66 Per Cent Growth, Akulaku Finance's Net Profit Reached IDR 108 Billion in 2025

JAKARTA, KOMPAS.com - PT Akulaku Finance Indonesia recorded a net profit after tax of IDR 108 billion in 2025. This performance was supported by growth in new financing and conservative risk management. President Director Perry Barman Slangor said that net profit for the year grew significantly by 66 per cent year-on-year (YoY) from IDR 65 billion in the previous year. The growth in net profit was supported by a 23 per cent year-on-year growth in new financing disbursements from IDR 6.05 trillion to IDR 7.44 trillion in 2025. This achievement was supported by strengthened underwriting systems, strict portfolio monitoring, and enhanced debt-collection system capacity. “So, in 2025, it is basically the year in which we can grow in a healthy, sustainable manner with conservative risk-management practices,” he said during a media gathering in Jakarta, Thursday (5/3/2026). In terms of the financing portfolio, the largest contribution still comes from buy now, pay later (BNPL) services, which account for up to 89 per cent of the company's total portfolio, worth IDR 7.15 trillion. The BNPL portfolio could grow 34 per cent year-on-year in 2025, driven by integration with e-commerce platforms. The remainder is contributed by productive financing to the small and medium-sized enterprise (SME) segment and working capital, amounting to IDR 289 billion with steady growth. To support funding needs, Akulaku Finance also entered into collaborations with around 16 banks, including Maybank, J Trust Bank, Superbank, and Hana Bank. From collaborations with other parties, Akulaku Finance was able to disburse new financing of IDR 3.3 trillion during the year. Throughout 2025, the company also ensured that its capital structure and liquidity were well maintained through diversification of funding sources, optimisation of the funding cost structure, and disciplined liquidity management to support business expansion. “We are continuing to diversify our sources, and we are even exploring the potential possibility of offshore borrowing as well. In the previous year we also carried out syndicated loans with banks in Jakarta,” he said. For information, Akulaku Finance's users are dominated by Generation Z and millennials aged 18-29, about 60 per cent of total users.