WOM Finance Implements Selective Expansion Strategy Amid Market Challenges

Strategic Adjustments for 2026

PT Wahana Ottomitra Multiartha Tbk (WOM Finance), a major player in Indonesia's automotive financing sector, is adopting a more cautious approach to expansion in 2026 due to current market challenges. The company is responding to the sluggish automotive market and reduced consumer spending by implementing a more selective and adaptive growth strategy.

Key Strategic Focus Areas

1. Portfolio Quality Enhancement: WOM Finance will prioritize maintaining high-quality assets amid economic uncertainty
2. Market-Adaptive Product Offerings: The company will adjust its financing products to better meet current market demands
3. Segment Optimization: Focus on market segments showing relatively stable demand

Management Perspective

According to Cincin Lisa Hadi, Director of WOM Finance, the company recognizes the need to balance growth aspirations with the current market reality. The strategic adjustments are designed to help the company navigate through the challenging environment while positioning itself for future growth opportunities.

Market Context

The automotive financing sector is experiencing significant challenges due to economic factors affecting consumer purchasing power. WOM Finance's strategic response demonstrates the company's proactive approach to managing these challenges and adapting to the evolving market landscape.