Adira Finance Maintains Cautious Approach to New Car Financing in 2026

Cautious Outlook Amid Market Pressure

PT Adira Dinamika Multi Finance Tbk (Adira Finance), a major player in Indonesia's automotive financing sector, is maintaining a cautious stance on new car financing for 2026. The decision comes as the automotive market continues to face significant pressure. According to Sylvanus Gani, Chief Financial Officer of Adira Finance, the company's new car financing reached Rp 6.7 trillion as of November 2025, accounting for approximately 18% of their total financing portfolio.

Financial Performance and Market Trends

While Adira Finance's new car financing still recorded a year-on-year decline, Gani noted that there has been an improving trend throughout 2025. "If we look at the movement from the beginning of the year until November, the trend tends to improve and continues to show positive growth," Gani explained. This observation suggests that despite the challenges faced by the automotive industry, there are signs of recovery that could potentially influence Adira Finance's financing activities in the coming year.

Strategic Considerations for 2026

The cautious approach adopted by Adira Finance for 2026 reflects the company's prudent risk management strategy in the face of an uncertain economic environment. By carefully monitoring market trends and adjusting their financing policies accordingly, Adira Finance aims to navigate the challenges in the automotive sector while capitalizing on potential growth opportunities.