KONTAN.CO.ID - JAKARTA. PT Adira Dinamika Multi Finance Tbk (Adira Finance) announced that it has issued bonds and sukuk with a total value of IDR 5.9 trillion in 2025.

Adira Finance Chief Financial Officer Sylvanus Gani stated that the bond issuance will be used for consumer financing activities.

"All of it is for consumer financing activities, in connection with the company's business activities," he told Kontan on Monday (January 19).

Furthermore, Gani acknowledged that the company still has the opportunity to issue bonds this year. However, he stated that Adira Finance will first consider business conditions and funding needs before issuing bonds in 2026.

"Regarding the planned issuance of further bonds and sukuk, the company continues to monitor business conditions and future funding needs," he said.

Meanwhile, Gani explained that the average coupon rate and profit sharing on bonds or sukuk are showing a downward trend, in line with the decline in Bank Indonesia's benchmark interest rate, or BI Rate.

He stated that in the last issuance, conducted in October 2025, the coupon rate and profit sharing averaged around 5.5%.

For information, data from PT Pemeringkat Efek Indonesia (Pefindo) recorded that the value of debt securities or bonds issued by multifinance companies as of November 2025 reached IDR 37.98 trillion.

"This nominal value has increased 138% compared to the same period the previous year, which was only IDR 15.90 trillion," Pefindo Fixed Income Analyst Ahmad Nasrudin told Kontan on Monday (January 19, 2025).

Ahmad added that with this nominal value, the multifinance sector became one of the main contributors to the corporate debt securities market as of November 2025. He explained that this surge was driven by the need for multifinance companies to support consumer credit expansion.