KONTAN.CO.ID - JAKARTA. PT Clipan Finance Indonesia Tbk (CFIN) revealed several opportunities and challenges that could impact its profit performance in 2026.

Clipan Finance President Director Harjanto Tjitohardjojo said the opportunities stem from Indonesia's projected economic growth of approximately 5% in 2026.

Harjanto believes opportunities also stem from the continued demand for financing for commercial and productive vehicles, as well as government programs to support MSMEs, which open up opportunities for expansion in the micro segment.

"Additionally, there is the trend of vehicle electrification, creating a new segment for electric vehicle financing with higher margins," he told Kontan on Thursday (January 22, 2026).

Meanwhile, Harjanto mentioned that the challenges to be faced include credit risk from declining borrower quality amid inflationary pressures, intense competition from fintech and digital banks offering faster processing times.

"Furthermore, there is the volatility of the rupiah exchange rate, which could affect funding costs, and the uncertainty of global geopolitical conditions, which impact the vehicle supply chain," he said.

Despite this, Clipan Finance remains optimistic that net profit will grow in 2026. Harjanto explained that the company will implement various strategies to boost profit performance.

The strategies include launching innovative products, improving processes to be more efficient and effective through technology, and strengthening partnerships with strategic stakeholders.

Regarding performance, Harjanto stated that the company's net profit experienced a slight weakening at the end of 2025, compared to 2024. Unfortunately, he did not disclose the amount recorded by the company.

Harjanto only revealed that the weakening was due to an increase in the allowance for impairment losses to anticipate credit risk amid economic uncertainty, and strategic investments in digital technology infrastructure that will provide long-term efficiency.

Despite the weakening profit, Harjanto explained that Clipan Finance's operational performance remains solid, with growth in productive assets and a manageable Non-Performing Loan (NPL) ratio.

He believes that the company's prudent steps will strengthen the foundation for sustainable growth in the years to come.

Based on the company's unaudited financial statements, Clipan Finance posted a net profit of Rp 135.66 billion in the third quarter of 2025. This represents a 15.56% decrease compared to Rp 160.66 billion the previous year.