Multifinance Industry Investment Financing Drops 5.33% as of June 2026
The Financial Services Authority (OJK) recorded that investment financing in the multifinance industry stood at Rp167.89 trillion as of June 2026, representing a 5.33% year-on-year (YoY) decrease.
The sluggishness in investment financing is partly attributed to business actors becoming more selective in their capital expenditure amidst economic dynamics. However, several financing companies have recorded the opposite trend.
PT CIMB Niaga Auto Finance (CNAF) recorded a 53% YoY growth in investment financing receivables, rising from Rp783 billion in June 2025 to Rp1.19 trillion in June 2026.
Amidst the ongoing industry-wide pressure, these financing companies continue to see growth opportunities across various financing segments. They agree that portfolio diversification strategies are key to maintaining growth sources while strengthening business resilience.
CNAF President Director Ristiawan Suherment stated that the company continues to closely monitor market developments and consumer needs to optimise relevant financing products in each segment.
“This step is part of our portfolio diversification strategy to maintain a balance of growth sources while strengthening business resilience amidst dynamic economic conditions,” he told Kontan on Monday (31/8).
This diversification strategy is implemented to optimise opportunities across various financing segments. However, the strategy is accompanied by other efforts, such as prioritising asset quality, prudence, and the overall health of the portfolio.
Meanwhile, BRI Finance also sees opportunities across various financing segments in line with evolving market needs and company strategy.
“This is part of the company’s strategy to maintain an optimal composition of the financing portfolio,” the company stated to Kontan on Tuesday (1/9).
Although industry-wide multifinance investment financing remained under pressure through mid-year, both CNAF and BRI Finance see opportunities for improvement throughout the remainder of 2026. This optimism is primarily driven by more selective financing strategies coupled with the application of prudent principles.