Terms & Conditions:

1. Program valid from October 1 – October 31, 2025.
2. Promotion applies to refinancing products under the following categories:
   a. New Customer (first-time applicant)
   b. Repeat Order Lunas (Fully Paid Off) (re-application after settlement)
   c.Additional Order (additional financing)
   d. Top Up
3. Customers are entitled to receive a cashback in the form of shopping vouchers, with maximum value as follows:
4. Promotion is valid only for non-agent applications / personal bookings / walk-in customers.
5. Shopping vouchers are provided by SHF branch offices and can be redeemed at widely recognized supermarkets, minimarkets, or department stores such as Indomaret, Alfamart, Matahari, Ramayana, Superindo, and Transmart.