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 Indonesia

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 Kalimat
Perekonomian global mulai mengalami kemajuan seiring dengan pemulihan dari pandemi.
Kemajuan ini didorong dengan adanya pertumbuhan ekonomi dari negara-negara Asia, salah
satunya Indonesia.

The global economy is starting to show its progress in line with the recovery from the pandemic.
This progress is driven by economic growth of Asian countries, including Indonesia.

Menurut proyeksi PwC, pada tahun 2050 Indonesia akan menjadi negara dengan perekonomian
terbesar ke-4 di dunia.

According to PwC's projections, by 2050 Indonesia will be the 4th largest economy in the world.

According to PwC's projections, by 2050 Indonesia will be the 4th country with the largest
economy in the world.

Hal ini menjadikan Indonesia sebagai destinasi investasi yang menarik

This makes Indonesia to be an attractive destination for investment.

Pertumbuhan ekonomi di Indonesia didukung oleh berbagai sektor industri. Salah satu sektor
andalannya adalah industri otomotif.

Economic growth in Indonesia is supported by various industrial sectors including the automotive
industry as the main sector

Dibanding negara ASEAN lain, Indonesia memiliki rasio kepemilikan mobil yang cukup rendah,
sehingga pangsa pasar otomotif di Indonesia masih besar.

Compared to other ASEAN countries, Indonesia has a low ratio of car ownership, for which the
Indonesian automotive market share is still large.

Compared to other ASEAN countries, Indonesia has a low car ownership ratio, for which the
Indonesian automotive market share is still large.
Hasilnya, pertumbuhan sektor industri otomotif jadi lebih optimistis hingga tahun 2023.

As a result, the growth of the automotive industry sector has become more optimistic until 2023.

As a result, the automotive industry growth has become more optimistic until 2023.

Optimisme ini juga didukung oleh Industri pembiayaan.

This optimism is also supported by the financing industry.

Per April 2021, total penyaluran pembiayaan di Indonesia mencapai 30,3 triliun rupiah dengan
total piutang outstanding sebesar 389 triliun rupiah.

As of April 2021, the total distribution of financing in Indonesia reached 30.3 trillion rupiah with a
total outstanding receivables of 389 trillion rupiah.

As of April 2021, the total distribution of financing in Indonesia reached 30.3 trillion rupiah with
total outstanding receivables of 389 trillion rupiah.

Namun, tetap ada tantangan yang harus dihadapi dalam menjalankan perusahaan pembiayaan di
Indonesia.

However, there are still challenges in which Indonesian finance companies face

However, there are challenges in which Indonesian financing companies still have to face.

Pertama, butuh waktu yang cukup panjang untuk membangun kompetensi dan menguasai kondisi
pasar.

First, building competence and mastering market conditions require a long time

Selain itu, perusahaan harus berhadapan dengan berbagai tantangan operasional,

In addition, the company has to face various operational challenges,

kebijakan dengan peraturan pemerintah dan regulasi yang terus berkembang,

and constrantly evolving government policies and regulations,

constantly evolving government policies and regulations,

serta harus bersaing dengan 171 perusahaan pembiayaan lain di Indonesia sembari membangun
hubungan yang baik dengan pihak ATPM dan dealer.

and must compete with 171 other finance companies in Indonesia while building good
relationships with ATPMs and dealers.

and must compete with 171 other financing companies in Indonesia while building good
relationships with the Sole Agents and dealers.

Maka, perusahaan pembiayaan wajib memitigasi semua potensi risiko dan memastikan
keberlangsungan bisnis.

Thus, finance companies are required to mitigate all potential risks and ensure business continuity

Thus, financing companies are required to mitigate all potential risks and ensure business
continuity

Di sinilah Astra Credit Companies mengambil peran.

This is the point in which Astra Credit Companies come into play

This is the point where Astra Credit Companies come into play

ACC siap memitigasi semua itu.

ACC is prepared to mitigate all of the issues

-

Kami merupakan perusahaan pembiayaan terkemuka di Indonesia yang sudah berdiri sejak tahun
1982.

We are a leading finance company in Indonesia that has been established since 1982

We are a leading financing company in Indonesia that has been in the industry since 1982 (v) /
We are a leading financing company in Indonesia that was established in 1982

Saat ini ACC sudah mengelola 76 cabang di 58 kota dan mempekerjakan lebih dari 4500 karyawan
di seluruh Indonesia

Currently, ACC has managed 76 branches in 58 cities and employs more than 4500 employees
throughout Indonesia

Kami telah menghadirkan berbagai produk pembiayaan, mulai dari New Car, Used Car, Multi Guna,
Fleet, dan syariah.

