Rekod pembayaran menunjukkan bayaran penuh; dengan kata lain, tunggakan bil dibayar.

Literally, rekod pembayaran is record payment/payment record. In natural English, we would usually say payment record or record of payment/payments.

Malay noun phrases often put the main noun first and the describing noun after it:

• rekod pembayaran = payment record
• bil elektrik = electricity bill
• kad kredit = credit card

So the order is often the reverse of English.

Yes, both can be translated as payment, but they are not always used in exactly the same way.

A useful general guide:

• pembayaran often refers to the act/process of paying
• bayaran often refers to the payment itself, a sum/charge/fee, or something that has been paid

In this sentence:

• rekod pembayaran = a record of the paying/payment activity
• bayaran penuh = full payment

So the sentence uses each form where it sounds most natural.

It comes from the root bayar = to pay.

With the circumfix pem- ... -an, it becomes a noun:

• bayar = pay
• pembayaran = payment / the act of paying

This is a very common Malay word-formation pattern. Similar examples:

• bangun = wake up / build

• pembangunan = development

• ajar = teach
• pengajaran = teaching / instruction

So pembayaran is a derived noun from bayar.

It comes from the root tunjuk = show.

With the prefix meN- and suffix -kan, it becomes menunjukkan = to show, to indicate, or to demonstrate.

Here, menunjukkan is best understood as:

• shows
• indicates

So Rekod pembayaran menunjukkan bayaran penuh means the payment record indicates that full payment was made.

Because bayaran penuh is the more natural collocation for full payment.

Even though pembayaran can also relate to payment, bayaran penuh is the normal phrase when talking about the amount being fully settled.

Compare:

• bayaran penuh = full payment
• bayaran bulanan = monthly payment
• bayaran tambahan = additional payment

So this is largely a matter of common usage, not just dictionary meaning.

Yes, it is a very common fixed expression meaning:

• in other words
• put another way

Literally:

• dengan = with
• kata = word
• lain = other

So literally it is something like with other words, but in natural English we translate it as in other words.

It is often used to restate or clarify what was just said.

Tunggakan refers to arrears, overdue amounts, or outstanding unpaid debt.

bil means bill.

So:

• tunggakan bil = bill arrears
• more natural English: outstanding bill arrears, the overdue bill amount, or the unpaid bill balance

Again, the Malay noun order is:

• main noun: tunggakan
• specifying noun: bil

So literally it is something like arrears of bills/bill arrears.

Dibayar is the passive form of bayar.

• membayar = to pay, pays, is paying
• dibayar = is paid, was paid, has been paid

In tunggakan bil dibayar, the focus is on the thing affected, namely the bill arrears, not on who paid them.

So the sentence means:

• the bill arrears were paid
• the outstanding bill was paid

This kind of passive is very common in formal and informational Malay.

Malay does not mark tense the same way English does. Verbs usually do not change form for past, present, or future.

So dibayar can mean, depending on context:

• is paid
• was paid
• has been paid

Time is usually understood from context, or from extra words such as:

• sudah = already
• telah = has/have, already
• akan = will

In this sentence, because it is talking about what the record shows, English naturally uses has been paid or was paid, even though Malay does not explicitly say has.

Yes, it can be understood as a complete clause.

Malay often allows short clauses without an explicit subject pronoun like it or they. Here:

• tunggakan bil = the bill arrears / the outstanding bill amount
• dibayar = has been paid / was paid

So it works as a full statement: The bill arrears have been paid.

The semicolon links two closely related statements:

• Rekod pembayaran menunjukkan bayaran penuh
• dengan kata lain, tunggakan bil dibayar

The second part restates the first one in clearer terms. In English, this is exactly the kind of place where a semicolon can appear.

In Malay writing, you could also see a full stop instead:

• Rekod pembayaran menunjukkan bayaran penuh. Dengan kata lain, tunggakan bil dibayar.

That would also be fine.

Yes, it sounds fairly formal or administrative. Words like these are common in billing, account statements, customer service, or official records:

• rekod
• pembayaran
• bayaran penuh
• tunggakan

A more everyday version might be something like:

• Rekod menunjukkan bil itu sudah dibayar sepenuhnya.
• Maksudnya, tiada tunggakan lagi.

But the original sentence is natural in a formal or business context.

Malay does not use articles like a or the in the same way English does, and nouns often do not change form for singular vs. plural.

So:

• rekod can mean a record or the record
• pembayaran can mean payment or payments, depending on context
• bil can mean bill or bills

The exact meaning comes from context. In this sentence, English naturally supplies articles and number where needed.

Yes, in many contexts that is a natural translation, but it is slightly less precise.

More literally, tunggakan bil is not just any bill; it is the arrears/outstanding amount on the bill. So better translations are:

• the bill arrears were paid
• the outstanding bill amount was paid
• the overdue bill was paid

If you simply say the bill was paid, the core idea is still understood, but it loses some of the nuance of arrears/outstanding balance.