Financing Company

 

Business entities that carry out financing activities in the form of provision of funds or capital goods.
Financing Company Business Activities Based on Article 2 POJK No.29 / POJK.05 / 2014

 

Financing Company Business Activities include:

  1. Investment Financing
  2. Working Capital Financing
  3. Multi-Purpose Financing
  4. Other financing business activities based on OJK approval
   
1. Invesment Financing 3. Multi-Purpose Financing

Investment Financing Activities are intended for Debtors in the form of business entities or individuals who have productive businesses and / or who have ideas for the development of productive businesses. Investment Financing is done by:

1. Finance Lease

2. Sales and Leaseback

3. Factoring with collateral

4. puchase with payment in installments

5. Project Financing

6. Infrastructure Financing

7. Other Financing after first obtaining OJK approval

Multi Purpose Financing is done by :

1. Finance Lease

2. Purchase with payment in installments

3. Other financing after first obtaining OJK approval

2. Working Capital Financing 4. Tips for choosing a finance company

Investment Financing Activities are intended for debtors in the form of business entities or individuals who have prodictive for the development of productive businesses

Working Capital Financing is done by :

1. Selling and leasing

2. Factoring with collateral

3. Unsecured Factoring

4. Business capital Facilites

Recognize the benefits and risks of financial Company well :

1. When signing a financing agreement, always make sure and ask the officer, how much monthly installment amount and what date is the installment payment (ussually called the due date)

2. Always make sure and ask what percentage of the penalty per day if it's too late to pay the installments.

3. Always make sure and ask anywhere can pay installment, fo example: current accounts/checks,Transfers, ATM Banks, supermarkets outlets (called online payments), Financing Company Offices, or through Collectors whoe came home, and what is the additional cost of each (if any).

4. Always make sure and ask : The finance company's call center so that if there is something that is not right with the service, it can submit an objection directly.

5. Always make sure and ask : if there is something that is not right, damage, and accident on goods that are finance, how is the insurance claim processand and what should be prepared so that the insurance clain can be immediately liquided.

6. Always make sure and ask : How long is guarentee for finaning can be taken after all principal insatllments and penalities have been repaid

7. Always make sure and don't be shy about askinbg all of the above before signing the financing agreement with the finance company

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