We have presented various financing products, ranging from New Car, Used Car, Multi Guna, Fleet,
and sharia

We have provided various financing products, ranging from New Car, Used Car, Funding Facilities ,
Fleet, and sharia financing

ACC masih terus berkembang dengan mempunyai lebih dari 14.600 dealer partner dan melayani
lebih dari 439 ribu pelanggan aktif.

ACC is still growing by having more than 14,600 partner dealers and serving more than 439
thousand active customers

Salah satu bentuk komitmen kami adalah dengan diluncurkannya ACC ONE, aplikasi one-stop-
solution untuk memenuhi kebutuhan produk pembiayaan.

One of our commitments is to launch ACC ONE, a one-stop-solution application to meet the needs
of financing products.

One of our commitments is to launch ACC ONE, a one-stop-solution application & website to meet
the needs of financing.
Tidak berhenti disitu, kami juga membangun fondasi operasional internal secara digital melalui
ACC ME untuk mendukung proses akuisisi yang efisien dan efektif.

In addition, we are also building an internal operational foundation digitally through ACC ME to
support an efficient and effective acquisition process.

In addition, we are also building internal operational foundation digitally through ACC ME to
support an efficient and effective acquisition process.

Seluruh proses pengajuan aplikasi dari kedua platform ini sudah terkoneksi dengan Digital
Operation Center yang sudah terstandarisasi, transparan, modern, dan excellent.

The entire process of application submission from these two platforms is connected to the Digital
Operation Center which has been standardized, transparent, modern, and excellent.

ACC merupakan bagian dari ekosistem bisnis Astra yang sudah memiliki positioning dan pondasi
yang kuat dalam industri pembiayaan di Indonesia.

ACC is part of Astra’s business ecosystem which has already had a robust positioning and
foundation in the financing industry in Indonesia.

ACC is a part of Astra’s business ecosystem which has a robust positioning and foundation in the
financing industry in Indonesia.

Kami juga secara konsisten menerapkan continuous improvements, sehingga kami berhasil
menjadi perusahaan berprospek stabil AAA(Id) dari Pefindo Indonesia.

We have consistently implemented continuous improvements so that we have succeeded in

becoming a company with stable AAA (Id) prospects from Pefindo Indonesia.

We have been doing continuous improvements consistently, so that we have succeeded in

becoming a company with a consistent AAA (Id) prospects from Pefindo Indonesia.

ACC dapat memberikan solusi investasi untuk anda dalam bentuk kerjasama penyaluran
pembiayaan kepada konsumen di Indonesia.

ACC can provide investment solutions for you in the form of cooperation in financing distribution
to consumers in Indonesia.

Dengan mempercayakan kami sebagai Partner Pendanaan anda. Anda tidak perlu lagi berinvestasi
besar untuk mendirikan cabang, membangun kompetensi SDM, dan pengembangan integrasi
sistem.
By entrusting us as your Funding Partner. You no longer need to make huge investment to
establish branches, to build HR competencies, and to develop system integration.

By entrusting us as your Funding Partner, you no longer need to make a huge investment to
establish branches, build HR competencies, and develop system integration.

Selain itu, berbekal pengalaman yang cukup, risiko pembiayaan anda juga menjadi lebih terukur.

In addition, armed with sufficient experience, your financing risks will also be more measurable.

In addition, armed with sufficient experience, your financing risks will also be more quantifiable.

Anda juga akan memiliki market knowledge yang lebih luas untuk meningkatkan profit, dan
peluang keberlangsungan bisnis anda.

You will also have broader market knowledge to increase profits and opportunities for your
business continuity.

ACC adalah perusahaan yang handal dan terpercaya, memiliki basis jaringan offline yang kuat,
fokus dalam transformasi digital, posisi yang kuat dalam value chain astra, dan berperan aktif
untuk memberikan nilai tambah bagi bangsa Indonesia

ACC is a reliable and trusted company, has a strong offline network base, focuses on digital
transformation, has a strong position in the Astra value chain, and plays an active role in providing
added value to the Indonesian people.

Kami hadir untuk menjadi partner terbaik anda dalam menjawab solusi kerjasama pendanaan dan
pengembangan bisnis anda.

We are here to be your best partner providing the best solutions to handle your funding
cooperation and business development.

-
v

v
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v
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v
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v
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v
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v
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English
 Kalimat
Perekonomian global mulai mengalami kemajuan seiring dengan pemulihan dari pandemi.
Kemajuan ini didorong dengan adanya pertumbuhan ekonomi dari negara-negara Asia, salah
satunya Indonesia.

The global economy is starting to show its progress in line with the recovery from the pandemic.
This progress is driven by economic growth of Asian countries, including Indonesia.

Menurut proyeksi PwC, pada tahun 2050 Indonesia akan menjadi negara dengan perekonomian
terbesar ke-4 di dunia.

