Akulaku Aims for Rp8.2 trillion in New Financing, Relies on Digital Ecosystem

JAKARTA — PT Akulaku Finance Indonesia aims to channel new financing worth Rp8.2 trillion this year, with growth targets lower than the previous year. President Director Perry Barman Slangor said this year they target new financing to grow 12 percent year-on-year from Rp7.44 trillion in 2025. ‘Entering this year’s action, we still target double-digit growth of 12 percent. Our focus is to maintain healthy, measured, and sustainable growth,’ he said at a media gathering in Jakarta on Thursday (5 March 2026). However, the growth target for new financing this year is lower than 2025, which achieved a 23 percent year-on-year. ‘We see this (NPF) as important to maintain so that we can keep growing sustainably,’ Perry said. Perry stated that the growth target will be driven by the strength of Akulaku’s digital ecosystem, which has a large base of users. Throughout last year, the volume of transactions in the Akulaku ecosystem reached around 46.5 million transactions. With that transaction base, the company can analyse consumer behaviour more deeply to improve financing penetration into users who are considered to have an appropriate risk profile. In addition, Akulaku Finance will deepen collaborations with various e-commerce platforms, which have historically been the main channels of user transactions. Because the majority of the company’s new financing comes from e-commerce platforms. Strategic collaboration with banking institutions is also being optimised to reduce the cost of funds and strengthen the capital structure. On the other hand, the company will expand its offline merchant network. The company is focusing merchant expansion to potential regions outside Java, particularly tier 2 and 3 cities nationwide. Currently, Akulaku Finance has partnered with more than 10,000 physical merchants across various regions in Indonesia, from retail, gadgets to lifestyle products. ‘So we are aiming to deepen not only online but also offline market as well,’ he said. To support this expansion, the company uses artificial intelligence (AI) technology to strengthen its credit scoring system. This technology enables the company to analyse consumer behaviour more accurately while mitigating potential credit risk and helping to channel financing in a healthier, more sustainable manner. Moreover, the company’s growth strategy this year will also focus on expanding markets outside Java. At present, about 68 percent of Akulaku Finance’s business remains concentrated in Java. This leaves opportunities to expand financing penetration in other parts of Indonesia. ‘So 32 percent is outside Java. We are also seeking to improve this to be more balanced. And one of the things is to leverage the ecosystem and strengthen dominance in e-commerce,’ he added.