KONTAN.CO.ID - JAKARTA. PT Clipan Finance Indonesia Tbk (CFIN) is implementing several strategies to keep Non-Performing Financing (NPF) under control at the end of this year, in line with the potential for increased financing disbursement.

Clipan Finance President Director Harjanto Tjitohardjojo stated that his company will maintain the quality of its financing portfolio by implementing a strict selection process. One of these measures is utilizing several available tools to analyze the eligibility of prospective borrowers to minimize the risk of default.

"In addition, we will continue to improve our work processes for managing our existing financing portfolio," Harjanto told Kontan on Monday (December 29, 2025).

Harjanto stated that the company remains optimistic that the NPF will improve by the end of 2025 through several implemented strategies, despite the potential for increased financing disbursement.

He said this optimism is supported by the continued application of prudential principles and strict risk management, thereby maintaining financing quality.

Meanwhile, Harjanto stated that based on data from the third quarter of 2025, Clipan Finance's NPF rate was recorded at less than 1%. He stated that this figure was within a safe and controllable limit.

Clipan Finance's total financing disbursement as of the third quarter of 2025 was recorded at more than IDR 3 trillion.