KONTAN.CO.ID - JAKARTA. PT Mandala Multifinance (MFIN), also known as Mandala Finance, is implementing several strategies to maintain and increase the company's profits until the third quarter of 2025. Mandala Finance Finance Director Roberto AK Un stated that one strategy is to achieve operational efficiency through digitalizing business processes and optimizing the cost structure.

"Another strategy is implementing prudent principles in financing disbursement to maintain asset quality and reduce the risk of non-performing loans, as well as managing funding and the cost of funds (CoF)," he told Kontan on Thursday (July 31).

Furthermore, Roberto acknowledged that several challenges could impact the company's profits. He considered the public's unrecovered purchasing power and economic uncertainty to be key factors.

Roberto stated that sluggish purchasing power could lead to a slowdown in demand for financing. Furthermore, the potential for increased non-performing loan risk also needs to be anticipated, as consumers become more cautious in managing their finances, especially with installments.

"Economic uncertainty also adds to the complexity, as it impacts the cost of funds, especially if interest rates remain high," he said.

According to the company's unaudited financial report published through the Indonesia Stock Exchange's information disclosure, Mandala Finance recorded a net profit for the current period of IDR 223.44 billion in the first half of 2025. This represents a 4.72% increase compared to IDR 213.36 billion in the same period the previous year.

The company's profit increase was also accompanied by a 12.39% year-on-year increase in revenue, reaching IDR 1.27 trillion in the first half of 2025.