Penyewa itu belum membayar sewa bulanan dan ada tunggakan sewa.

Penyewa means tenant or renter.

It comes from the root sewa, which relates to rent / rental. The prefix peN- often forms a noun for a person who does something. So:

• sewa = rent, rental
• penyewa = the person who rents = tenant

This is a very common pattern in Malay:

• beli = buy → pembeli = buyer
• jual = sell → penjual = seller

So penyewa is literally something like the renting person.

In Malay, itu often comes after the noun, not before it as in English.

So:

• penyewa itu = that tenant / the tenant

This can sound like either:

• that tenant if you are pointing out a specific one, or
• the tenant if the person is already known in context

This is normal Malay word order:

• rumah itu = that house / the house
• orang itu = that person

So penyewa itu is not unusual at all—it is the standard structure.

Belum means not yet, while tidak means not.

So:

• belum membayar = has not paid yet
• tidak membayar = does not pay / did not pay depending on context, but without the sense of yet

In this sentence, belum is important because it suggests the payment is still expected. The tenant has not paid up to now, but payment may still happen later.

Compare:

• Dia belum datang. = He hasn’t come yet.
• Dia tidak datang. = He isn’t coming / He did not come.

Membayar is the verb form with the prefix meN-, which is very common in standard Malay for active verbs.

• bayar = pay / payment (root form; can also appear in less formal speech)
• membayar = to pay, is paying, paid

In full, standard sentences, membayar sounds more natural and grammatical:

• Penyewa itu belum membayar...

In casual speech, people may sometimes say:

• belum bayar

But in writing or more formal Malay, membayar is preferred.

Yes, sewa appears twice, and in both places it relates to rent, but its role is slightly different each time.

In:

• membayar sewa = pay rent
• sewa bulanan = monthly rent
• tunggakan sewa = rent arrears / overdue rent

So sewa is the noun rent here. Malay often repeats a noun like this in different combinations instead of replacing it with a pronoun.

This is natural and common in Malay, especially when clarity is important.

Bulanan means monthly.

It comes from:

• bulan = month
• bulanan = monthly / month-based

So:

• sewa bulanan = monthly rent

The ending -an can help form words related to a period, category, or thing associated with the root. In this case, bulanan describes something that happens every month or is calculated by the month.

Other examples:

• harian = daily
• mingguan = weekly
• tahunan = yearly / annual

In Malay, modifiers usually come after the noun.

So:

• sewa bulanan = rent monthly = monthly rent
• rumah besar = house big = big house
• kereta baru = car new = new car

This is one of the most basic word-order differences from English. English usually puts many descriptive words before the noun, but Malay usually puts them after.

Literally, ada tunggakan sewa means something like:

• there is rent arrears
• there are outstanding rent payments
• there is overdue rent

Here:

• ada = there is / there are / has
• tunggakan = arrears, outstanding amount, overdue payments
• sewa = rent

So the sentence does not necessarily repeat the subject directly. Instead, it states that there exist rent arrears.

In natural English, you would usually translate it more smoothly as:

• and there are rent arrears or
• and the tenant is in arrears on the rent

Tunggakan refers to arrears, back payments, or an outstanding amount that should already have been paid.

It is often used for things like:

• tunggakan sewa = rent arrears
• tunggakan gaji = unpaid salary arrears
• tunggakan bil = overdue bills

So this word does not just mean a general debt. It usually suggests a payment that is late or overdue.

That gives the sentence a slightly more official or administrative tone.

Malay often leaves out repeated subjects when the meaning is already clear from context.

So:

• Penyewa itu belum membayar sewa bulanan dan ada tunggakan sewa.

is understood as:

• The tenant has not yet paid the monthly rent and has rent arrears.

Malay commonly does this to avoid unnecessary repetition. The subject of the second clause is still understood to be penyewa itu.

If you said:

• Penyewa itu belum membayar sewa bulanan dan penyewa itu ada tunggakan sewa

it would be grammatical, but repetitive and less natural.

Yes. In context, ada can often be understood in more than one way.

Ada can mean:

• there is / there are
• have / has in some sentence patterns
• exist / be present

So ada tunggakan sewa could be understood as:

• there are rent arrears or
• has rent arrears

Both fit the context. Malay often uses ada in flexible ways like this.

It sounds neutral to somewhat formal.

Reasons:

• membayar is the full standard verb form
• tunggakan sewa sounds administrative, legal, or business-like
• the whole sentence would fit well in a notice, report, tenancy discussion, or written statement

A more casual spoken version might be:

• Penyewa tu belum bayar sewa bulanan dan ada tunggakan sewa.

Here, itu becomes tu in speech, and membayar becomes bayar.

Yes, that is grammatical and slightly more formal.

Compare:

• ada tunggakan sewa = has / there are rent arrears
• mempunyai tunggakan sewa = has rent arrears

Mempunyai sounds more formal and explicit, while ada is shorter and very common.

So:

• Penyewa itu belum membayar sewa bulanan dan ada tunggakan sewa.
  is natural and common.

• Penyewa itu belum membayar sewa bulanan dan mempunyai tunggakan sewa.
  is also correct, but a bit more formal or official-sounding.