KONTAN.CO.ID - JAKARTA. Financing company PT Clipan Finance Indonesia Tbk (CFIN) recorded a non-performing financing (NPF) ratio below 3% until the first quarter of 2025.

Clipan Finance President Director Harjanto Tjitohardjojo said that throughout 2022, then 2023, 2024 until the first quarter of 2025, the company's NPF ratio remained below the 3% threshold.

"From 2022 to 2024, and until the first quarter of 2024, the company's NPF ratio is still below 3%," he told Kontan, Wednesday (7/5).

To continue to improve its financing performance, Clipan Finance Indonesia has prepared a number of strategies. Among them are optimizing the marketing network in all branches and increasing cooperation with groups and parent companies.

"The company is also developing human resources and optimizing the digitalization of business processes which will have a direct impact on debtor services," he said.

For information, based on data from the Financial Services Authority (OJK), the gross NPF ratio increased from 2.32% in 2022 to 2.44% in 2023, then rose to 2.70% in December 2024, and reached 2.87% in February 2025.