Adira Finance (ADMF) and Astra Credit Companies (ACC) continue to demonstrate strong financial performance through consistent risk management strategies. Both subsidiaries of the Astra Group have implemented comprehensive measures to ensure their Non-Performing Financing (NPF) remains below 5%, even amid global and domestic economic challenges.
Maintaining a Healthy Portfolio
Adira Finance reported stable credit growth in 2025, supported by increased consumer demand and responsible lending practices. The company has focused on maintaining portfolio quality by strengthening credit assessment systems and improving customer verification processes.
Meanwhile, Astra Credit Companies applied a similar approach by tightening internal controls and monitoring high-risk sectors more closely. These combined strategies have proven effective in preventing a significant rise in default rates while still allowing for business expansion.
According to management reports, the collaboration between Adira and ACC has been instrumental in maintaining a healthy financial ecosystem within Astra’s multifinance segment. Both companies continue to prioritize prudent lending, supported by technological innovation and data analytics to assess creditworthiness more accurately.
Digital Transformation in Risk Management
In addition, Adira Finance has accelerated its digital transformation initiatives to enhance risk monitoring efficiency. Through AI-based credit scoring, the company can detect early warning signs of potential defaults. This proactive method helps maintain a healthy balance between growth and stability.
Astra Credit Companies also leverages digital tools to manage collections and improve customer experience. By adopting automation and predictive analytics, they can identify repayment patterns and implement tailored solutions for borrowers at risk of delinquency.
Furthermore, both companies have expanded their online financing platforms, offering easier access to customers while maintaining rigorous data protection and compliance standards. This approach supports sustainable growth and aligns with the government’s financial inclusion goals.
Outlook for 2025
Looking ahead, Adira Finance and Astra Credit aim to keep their NPF ratios below 5%, even as interest rates and market conditions fluctuate. Both companies are committed to balancing profitability and customer trust through effective risk management and digital innovation.
The success of Adira Finance and ACC illustrates the importance of combining technology-driven strategies with sound financial discipline. By doing so, these two leading finance institutions not only protect their business resilience but also strengthen the stability of Indonesia’s multifinance industry.
Baca Juga : Why Relationships Start to Fall Apart: How To Fix Them
