Welcoming POJK 35/2025, BRI Finance Implements 0% Down Payment Financing Based on Risk Management

Jakarta, 4 February 2026 – PT BRI Multifinance Indonesia (“BRI Finance”) welcomes the issuance of Financial Services Authority Regulation (POJK) Number 35 of 2025 which provides relaxation of down payments (DP) of up to 0% for finance companies that meet certain criteria. This policy is seen as an anticipatory step by the regulator in maintaining sustainable growth in the financing sector and strengthening the driving force of the national automotive industry amidst the dynamics of the economy which is still developing.

The DP relaxation is considered to open up wider space for finance companies to reach consumer segments that have adequate payment capacity but are constrained by limited initial funds. From BRI Finance’s perspective, this policy has the potential to increase inclusive financing accessibility while maintaining momentum for recovery in vehicle demand, especially in the retail and productive segments.

However, BRI Finance emphasized that the implementation of the 0% DP policy will be carried out selectively, measurably and based on strong risk management. The company is committed to maintaining a balance between accelerated financing growth and asset quality, as well as ensuring the sustainability of financial performance in the long term. The precautionary principle remains the main basis for every business decision making.

The President Director of BRI Finance, Wahyudi Darmawan, emphasized that strengthening governance and risk management is the main prerequisite for optimizing the DP relaxation policy.

“BRI Finance implements a 0% DP scheme with a comprehensive risk management approach. This is done by sharpening the debtor selection process with a stricter feasibility analysis, adjusting the financing structure and scheme, as well as controlling the tenor and financing ceiling, especially for multipurpose and consumer products,” said Wahyudi.

Furthermore, Wahyudi said that the company consistently monitors the quality of its financing portfolio to ensure credit risk remains within acceptable limits. “We ensure that every step of financing expansion remains in line with the company’s risk profile, so that the growth achieved is healthy, sustainable and able to provide added value for all stakeholders,” he stressed.

In terms of segmentation, BRI Finance projects four-wheeled vehicle financing as the most optimal segment in utilizing the 0% DP relaxation policy. This segment is considered to have a relatively more manageable risk profile, supported by consumer characteristics and more stable asset values. However, two-wheeled vehicle financing remains part of the company’s portfolio, especially for productive needs, with the implementation of stricter selection and ongoing monitoring to anticipate potential increases in the risk of default.

In line with this policy, BRI Finance also continues to strengthen synergy with the BRI Group ecosystem, including optimizing data, strengthening the credit assessment system, and increasing digital capabilities in the financing process. This step is expected to support the prudent implementation of the 0% DP policy while strengthening BRI Finance’s position as a financing company that is adaptive, responsible and oriented towards long-term growth.

This article also appeared on VRITIMES