KONTAN.CO.ID - JAKARTA. PT Adira Dinamika Multi Finance (Adira Finance) recorded cash financing of IDR 8.4 trillion as of August 2026. Adira Finance’s Chief Financial Officer, Sylvanus Gani, noted that this figure represents positive growth compared to the same period in the previous year.

Gani stated that cash financing still has room for further positive growth through the end of the year, driven by public demand for financing to cover various consumptive and productive needs.

"Moving forward, the disbursement of cash financing will continue to be carried out selectively and prudently, taking into account economic conditions, public purchasing power, and consumers' repayment capacity. This ensures that growth remains healthy and sustainable," Gani said, as quoted on Thursday (October 15).

Meanwhile, regarding market competition, he observed that the cash financing segment is currently dynamic, as consumers have access to a wide range of funding sources—including multifinance companies, fintech lenders, and pawn shops.

He explained that competition is driven by several factors, such as interest rates, the ease of the application process, service speed, flexibility in terms and loan limits, and a company’s ability to understand the specific needs of its consumers.

Consequently, Gani noted that Adira Finance will leverage its extensive experience within the vehicle financing ecosystem, its broad customer base, its distribution network, and its core capabilities in vehicle valuation and risk management.