{"id":110,"date":"2019-10-03T09:59:58","date_gmt":"2019-10-03T02:59:58","guid":{"rendered":"https:\/\/af.co.id\/en\/?p=110"},"modified":"2019-12-06T08:23:32","modified_gmt":"2019-12-06T01:23:32","slug":"markets-customers-and-business-partners","status":"publish","type":"post","link":"https:\/\/af.co.id\/en\/?p=110","title":{"rendered":"Markets, Customers, and Business Partners"},"content":{"rendered":"\n
\"\"<\/figure><\/div>\n\n\n\n

Markets, customers, and business partners are the strategic\nelements in the financing business. As a part of a lending market in the\nfinancial industry, the market of financing business is a very competitive\nmarket, since both banks and non-bank financial institutions offer similar and\nsubstitutive products. Therefore, the ability to choose and establish segments,\ntargets, and positioning becomes very important. PT Armada Finance has mapped\nits market target, so it has focused on customers.<\/p>\n\n\n\n

Served Market<\/strong><\/p>\n\n\n\n

Our goal is not to obtain the largest share of the market. Our\ninterest is mainly to obtain the most profitable share of each market segment\nwe serve. We believe the key to penetrating these markets is to enter the\nmarkets with superior, innovative, and personalized products, and to provide a\nhigh level of quality and customer service. Our markets are primarily micro, small\nas well as medium scale enterprises and families, and our objective is to\nachieve comparable penetration in every major geographical market in every\nregion in Indonesia.<\/p>\n\n\n\n

Quality<\/strong><\/p>\n\n\n\n

Customer satisfaction and delight, and thus our success, is\ncritically dependent on our ability to deliver high-quality products and\nservices. A high-quality product or service is one that is delivered and\nperforms as promised.<\/p>\n\n\n\n

High quality is not a static condition. It is susceptible to\ncontinuous improvement through systematic identification and elimination of\ncauses of errors and variances, through development of improved systems and\nprocesses, and through education and training. Continuous improvement of\nquality leads not only to greater customer satisfaction and delight, but also\nto higher productivity and lower costs.<\/p>\n\n\n\n

The concept of quality improvement is applicable to every area of\nthe Company, including marketing, credit policy and investigation, customer\nservice, finance and human resources, as well as equipment and working\nenvironments. Every employee should be committed to quality improvement and\nshould be determined to \u201cdo it right the first time and do it better the next time\u201d.<\/p>\n\n\n\n

Customers<\/strong><\/p>\n\n\n\n

Satisfying and delighting our customers\u2019 needs are fundamental to\nour survival and our prosperity. These needs can best be understood in terms of\nthe support we lend our customers in helping them meet their goals and\nobjectives with the optimum use of their own resources. Thus, our goals must be\nto provide superior, competitive, and personalized products that conform to\ntheir unique needs and offer innovative solutions to our customers\u2019 problems.\nIn so doing, we must work hard at understanding our customers\u2019 businesses and\nfamilies so that we may anticipate their needs and deliver the most suitable\nproducts and services to meet those needs. We wish to be a faithful partner to\nour customers and to establish long-lasting business relationships based on\nquality, integrity, and mutual benefit.<\/p>\n\n\n\n

Business Partners<\/strong><\/p>\n\n\n\n

Our bankers and agents are business partners in our efforts to\ndevelop market share by fulfilling our customers\u2019 needs. This requires that we\nbe open and frank about our plans and requirements as they would affect our\nbankers and dealers. It also requires that we seek to understand the\nconstraints placed upon our bankers and agents by their technology, cost\nstructures, and financial resources. We place strong emphasis on associating\nwith bankers and agents who are financially stable, competent, and honest and\nwho are consistent in meeting in their supports, cooperation, and quality\ncommitments to us.<\/p>\n\n\n\n

Human Resource\nDevelopment<\/strong><\/p>\n\n\n\n

Our employees\u2019 personal motivation and interests are primarily\nrelated to ascending needs for security, safety, purpose, recognition,\nidentity, and the realization of one\u2019s full potential. Our corporate goals are\nthus best achieved in an environment that encourages and assists employees in\nthe achievement of their personal goals, while helping the Company achieve its\ngoals. We therefore seek to offer our employees a challenging and stable work\nenvironment where they can earn above average compensation for above average\nperformance and contribution to the Company. It is our policy to offer\nunrestricted opportunity for personal advancement by giving them opportunities\nto lead and opportunity to make mistakes, grow, develop and test new ideas.<\/p>\n\n\n\n

Our objective is to build mutual respect, confidence and trust in\nour personal relationships based upon commitments to integrity, honesty,\nopenness and competence. Our policy is to share the Company\u2019s success with\npeople who make it possible.<\/p>\n\n\n\n

Our personnel policies can be defined by way of five basic\nprinciples, namely:<\/p>\n\n\n\n

  1. To provide the climate and resources that will enable all staffs\nto advance on merit as far as their talents and skills will take them, without\nregard to age, color, handicap, marital status, national origin, race,\nreligion, sex, or veteran status;<\/li>
  2. To offer pay and benefits that are fair and competitive;<\/li>
  3. To make certain that ideas, concerns and problems are identified\nand that two-way communications is effectively maintained;<\/li>
  4. To provide an environment that identifies, encourages, and rewards\nexcellence, innovation, and quality customer service;<\/li>
  5. To remember always that respect for human dignity is fundamental\nto our success.<\/li><\/ol>\n","protected":false},"excerpt":{"rendered":"

    Markets, customers, and business partners are the strategic elements in the financing business. As a part of a lending market<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"colormag_page_container_layout":"default_layout","colormag_page_sidebar_layout":"default_layout","pagelayer_contact_templates":[],"_pagelayer_content":"","footnotes":""},"categories":[],"tags":[],"class_list":["post-110","post","type-post","status-publish","format-standard","hentry"],"_links":{"self":[{"href":"https:\/\/af.co.id\/en\/index.php?rest_route=\/wp\/v2\/posts\/110","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/af.co.id\/en\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/af.co.id\/en\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/af.co.id\/en\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/af.co.id\/en\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=110"}],"version-history":[{"count":2,"href":"https:\/\/af.co.id\/en\/index.php?rest_route=\/wp\/v2\/posts\/110\/revisions"}],"predecessor-version":[{"id":776,"href":"https:\/\/af.co.id\/en\/index.php?rest_route=\/wp\/v2\/posts\/110\/revisions\/776"}],"wp:attachment":[{"href":"https:\/\/af.co.id\/en\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=110"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/af.co.id\/en\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=110"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/af.co.id\/en\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=110"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}