KONTAN.CO.ID - JAKARTA. PT Mandiri Utama Finance (MUF) is optimistic that the company's profitability will remain stable until the end of 2026 amidst interest rate dynamics and the potential for an increase in the non-performing financing (NPF) ratio in the multifinance industry.

Acting President Director of MUF, Dapot Parasian Sukoco Sinaga, stated that interest rate dynamics and financing quality are factors that the financing industry must continue to manage. However, MUF is confident it can maintain performance through a quality growth strategy.

"We remain optimistic that profitability can be maintained until the end of 2026 through quality financing growth, prudent portfolio management, and disciplined risk management," Dapot told Kontan, Friday (July 3, 2026). Therefore, MUF continues to monitor developments in market conditions and monetary policy, including their impact on the financing industry.

In terms of funding, the company relies on synergies with Bank Mandiri, including joint financing schemes, so that its funding structure remains competitive to support financing expansion.

Dapot stated that the transmission of changes in benchmark interest rates to the financing industry generally takes time. At the same time, MUF continues to monitor competitive dynamics to ensure it can continue to offer competitive and affordable financing schemes to the public.

"MUF continues to apply prudent principles in financing disbursement, strengthen risk management, improve operational efficiency, and optimize funding synergies through the Bank Mandiri ecosystem," he explained.

Furthermore, MUF strives to encourage financing growth in segments with good prospects and asset quality to ensure healthy and sustainable business growth.

As of May 2026, MUF recorded new financing disbursements of IDR 9.80 trillion, representing 6.4% year-on-year (YoY) growth.