According to PwC's projections, by 2050 Indonesia will be the 4th country with the largest
economy in the world.

Hal ini menjadikan Indonesia sebagai destinasi investasi yang menarik

This makes Indonesia to be an attractive destination for investment.

Pertumbuhan ekonomi di Indonesia didukung oleh berbagai sektor industri. Salah satu sektor
andalannya adalah industri otomotif.

Economic growth in Indonesia is supported by various industrial sectors including the automotive
industry as the main sector

Dibanding negara ASEAN lain, Indonesia memiliki rasio kepemilikan mobil yang cukup rendah,
sehingga pangsa pasar otomotif di Indonesia masih besar.

Compared to other ASEAN countries, Indonesia has a low car ownership ratio, for which the
Indonesian automotive market share is still large.

Hasilnya, pertumbuhan sektor industri otomotif jadi lebih optimistis hingga tahun 2023.

As a result, the automotive industry growth has become more optimistic until 2023.

Optimisme ini juga didukung oleh Industri pembiayaan.

This optimism is also supported by the financing industry.

Per April 2021, total penyaluran pembiayaan di Indonesia mencapai 30,3 triliun rupiah dengan
total piutang outstanding sebesar 389 triliun rupiah.
As of April 2021, the total distribution of financing in Indonesia reached 30.3 trillion rupiah with
total outstanding receivables of 389 trillion rupiah.

Namun, tetap ada tantangan yang harus dihadapi dalam menjalankan perusahaan pembiayaan di
Indonesia.

However, there are challenges in which Indonesian financing companies still have to face.

Pertama, butuh waktu yang cukup panjang untuk membangun kompetensi dan menguasai kondisi
pasar.

First, building competence and mastering market conditions require a long time

Selain itu, perusahaan harus berhadapan dengan berbagai tantangan operasional,

In addition, the company has to face various operational challenges,

kebijakan dengan peraturan pemerintah dan regulasi yang terus berkembang,

constantly evolving government policies and regulations,

serta harus bersaing dengan 171 perusahaan pembiayaan lain di Indonesia sembari membangun
hubungan yang baik dengan pihak ATPM dan dealer.

and must compete with 171 other financing companies in Indonesia while building good
relationships with the Sole Agents and dealers.

Maka, perusahaan pembiayaan wajib memitigasi semua potensi risiko dan memastikan
keberlangsungan bisnis.

Thus, financing companies are required to mitigate all potential risks and ensure business
continuity

Di sinilah Astra Credit Companies mengambil peran.

This is the point where Astra Credit Companies come into play

ACC siap memitigasi semua itu.

ACC is prepared to mitigate all of the issues

Kami merupakan perusahaan pembiayaan terkemuka di Indonesia yang sudah berdiri sejak tahun
1982.

We are a leading financing company in Indonesia that has been in the industry since 1982

Saat ini ACC sudah mengelola 76 cabang di 58 kota dan mempekerjakan lebih dari 4500 karyawan
di seluruh Indonesia

Currently, ACC has managed 76 branches in 58 cities and employs more than 4500 employees
throughout Indonesia

Kami telah menghadirkan berbagai produk pembiayaan, mulai dari New Car, Used Car, Multi Guna,
Fleet, dan syariah.

We have provided various financing products, ranging from New Car, Used Car, Funding Facilities ,
Fleet, and sharia financing

ACC masih terus berkembang dengan mempunyai lebih dari 14.600 dealer partner dan melayani
lebih dari 439 ribu pelanggan aktif.

ACC is still growing by having more than 14,600 partner dealers and serving more than 439
thousand active customers

Salah satu bentuk komitmen kami adalah dengan diluncurkannya ACC ONE, aplikasi one-stop-
solution untuk memenuhi kebutuhan produk pembiayaan.

One of our commitments is to launch ACC ONE, a one-stop-solution application & website to meet
the needs of financing.

Tidak berhenti disitu, kami juga membangun fondasi operasional internal secara digital melalui
ACC ME untuk mendukung proses akuisisi yang efisien dan efektif.

In addition, we are also building internal operational foundation digitally through ACC ME to
support an efficient and effective acquisition process.

Seluruh proses pengajuan aplikasi dari kedua platform ini sudah terkoneksi dengan Digital
Operation Center yang sudah terstandarisasi, transparan, modern, dan excellent.

The entire process of application submission from these two platforms is connected to the Digital
Operation Center which has been standardized, transparent, modern, and excellent.

ACC merupakan bagian dari ekosistem bisnis Astra yang sudah memiliki positioning dan pondasi
yang kuat dalam industri pembiayaan di Indonesia.
ACC is a part of Astra’s business ecosystem which has a robust positioning and foundation in the
financing industry in Indonesia.

