I would recommend getting a credit card https://www.finpedia.id/kartu-kredit to have some real money to dispose of. The overdraft is available on the credit account, which is very advantageous. I recently bought some home appliances. The partner bank directly at the point of sale allows you to draw up a debt obligation. Sometimes such a loan can be secured if the item purchased remains pledged to the lender until the loan is paid off in full. That's what no bank with a long-term loan will let me do.