Be careful to distinguish borrowings and substitutions. They are not the same. Contemporary Indonesians substitute /ts/ for Arabic /θ/ if they have only so-so

Be careful to distinguish borrowings and substitutions. They are not the same. Contemporary Indonesians substitute /ts/ for Arabic /θ/ if they have only so-so Arabic pronunciation. But this is on the basis of the contemporary transliteration of Arabic. Indonesians do not have the English speakers' concept of spelling - only transcription. In English, they're more likely to use /t d/ but sufficiently many people who speak English have learnt proper Arabic in school that they can pronounce the English sounds. The use of /s/ is not a contemporary substitution, it's a historical borrowing. It's like saying "English substitutes french /s/ with /ʃ/" on the basis of words like "fashion". Yeah, at one point, French had an /s/ sound that sounds like English /ʃ/, but the pronunciations of both has changed and that doesn't happen any more. The replacement of /ðˤ/ with /l/ in e.g. lohor is likewise a borrowing - but it seems to be ancient. ض is reconstructed as a velarised voiced lateral fricative in Wikipedia. And that borrowing is widespread; Indian Muslims going full Indian on me are surprised that I recognise "Lohor" from Indonesian. For my part, I pronounce it as thoohoo (book), but most native Australian English speaking Muslims seem to use /s z z/ for Arabic /θ ð ðˤ/ - they learnt the Arabic words from their Pakistani/Indian parents - and therefore say "zohaw" (hot). Even in recitation - Arabs seem to ask them to stop leading salah~sholat, but that hasn't happened to me. Also, it's not actually /dʒ/ but more of a palatal stop. My wife - and even I - can certainly hear my accent in Indonesian. I also can't hear the difference between c and j unless I already recognise the word.