BRI Finance Optimistic About 2026 Working Capital Financing Growth

Positive Outlook for Multifinance Industry

BRI Finance remains optimistic about the prospects for working capital financing in 2026, citing supportive government policies and domestic economic stability. The company's working capital financing grew 11.40% year-on-year as of November 2025, contributing 3.38% to the total financing portfolio. The trade sector showed particularly strong growth, with disbursements reaching 76.67% of total working capital financing.

Challenges and Risk Management

While maintaining a positive outlook, BRI Finance acknowledges challenges such as economic fluctuations, debtor credit quality, and cash flow risks. To address these issues, the company is strengthening its risk analysis and underwriting processes, leveraging data and technology for better risk profiling, and implementing continuous portfolio monitoring. These measures aim to maintain a healthy financing portfolio while supporting business expansion, particularly in the UMKM segment.

Industry Context and OJK Perspective

The Financial Services Authority (OJK) supports BRI Finance's positive outlook, noting that working capital financing remains a key driver for the multifinance industry's growth. As of October 2025, working capital financing in the multifinance sector grew 9.28% year-on-year, reaching Rp53.19 trillion and accounting for 10.53% of total industry receivables. OJK's perspective aligns with BRI Finance's strategy to focus on this segment while maintaining prudent risk management practices.