KONTAN.CO.ID - JAKARTA. PT Radana Bhaskara Finance Tbk (HDFA) recorded an improvement in financing quality during the first half of 2026.

This is reflected in the net Non-Performing Financing (NPF) ratio, which fell from 3.30% at the end of 2025 to 2.62% in the first half of 2026.

HDFA Director Setiawan Nurtjahja stated that this improvement in financing quality was achieved through various strategies, ranging from portfolio monitoring to risk mitigation.

"This improvement reflects the results of strengthened portfolio monitoring, collection, and risk mitigation processes carried out continuously," he said during the 2026 Public Expose on Tuesday (September 8, 2026).

Meanwhile, during this period, the company's gross NPF level for its productive portfolio was maintained at 3.81%.

The maintenance of the company's financing quality aligns with a more selective approach to financing disbursement. This is reflected in the realization of new financing disbursements, which dropped by 41.4% year-on-year (YoY) to IDR 1.64 trillion in the first half of 2026.

Business segments related to natural resources—specifically mining and plantations—accounted for 50% of the financing portfolio, followed by the logistics segment (transportation and warehousing), as well as communications and construction.

This financing focus aligns with the contribution of these sectors to the Indonesian economy, given that Indonesia is a major exporter of natural resource commodities such as coal, tin, nickel, gold, copper, and palm oil.

For 2026, Radana Finance continues to ensure that financing disbursement remains selective and prudent. The targeted disbursement amount is IDR 4.1 trillion. In addition to leveraging its existing portfolio, the company continues to strengthen its two primary productive financing products: Asset-Based Financing (ABF)—or asset-based investment financing—and working capital financing, which complements ABF.