Following the deregulation in the financial sector in 1988, DSU group decided to diversify into financial business by establishing PT.Tifa Finance ( "Tifa" ) in June 1989 to engage in consumer financing, factoring and venture capital activities, later extended to leasing activities as approved by Minister of Finance at 12 Mei 1990 (Minister of Finance decree No.526/KMK/013/1990). The company commenced its full operations in early 1990 with consumer financing as a start and then expanded to leasing and factoring activities.

In February 1996, the company formed a joint venture with the Tan Chong Motor Group ("TCMG") of Malaysia, through TCMG's subsidiary of Tan Chong Credit Pte Ltd. of Singapore. In May and June 1996, TCMG injected fresh fund of approximately US$ 10 million into the company to strengthen its equity, entailing the shareholding structure become 52 : 48 for PT?Dwi Satrya Utama?and TCMG respectively. TCMG is the assembler and sole distributor of Nissan motor vehicles and the largest automotive parts manufacturer in Malaysia. TCMG is also involved in the distribution of heavy vehicles and machineries, property investment, and trading and services. Overseas, TCMG's activities cover the importation and sales of Nissan motor vehicles and property development in Singapore. It also distributes Subaru motor vehicles in Hong Kong and China. Other investments are in China, Australia, Hong Kong, Vietnam, Papua New Guinea and Indonesia. In July, 1998, a demerger scheme of the Groups foreign operation was completed. Tan Chong Credit Pte. Ltd. become a fully owned subsidiary of Tan Chong International Ltd which is listed in Hong Kong Stock Exchange.

PT. Tifa Finance staffed by 50 employees has been operating one full branch in its head office located in Kuningan Barat No.26, Jakarta and two branch offices in Surabaya, East Java and Semarang, Central Java. We consider putting up representative or virtual office in Palembang or Pekanbaru?or Eastern part of Indonesia. The Company was initially established in 1989 with initial paid up capital of Rp. 5 billion, then increased to Rp. 9 billion in October 1991. In September 1994, the shareholders decided to further increase the capital up tp Rp. 19,7 billion. In October 2006, the existing shareholders increased the paid up capital tp Rp. 102.39 billion proportionally. Current ownership structure is as following :