The behaviors of individuals in accumulating debt for buying things they do not need is a concerning financial problems that arise from poor financial management. This phenomenon is often observed in urban areas. In urban areas, the intense marketing strategy and the desire to prove their social class drive individuals to make an impulsive purchase. The limited financial ability to fulfill all material possessions leads individuals to take loans for buying things they cannot afford. If this behavior persists, without realizing it, the amount of debt will significantly increase. For example, in Jakarta, more than 50% of young people in the productive age are trapped in online loans with a higher interest rate. The pressure from society for young individuals to own the newest gadget, hangout in fancy restaurants, or own branded items as a status symbol will force them to take online loans with easier access and requirements. However, the high interest rates which range about 5% per da...