically:

• owes
• owed
• will owe

The time is usually understood from context or added words, such as:

• sekarang = now
• semalam = yesterday
• akan = will
• sudah / dah = already

So Dia berhutang wang dengan saya can be understood as present by default, but context is what really decides the time reference.

You can use tidak before the verb:

• Dia tidak berhutang wang dengan saya = He/She does not owe me money

This is the normal way to negate a verb in Malay.

So the pattern is:

• Dia berhutang ... = He/She owes ...
• Dia tidak berhutang ... = He/She does not owe ...

Yes. In casual speech, many speakers would say something simpler, such as:

• Dia hutang saya duit
• Dia berhutang dengan saya
• Dia berhutang duit dengan saya

Compared with wang, duit sounds more conversational.

So the given sentence is understandable and fine, but in everyday speech you may often hear a more casual version.