The expansion of the credit card of PT Bank International Indonesia Tbk potentially hampered due to image fading due to the death of customer banking Citibank NA Indonesia Irzen Octa happened lately.
Director of Consumer Bank International Indonesia (BII) Stephen Liestyo said the banking scandals that occurred lately has the potential to reduce the expansion of credit cards by 5% from this year’s growth target of 20%.
“Our target to grow 20%, [Case] can not influence it could also be influential. If there is any effect at reduced a maximum of 5%,” he said today.
Based on the record business, financing credit card company last year reached Rp 4, 71 trillion, equivalent to 8.8% of total loans reaching Rp53, 6 trillion.
With a target growth of 20%, then the credit card financing this year is expected to reach Rp 5, 65 trillion. If it happens then Stephen worries that growth decreasing maximum Rp240 billion to Rp 5, 41 trillion.
Stephen added the company would be careful in collecting the debt to avoid a recurrence of cases of persecution that befell customers Citibank NA Indonesia. Still, he said, debt collection will still employ a third party.
The cost is cheaper, he said, became one of the reasons why debt collection work to other companies disubkontrakan. In addition, he continued, debt collection work requires special skills to enter that can not be done by bankers.
Stephen adds BII will be more cautious in providing credit card facilities to new customers to avoid bad credit. Debtor Information System which is owned by Bank Indonesia will be used to avoid customer problems.
In addition, he said, BII will avoid providing credit card facilities to certain professions which are notoriously difficult to recover when having outstanding debt.
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Filed under credit card by on Apr 15th, 2011. Comment. 
PT Bank Permata Tbk tahun ini berniat memperbesar bisnis kartu kreditnya. Setelah mengakuisisi GE Finance Indonesia (GEFI), pekan lalu, bisnis kartu kredit PermataBank bakal tumbuh tiga kali lipat.
“Saat ini, kartu kredit kami yang beredar di pasar sudah mencapai 250.000 kartu,” ujar Direktur Retail Banking PermataBank Lauren Sulistiawati, Selasa (15/6). GEFI yang memiliki brand GE Money merupakan perusahaan pembiayaan (multifinance) yang menjadi pemain utama di bisnis kartu kredit.
Ia bilang, GE Finance mempunyai basis konsumen yang besar sehingga memberi nilai tambah bagi PermataBank. “Kami ingin jadi salah satu pemain terbesar dalam bisnis consumer banking dan commercial banking,’ jelasnya.
Tunggu persetujuan BI
Mengutip data Bank Indonesia (BI) per April 2010, Pembiayaan kartu kredit yang sudah disalurkan oleh multifinance mencapai Rp 872 miliar. Angka ini turun 19,72 % dibanding penyaluran pembiayaan kartu kredit per akhir April 2009 yang sebesar Rp 1,04 triliun.
Lauren mengatakan, akuisisi GE merupakan cara cepat dan murah untuk mengembangkan bisnis kartu kredit PermataBank. Sayangnya, ia belum bersedia menyebutkan berapa biaya yang dikeluarkan PermataBank untuk mengakuisisi GEFI. “Kami masih menunggu persetujuan dari BI agar dapat merampungkan akuisisi tersebut,” imbuhnya.
Sekadar informasi, pada 8 Juni lalu PermataBank resmi menandatangani Shares Purchase Agreement (SPA) untuk membeli 100% saham GEFI. Rinciannya: sebanyak 340.386 saham dimiliki oleh GE Capital International Holdings Corporation dan 146.774 saham dimiliki oleh PT General Electric Services Indonesia.
David Fletcher, Direktur Utama PermataBank, menambahkan akuisisi ini merupakan upaya Permata memaksimalkan pengunaan likuiditas dan permodalan untuk mengembangkan bisnisnya.
Sumber: www.kontan.co.id
Filed under credit card by on Jun 27th, 2010. Comment.