FIFGROUP

FIFGROUP (PT Federal International Finance) is a leading financing company in Indonesia, offering both conventional and Sharia-compliant financial services. Through its brands—FIFASTRA, SPEKTRA, DANASTRA, FINATRA, and AMITRA—the company delivers comprehensive financing solutions, including motorcycle financing, multi-product consumer financing, cash facilities, productive loans, and Sharia-based services that meet diverse customer needs. Vision To become a nationally admired industry leader. Mission To bring a better life to society. Established in 1989 as PT Mitrapusaka Artha Finance, the company initially operated in leasing, factoring, and consumer financing under a license from the Ministry of Finance. In 1991, it rebranded as PT Federal International Finance, and in 2013 launched the unified FIFGROUP brand to strengthen its identity and nationwide presence. In line with OJK Regulations POJK 35/2018 and POJK 46/2024, FIFGROUP is authorized to provide: • Investment financing • Working capital financing • Multipurpose financing, operating lease, and fee-based services • Sharia financing through trade-based, investment-based, and service-based contracts • Other financing activities approved by OJK FIFGROUP operates through five key business lines: • FIFASTRA – Honda motorcycle financing • SPEKTRA – Multi-product financing for electronics, appliances, furniture, gadgets, and lifestyle items • AMITRA – Sharia-based financing for Hajj Plus, Hajj Regular, Umrah, and other Sharia products • DANASTRA – Multipurpose cash financing for personal and household needs • FINATRA – Productive financing that supports the growth of MSMEs With a nationwide network, strong governance, and a commitment to responsible financing, FIFGROUP continues to strengthen its role as a trusted financial partner that empowers individuals, families, and businesses across Indonesia.