KONTAN.CO.ID - JAKARTA. PT Mandala Multifinance (MFIN) or Mandala Finance sees the prospect of financing distribution to the productive sector as still positive in 2025. This is driven by ongoing government support in order to strengthen the national economy and the financing needs of MSMEs.

"This is due to ongoing government support in order to strengthen the national economy and the financing needs of MSMEs, which continue to increase along with the development of their business activities," said Managing Director of Mandala Finance, Christel Lasmana to Kontan, Monday (20/1).

Christel said that until the end of 2024, Mandala Finance's financing distribution to the productive sector or MSMEs showed positive growth of 20% compared to the same period in the previous year.

In addition, he said that Mandala Finance's financing is still dominated by financing for new and used motorbikes and multipurpose financing for various needs, one of which is as working capital for the MSME productive sector, especially the micro and small business segments.

Furthermore, Christel said, one of the strategies that Mandala Finance is implementing to continue to increase productive financing, especially the productive sector and MSMEs, is through Mantis agency-based financing that can reach more customers even in remote areas spread throughout Indonesia.

"Of course, we continue to distribute financing with the principle of prudence that is right on target and maximizes various Mandala products, especially financing that aims to be productive to serve our customers better," he explained.

Meanwhile, the challenges in distributing financing to the productive sector this year include, among others, related to taxation which is still quite burdensome, as well as the macroeconomic conditions that have not been stable until now.

Previously, the Financial Services Authority (OJK) was implementing a number of efforts to encourage multifinance companies to increase financing distribution to the productive sector in 2025. A number of these efforts have been stated in the 2023-2027 fintech P2P lending roadmap and 2024-2028 financing companies.