KONTAN.CO.ID - JAKARTA. Data from the Financial Services Authority (OJK) shows that the multifinance industry's net Non-Performing Financing (NPF) increased from 0.75% at the end of 2024 to 0.84% ​​as of September 2025.

Regarding this, PT Adira Dinamika Multi Finance Tbk (Adira Finance) believes the increase in the industry's net NPF indicates that some risks are still not fully covered by reserves.

"Therefore, prudent risk management remains a priority for industry players," Adira Finance Chief Financial Officer Sylvanus Gani told Kontan on Thursday (November 20, 2025).

Adira Finance also commented on the improvement in the multifinance industry's gross NPF. Gani believes the improvement in gross NPF indicates a general improvement in non-performing financing. The multifinance industry's gross NPF improved to 2.47% as of September 2025, from 2.70% at the end of 2024.

To maintain low gross and net NPF, Gani revealed that Adira Finance will implement several strategies. He said Adira Finance will provide segmented financing according to the company's risk appetite and ensure effective collection activities to reduce the potential for bad debts.

Meanwhile, Gani revealed that Adira Finance's gross NPF was recorded at 2% as of October 2025. He said the figure has shown a downward trend since June 2025.

"This NPF level is still within the company's internal limits and below the industry average," Gani said.