PT Clipan Finance Indonesia, Tbk is an Indonesian financial institution offering services in finance leases, consumer financing, and factoring[1][3]. Their products include vehicle financing, heavy equipment loans, and multi-purpose loans for personal needs[5]. The company targets both individual consumers and businesses, focusing on retail consumer financing[3]. Their unique selling proposition is being one of the oldest and most reputable financing companies in Indonesia, with a strong affiliation to the Panin Group[3]. This affiliation enhances their credibility and financial stability, making them a trusted choice for financial services.