PT Adira Dinamika Multi Finance Tbk or Adira Finance was
established in 1990 and started its operation in 1991. Since the
beginning, Adira Finance committed to be the best and foremost finance
company in Indonesia. Adira Finance presents to serve various financing
as of vehicles, both new or used ones. Recognize the potential, Adira
Finance began to conduct initial public offering for its shares in 2004
and Bank Danamon became the majority shareholder with 75% ownership.
Through some corporate actions, currently Bank Danamon owns 92.07% of
Adira Finance’s shares. Adira Finance is becoming part of Temasek
Holding, an investment company owned by the Government of Singapore.
In 2012, Adira Finance has augmented its business activities with
sharia financing. In order to provide maximum financing service, the
Company begin to provide durables financing for its customers. Until
2015, Adira Finance operated 558 business networks throughout Indonesia
and supported by more than 21 thousand employees, to serve 3 million
customers with more than Rp40 trillion of managed receivables.
Adira Finance continuously contributes to the nation and the country
of Indonesia. Through its brand identity and commitment, namely “Sahabat
Setia Selamanya”, Adira Finance committed to impose its mission which
ends with the increment of the welfare of the Indonesian society. It is
performed through the providing of various products and services
according to the customers’ life cycle as well as providing beneficial
experiences to the customers. Adira Dinamika Multi Finance ADMF
Car credit
Adira Finance as one of the leading financing companies in Indonesia offers facilities for its Friends to own vehicles (new and second cars) of various brands with easy credit terms, long tenures, Adira Ringing information service 1500 511, service networks in more than 500 networks businesses in Indonesia and a secure BPKB storage system. Adira Finance also has two financing systems that customers can choose from (conventional and sharia). The following calculation of a used or new car loan simulation that you can try.
Adira Finance will always be present by providing products and services that vary according to the life cycle of consumers and provide a beneficial experience for their friends. Adira Dinamika Multi Finance ADMF
Adira Finance as one of the leading financing companies in Indonesia offers facilities for its Friends to own vehicles (new and second cars) of various brands with easy credit terms, long tenures, Adira Ringing information service 1500 511, service networks in more than 500 networks businesses in Indonesia and a secure BPKB storage system. Adira Finance also has two financing systems that customers can choose from (conventional and sharia). The following calculation of a used or new car loan simulation that you can try.
Adira Finance will always be present by providing products and services that vary according to the life cycle of consumers and provide a beneficial experience for their friends. Adira Dinamika Multi Finance ADMF
Motorcycle Loans
Adira Finance as one of the leading financing companies in Indonesia offers convenience for its Companions to own vehicles (new and used motorcycle loans) from various brands with easy credit terms, long tenures, Adira Ringing information service 1500 511, service network in more than 500 business networks in Indonesia and a secure BPKB storage system. Adira Finance also has two financing systems that customers can choose from (conventional and sharia). To do a credit simulation, please click here.
Adira Finance will always be present by providing products and services that vary according to the life cycle of consumers and provide a beneficial experience for their friends. Adira Dinamika Multi Finance ADMF Adira Dinamika Multi Finance ADMF
Adira Finance as one of the leading financing companies in Indonesia offers convenience for its Companions to own vehicles (new and used motorcycle loans) from various brands with easy credit terms, long tenures, Adira Ringing information service 1500 511, service network in more than 500 business networks in Indonesia and a secure BPKB storage system. Adira Finance also has two financing systems that customers can choose from (conventional and sharia). To do a credit simulation, please click here.
Adira Finance will always be present by providing products and services that vary according to the life cycle of consumers and provide a beneficial experience for their friends. Adira Dinamika Multi Finance ADMF Adira Dinamika Multi Finance ADMF
Multipurpose Credit
What is a Maxi Multipurpose product?
Types of financing for Consumer needs for Goods and Services by pledging BPKB Motor vehicles / Cars. Example: For the cost of home renovation, travel / travel, education, credit back motor vehicles, electronics and others
Who can take Multipurpose Maxi products?
All communities, both active and non-active ADIRA Debtors and New Customers.
Can you take Multipurpose Maxi products without guarantee?
No, currently, to apply for a multipurpose product, you have to guarantee BPKB Motor / Car.
What can be used by Multipurpose Maxi products?
Which can be financed for this multipurpose product are:
Travel / Travel
Cost of education
Health costs,
Home Renovation Costs
Costs for applying for a franchise package
Buy motor vehicles, electronics
Travel / Travel
Cost of education
Health costs,
Home Renovation Costs
Costs for applying for a franchise package
Buy motor vehicles, electronics
Do Customers have to take goods / products / packages from partners in cooperation with Adira Finance?
Not mandatory. The customer can choose his own third party service provider
Should the disbursement of Multipurpose Maxi products be disbursed to a third party?
Not mandatory. Disbursement of funds can be done to consumers on the condition that consumers can attach invoices / receipts from third parties or Budget Details (RAB) made by the Consumer
What is the difference between MAXI and Multipurpose Maxi?
Multipurpose financing has specific financing purposes, for example for home renovation, travel / travel, education, etc. and can be proven by RAB / Invoice / receipt from third parties MAXI financing is more general (tailored to customer needs) and is not required to attach RAB / Invoice / receipts from third parties
What are the requirements for applying for a Multipurpose Maxi product?
The requirements to apply for a multipurpose product are as follows:
KTP (husband / wife)
Family card
Proof of Income
Proof of Home Ownership
Vehicle Documents:
vehicle registration
BPKB + Original Invoice
KTP (husband / wife)
Family card
Proof of Income
Proof of Home Ownership
Vehicle Documents:
vehicle registration
BPKB + Original Invoice
How old can a vehicle be financed?
