KONTAN.CO.ID - JAKARTA. PT Federal International Finance (FIFGROUP) stated that the main challenge throughout the first half of 2025 will not be internal, but rather market dynamics.

"The main challenge faced is more about fluctuating market conditions, which require the implementation of adaptive strategies," he told Kontan, Thursday (August 21, 2025).

To maintain portfolio quality, Benny explained that FIFGROUP continues to prioritize prudent principles and disciplined risk management.

"With this, our financing growth remains healthy and sustainable," he added.

Looking ahead, FIFGROUP remains optimistic that financing for new Honda motorcycles can grow better than the 2024 achievement.

"Various strategies have been prepared, ranging from programs focused on customer retention, utilizing sales networks throughout Indonesia, to strengthening collaboration with our business partners," Benny explained.

Furthermore, the company is also improving more accurate data analysis and maximizing risk mitigation. He hopes this approach will maintain competitiveness while strengthening the company's position.

Previously, FIFGROUP noted that the financing portion for new electric motorcycles remained relatively limited in the first half of 2025, contributing around 3.4% of total motorcycle financing.

Benny explained that conventional motorcycle financing still dominates, accounting for 96.6%.