Adira Finance Implements Proactive Measures for Year-End Financing Quality

Strategic Approach to Cash Loan Portfolio Management

PT Adira Dinamika Multi Finance Tbk. (ADMF), known as Adira Finance, is taking proactive measures to maintain the quality of its cash loan financing as the 2025 year-end holiday season approaches. According to Sylvanus Gani, Chief Financial Officer of Adira Finance, the company is employing two primary strategies to ensure portfolio quality during this period.

1. Risk-Based Financing Segmentation

First, Adira Finance is implementing risk-based segmentation in its financing decisions. This approach involves carefully assessing potential borrowers and tailoring financing offers according to the company's risk appetite. By doing so, Adira aims to mitigate potential credit risks associated with year-end financing.

2. Enhanced Collection Effectiveness

Second, the company is focusing on enhancing its collection effectiveness. Gani emphasized that effective collection processes are crucial in reducing the likelihood of loan defaults. This proactive approach helps maintain the overall health of Adira's loan portfolio during a period typically characterized by increased financial activity.

Significant Growth in Cash Loan Portfolio

As of November 2025, Adira Finance reported a significant 37% growth in its cash loan portfolio, reaching Rp11.3 trillion. This growth is noteworthy as it represents 29% of the company's total financing portfolio. Despite this substantial increase, Adira managed to maintain a stable non-performing finance (NPF) ratio throughout 2025.

Market Drivers and Future Outlook

Gani attributed the growth in cash loan demand to various factors, including increased economic activity, promotional campaigns, and preparations for the year-end holiday season. The CFO noted that the need for cash loans tends to be higher during this period compared to normal times, driven by increased spending and service activities.

Looking ahead to the remainder of 2025 and early 2026, Adira Finance remains optimistic about the prospects for its cash loan business. The company believes that the versatility of its cash loan products, which can be used for both consumptive and productive purposes, will continue to drive demand. Additionally, the diverse needs of consumers, ranging from household expenses to education and business capital, are expected to sustain the relevance of Adira's financing solutions across various economic conditions.