Here are a few possibilities:
If "utang" refers to a debt:
* Debt - This is the most general and accurate translation.
* Loan - This specifically refers to borrowed money.
* Owing - This emphasizes the act of being obligated to repay.
* Liability - This is a more formal term for a financial obligation.
If "utang" refers to a favor:
* Favor
* Debt of gratitude
* Obligation
If "utang" is used in a more figurative sense, meaning something owed:
* Due
* Responsibility
It's important to consider the specific context of the phrase "utang" to determine the most accurate English translation.