Akulaku Finance Identifies Key Challenges for Multifinance Industry in 2026

Macroeconomic Factors and Consumer Spending

PT Akulaku Finance Indonesia has identified several significant challenges that are expected to impact the multifinance industry's performance in 2026. According to Aan Setiawandi, the company's Financial Director, macroeconomic conditions will play a crucial role in shaping the industry's future. Key factors include consumer purchasing power, interest rate fluctuations, and the overall growth of the automotive industry.

Low Vehicle Penetration and Credit Transactions

The company also highlighted that Indonesia's low penetration of four-wheeled vehicles among the population will be a significant factor affecting the industry's growth. As many transactions in the automotive sector are conducted through credit, this low penetration rate directly impacts the multifinance industry's potential for expansion.

Industry Outlook for 2026

While the current year has seen a slowdown in the multifinance industry due to various challenges, Akulaku Finance's insights suggest that these issues are likely to persist into 2026. The company's analysis emphasizes the need for industry players to carefully monitor macroeconomic indicators and adjust their strategies accordingly to navigate the upcoming challenges.