Lynn Ramli, Managing Director at PT Adira Quantum Mulifinance, a big electronic funding company targets its funding this year to increase by 40 to 50 percent to Rp2.8-3 trillion. In 2010, Adira managed to increase its funding distribution by 36 percent to Rp2 trillion. “In January 2011, Adira has distributed Rp160 billion of funding, increased by 40 percent compared to January 2010, “ he said.
With the increase, Adira targets the company’s asset to increase by 40 percent to Rp1.68 trillion. In 2010, Adira booked 36 percent of asset increase to Rp1.2 trillion.
To achieve the target, Adira will rely on its holding loan, PT Bank Danamon Indonesia Tbk. As one of its strategies to achieve the target, Adira does not plan to increase its credit interest rate this year despite the BI Rate increase. Adira now offers around 1.5 to 2.5 percent per year as its interest rate,” he added.
Besides maintaining previous interest rates, Adira also planned to open 100 new outlets this year. Fund to open new outlets is predicted to reach Rp10 billion and wil be allocated from the company’s internal cash. With the outlet opening, total number would reach 362.
According to Lynn, the 2011 economic growth target of the government at 6.3 percent will cause people to consume electronic products more. In 2010, when economic growth was at 6.1 percent, electronic funding growth was 36 percent.
Besides Adira Quantum, PT Federal Indonesia Finance Spektra also increased its electronic funding target. Renata Catur, Head of Corporate Communication and External Relation of FIF, said that for this year, the company targeted its funding to increase by 53 percent to Rp2 trillion from Rp1.3 trillion. “In January 2011, we booked electronic credit distribution at Rp131 billion,” she said.
With the increase, the total funding of the Federal in 2011 will increase by around 18 percent to Rp20 trillion. In 2010, the Federal was able to distribute Rp16.88 trillion of funding. It targeted the number of consumers to increase by 25 percent to 1.5 million from 1.2 million.
The IFT Research Department said that Indonesia’s economic growth and the BI policy which letting the Rupiah exchange rate to appreciate by the US dollar, created opportunities for the funding industry, particularly the electronic inductry. Electronic funding growth this year is predicted to increase by 30 to 40 percent, exceeding the automotive funding growth target.
For each electronic good, the funding company may have until 30 percent per year. This interest rate is higher compared to the automotive funding which is only at 26 percent. The higher interest rate is normal because electronic funding company has more risk than the automotive funding company. The automotive funding company has a guarantee to give the company, such as the Certificate of Vehicle Ownership (BPKB).
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