Astra Credit Companies (ACC)
ACC Group is made up of four financing companies, namely PT Astra Sedaya Finance, PT Swadharma Bhakti Sedaya Finance, PT Astra Auto Finance and PT Staco Estika Sedaya Finance, and a company engaged in collection services, PT Pratama Sadya Sadhana. ACC offers both conventional and sharia financing.
Products and Services
ACC offers new car, used car and heavy equipment financing; multipurpose financing; housing financing and working capital financing. ACC stands firm on the principle of balancing between the growth of amount finance and the quality of the receivables with the integrated risk management application. It also consistently conducts a prudent acquisition process and a professional receivables management. By the end of 2017, ACC’s business portfolio consists of 64% new car financing (2016: 77%), 17% used car financing (2016: 17%) and 19% financing in other sectors (2016: 6%).
Marketing and Sales Network
ACC continues its expansion strategy of distribution facilities by adding two new branches, making the number of ACC branch at the end of 2017 to reach 75 branches. ACC’s strategy to maximize wider market access was through digital service innovation. First launched in 2016, the ACC Yes! Your Easy Solution application provides seamless access for customers in conducting online transactions and payments. In 2017, ACC Yes! application was developed by adding a number of new features so that it is a lot easier to pay installments and a lot faster to get the services for the customers. ACC also expands its payment network to market place and mini markets as well as working together with the Directorate General of Population and Civil Registry (Dukcapil) to develop a more prudent financing process