The trend of purchasing motorcycles on credit in Indonesia continues to show strong momentum. Throughout the first half of 2026, PT Federal International Finance (FIF) recorded credit distribution for Honda motorcycles reaching IDR 15.81 trillion, growing by 8.67 percent year-on-year (yoy) compared to the same period last year.
President Director of FIF, Indra Gunawan, explained that this positive achievement reflects the high consumer trust in the financing solutions offered by the company. According to him, FIF will continue to strive to understand market need dynamics in order to deliver competitive financial services while providing sustainable added value.
The increase in credit distribution is in line with the trend of the national two-wheeler automotive market. Data from the Indonesian Motorcycle Industry Association (AISI) shows domestic motorcycle sales reached 3,129,587 units during the first half of this year, a slight increase of 0.8 percent yoy. Most consumers in the country indeed still rely on credit schemes to own a new vehicle.
Overall, FIF recorded a net profit of IDR 2.37 trillion in H1 2026, up 4.48 percent compared to the same period last year which was valued at IDR 2.27 trillion. This profit growth was supported by total financing distribution which rose 7.07 percent to IDR 25.43 trillion. FIF's business portfolio is not only supported by new motorcycle financing (FIFASTRA), but also electronic products (SPEKTRA), multi-purpose (DANASTRA), MSME productive micro (FINATRA), and sharia financing (AMITRA).
Up to June 2026, the total units facilitated by FIF's financing reached 1.70 million units. Of this number, the portion of Honda motorcycle financing is estimated to contribute around 1.05 to 1.06 million units, or a dominant contribution of 62.2 percent of the company's total portfolio.
Despite aggressively expanding credit, the company still managed to maintain optimal asset quality. FIF's Net Non-Performing Financing (NPF) ratio stood at a very healthy level of 0.28 percent. Management reiterated its commitment to continue strengthening business competitiveness and expanding inclusive financing access for the wider public.
