KONTAN.CO.ID - JAKARTA. PT Adira Dinamika Multi Finance Tbk, or Adira Finance, is monitoring the impact of the increase in Bank Indonesia's benchmark interest rate (BI Rate) to 5.25% on financing disbursement prospects until the end of the year.

Adira Finance Chief Financial Officer, Sylvanus Gani, stated that the BI Rate increase not only impacts financing companies' cost of funds but also consumer behavior.

"The BI Rate increase to 5.25% is one of the factors we are monitoring when assessing financing disbursement prospects for the remainder of this year," Sylvanus told Kontan on Friday (May 22, 2026).

He explained that in a higher interest rate environment, some consumers tend to be more cautious or delay purchasing decisions due to considerations of purchasing power and affordability.

Nevertheless, Adira Finance believes that the need for financing remains, particularly to support people's mobility and productive activities.

Regarding financing interest rates, Gani stated that the BI Rate increase could indeed put pressure on companies' funding costs. However, the adjustment in financing interest rates is not automatic.

"However, these adjustments are not made automatically, but rather take into account various factors, including market conditions, product segmentation, consumer risk profiles, levels of competition, and others," he continued.

To maintain financing growth amidst pressures on interest rates and consumer purchasing power, Adira Finance will strengthen disciplined margin management, diversify funding sources, and improve operational cost efficiency.

Furthermore, the company remains focused on maintaining asset quality from the beginning of the acquisition process through the application of prudent principles. Collection activities and portfolio monitoring are also being strengthened to keep non-performing loan risk under control.

"With this strategy, the company strives to maintain a balance between financing growth, profitability, and asset quality amidst higher interest rates," he explained.