For Motor units: a maximum of 8 years from the year of production to the end of the credit period, and evidenced by BPKB / STNK / Invoice For passenger / passenger car units: a maximum of 12 years from the year of production until the end of the credit period, and evidenced by BPKB / STNK / Invoice For Comercial car units: a maximum of 10 years from the year of production until the end of the credit period, and evidenced by BPKB / STNK / Invoice Adira Dinamika Multi Finance ADMF
Furniture & Electronic Loans
Adira Finance as one of the leading financing companies in Indonesia offers convenience for its friends to have electronic products such as laptops, refrigerators, air conditioners, washing machines, TVs, and household furniture such as furniture, cabinets, etc. from various brands with credit conditions easy, large payment options, and friendly information services (Ring Adira 1500 511). Adira Finance also has two financing systems that customers can choose from (conventional and sharia). If you are interested, we provide credit simulations for electronic goods and furniture for those of you who really want to know how the details and calculations.
Adira Finance will always be present by providing products and services that vary according to the life cycle of consumers and provide a beneficial experience for their friends.
How to apply for electronic and furniture financing at Adira Finance?
Consumers can come directly to the nearest Adira Branch Office for submission or to stores that have cooperated with Adira.
What are the general requirements for applying for financing at Adira Finance?
General requirements for potential customers:
Indonesian citizens
Minimum age 21 years, maximum 55 years at the end of the financing tenor
Have a proven income
Indonesian citizens
Minimum age 21 years, maximum 55 years at the end of the financing tenor
Have a proven income
What are the document requirements for applying for electronic and furniture financing at Adira Finance?
Specifically for existing consumers of Adira Finance / Adira Quantum:
Fill out & sign the Financing Application Form
FC KTP is active
Fill out & sign the Financing Application Form
FC KTP is active
For new consumers:
Fill out & sign the Financing Application Form
FC KTP is active
Proof of income document (FC salary slip / Original Income Statement / FC savings account
FC NPWP must be attached if submission> IDR 50,000,000
Fill out & sign the Financing Application Form
FC KTP is active
Proof of income document (FC salary slip / Original Income Statement / FC savings account
FC NPWP must be attached if submission> IDR 50,000,000
What are the income requirements if you want to apply for electronic and furniture financing at Adira Finance?
What collateral must be given for electronic / furniture financing?
What is the loan interest rate & term of installments?
For interest rates and financing tenor, you can directly ask the nearest Adira Finance Branch Office because it is different according to the policies of each Branch.
If I have motor / car installments, can I still apply for electronic / furniture financing?
This depends on the results of the income analysis and the size of the installments according to company policy.
What items can be financed?
In general, all goods in a shop that has worked together can be funded, including among others:
Electronics: home appliance, au-vi, camera
Furniture: spring bed, sofa, table, chair, cupboard
Computers: desktop PCs, laptops
Gadgets: tablets, mobile phones
Others: bicycles, electric generators, fitness equipment, etc
Electronics: home appliance, au-vi, camera
Furniture: spring bed, sofa, table, chair, cupboard
Computers: desktop PCs, laptops
Gadgets: tablets, mobile phones
Others: bicycles, electric generators, fitness equipment, etc
How much is a loan repayable?
Minimum IDR 1,000,000, Maximum IDR 100,000,000
How much is the down payment?
Especially for existing Adira Finance customers, no advance payment is required for all types of goods to be financed.
How much does it cost to submit an electronic / furniture financing?
There is no charge for submitting electronic / furniture financing.
Are there administrative costs for electronic / furniture financing?
Administrative fees are charged only for applications that have been approved and transacted.
What is the mechanism for taking goods?
The goods are taken after the submission is approved, carried out at the designated store / selected by signing an Order Letter. At that time, consumers are required to make the first payment to the store, consisting of:
Down payment (if any)
The first installment, does not apply if the scheme in arrears (the first installment is paid in the following month)
Administrative Fee for Submission of Financing
Can items be represented?
May be accompanied by a warrant on the mattress
Are goods financed insured by Adira Finance?
Uninsured
Is Adira Finance responsible if the items taken do not work?
Related to the specifications of goods and their functions are the responsibility of the store. Adira Finance is not responsible for damage caused to the goods. Adira Dinamika Multi Finance ADMF
Adira Finance Syariah has many Sharia financing products including Syariah Motor products (new & used), Syariah Mobil (new & used), Syariah Durable (electronics & furniture), and Syariah Umrah (regular & corporate).
The Umrah Sharia Financing Product is a financing product for the Umrah package using a Shariah-based contract, namely the Murabahah contract (the sale and purchase agreement with firm profit).
Sharia Umrah financing product is one of Adira Finance Syariah's flagship products, because this product helps prospective pilgrims to be able to go to Umrah worship, without having to wait for cash or save first.
Adira Finance Syariah has partnerships with more than 35 local & national Umrah travels, for example NRA, ESQ, Sahara Kafila and other Umrah travels.
Umrah Sharia Financing Products are available at 40 Sharia Unit Branch Offices (KCUS) in Indonesia.
There are 2 types of Sharia Umrah products namely:
• Regular, Umrah Sharia Financing with a BPKB motorbike or car guarantee.
• Corporate, Umrah Sharia Financing without collateral (salary deduction).
The advantages of Sharia Umrah financing are:
1. Can leave first, gradually behind
2. Can send a beloved family
3. There are various types of Umrah packages from dozens of trusted Umrah travel Adira Dinamika Multi Finance ADMF
