KONTAN.CO.ID - JAKARTA. Declining vehicle sales and weakening purchasing power pose challenges for multifinance companies in boosting financing performance. Nevertheless, PT Adira Dinamika Multi Finance Tbk (Adira Finance) continues to maintain financing growth by strengthening diversification into non-automotive segments.

As of September 2025, Adira Finance's new financing disbursement reached IDR 26.4 trillion. This trend demonstrates consistent growth since the beginning of the year and reflects the company's ability to maintain performance through adaptive strategies, including strengthening the non-automotive segment and optimizing its distribution network and digital services.

Adira Finance Director Sylvanus Gani stated that diversification into the non-automotive segment is a strategic step that can help the company maintain performance. This step serves to balance the financing portfolio, given that the automotive segment currently remains dominant.

"When automotive financing experiences a slowdown, contributions from the non-automotive segment can act as a support, ensuring the Company's performance remains stable and sustainable," Gani explained on Tuesday (November 4, 2025).

Furthermore, funding support from its parent company, Bank Danamon, is also a crucial factor in maintaining business stability. Approximately 47% of the company's managed assets are financed through a joint financing scheme with Bank Danamon. Beyond this scheme, Bank Danamon provides bilateral loan facilities that strengthen the company's funding structure and liquidity.

Despite its status as a bank subsidiary, Gani emphasized that financing from the parent company adheres to the arm's length principle and refers to market conditions.

As of the end of this year, Gani assessed that the prospects for the bank subsidiary's multifinance business remain positive. Synergy with the parent company provides advantages in funding, risk management, and leveraging the banking ecosystem to expand its customer base.

"With solid fundamentals and strong synergy with the parent bank, the company hopes to maintain business stability amidst the slowdown in the financing industry," he said.