KONTAN.CO.ID - JAKARTA. PT Adira Dinamika Multi Finance Tbk (Adira Finance) has adjusted its performance targets for this year in line with the weakening national automotive market.

Adira Finance's Finance Director, Sylvanus Gani, stated that the company now projects new financing disbursement growth to remain in the low single digits in 2025.

"Adira Finance is actively monitoring market conditions to ensure that its business strategies and established targets remain relevant to changing economic dynamics," Gani told Kontan, Thursday (October 9, 2025).

He added that the company is ready to adjust its targets and business strategies if necessary to maintain competitiveness and maintain optimal performance amid changing market conditions.

Gani emphasized that the slowdown in performance is not only influenced by declining vehicle sales, but also by weakening purchasing power. The uneven economic recovery has made consumers more cautious when purchasing durable goods, including motor vehicles.

"Consumers tend to delay vehicle purchases because they prioritize basic needs. Furthermore, competition with banks and the presence of digital players such as fintech and Buy Now Pay Later (BNPL) services are also putting pressure on the multi-finance industry," he explained.

To maintain performance, Adira Finance is striving to strengthen its digital services and improve operational efficiency.

As of September 2025, the company had disbursed Rp 26.4 trillion in new financing. The automotive segment remains the mainstay, contributing 73% of total financing, while the remaining 27% came from non-automotive segments.