Kami juga secara konsisten menerapkan continuous improvements, sehingga kami berhasil
menjadi perusahaan berprospek stabil AAA(Id) dari Pefindo Indonesia.

We have consistently implemented continuous improvements so that we have succeeded in

becoming a company with stable AAA (Id) prospects from Pefindo Indonesia.

ACC dapat memberikan solusi investasi untuk anda dalam bentuk kerjasama penyaluran
pembiayaan kepada konsumen di Indonesia.

ACC can provide investment solutions for you in the form of cooperation in financing distribution
to consumers in Indonesia.

Dengan mempercayakan kami sebagai Partner Pendanaan anda. Anda tidak perlu lagi berinvestasi
besar untuk mendirikan cabang, membangun kompetensi SDM, dan pengembangan integrasi
sistem.

By entrusting us as your Funding Partner, you no longer need to make a huge investment to
establish branches, build HR competencies, and develop system integration.

Selain itu, berbekal pengalaman yang cukup, risiko pembiayaan anda juga menjadi lebih terukur.

In addition, armed with sufficient experience, your financing risks will also be more quantifiable.

Anda juga akan memiliki market knowledge yang lebih luas untuk meningkatkan profit, dan
peluang keberlangsungan bisnis anda.

You will also have broader market knowledge to increase profits and opportunities for your
business continuity.

ACC adalah perusahaan yang handal dan terpercaya, memiliki basis jaringan offline yang kuat,
fokus dalam transformasi digital, posisi yang kuat dalam value chain astra, dan berperan aktif
untuk memberikan nilai tambah bagi bangsa Indonesia

ACC is a reliable and trusted company, has a strong offline network base, focuses on digital
transformation, has a strong position in the Astra value chain, and plays an active role in providing
added value to the Indonesian people.

Kami hadir untuk menjadi partner terbaik anda dalam menjawab solusi kerjasama pendanaan dan
pengembangan bisnis anda.

We are here to be your best partner providing the best solutions to handle your funding
cooperation and business development.
Scene Language Sentences
Japanese The global economy is starting to show its progress in line
1 with the recovery from the pandemic. This progress is
English
driven by economic growth of Asian countries, including
Japanese Indonesia.
2 According to PwC's projections, by 2050 Indonesia will be
English
the 4th country with the largest economy in the world.
Jepang
3 This makes Indonesia to be an attractive destination for
English
investment.
Jepang Economic growth in Indonesia is supported by various
4
English industrial sectors including the automotive industry as the
Jepang main sector
5 Compared to other ASEAN countries, Indonesia has a low
English car ownership ratio, for which the Indonesian automotive
Jepang market share is still large.
6 As a result, the automotive industry growth has become
English
more optimistic until 2023.
Jepang
7a
English This optimism is also supported by the financing industry.
Jepang As of April 2021, the total distribution of financing in
7b
English Indonesia reached 30.3 trillion rupiah with total
Jepang outstanding receivables of 389 trillion rupiah.
8 However, there are challenges in which Indonesian
English
financing companies still have to face.
Jepang
9 First, building competence and mastering market
English
conditions require a long time
Jepang
10 In addition, the company has to face various operational
English
challenges,
Jepang
11
English constantly evolving government policies and regulations,
Jepang and must compete with 171 other financing companies in
12
English Indonesia while building good relationships with the Sole
Jepang Agents and dealers.
13 Thus, financing companies are required to mitigate all
English
potential risks and ensure business continuity
Jepang
14 This is the point where Astra Credit Companies come into
English
play
Jepang
15a
English ACC is prepared to mitigate all of the issues
Jepang
15b We are a leading financing company in Indonesia that has
English
been in the industry since 1982
Jepang
16 Currently, ACC has managed 76 branches in 58 cities and
English
employs more than 4500 employees throughout Indonesia

Jepang
17 We have provided various financing products, ranging from
English New Car, Used Car, Funding Facilities , Fleet, and sharia
financing
Jepang
18
18 ACC is still growing by having more than 14,600 partner
English dealers and serving more than 439 thousand active
customers
Jepang
19 One of our commitments is to launch ACC ONE, a one-stop-
English solution application & website to meet the needs of
financing.
Jepang
20 In addition, we are also building internal operational
English foundation digitally through ACC ME to support an efficient
and effective acquisition process.
Jepang
The entire process of application submission from these
21 two platforms is connected to the Digital Operation Center
English
which has been standardized, transparent, modern, and
excellent.
Jepang
22 ACC is a part of Astra’s business ecosystem which has a
English robust positioning and foundation in the financing industry
in Indonesia.
Jepang
We have consistently implemented continuous
23 improvements so that we have succeeded in becoming a
English
company with stable AAA (Id) prospects from Pefindo
Indonesia.
Jepang
24 ACC can provide investment solutions for you in the form
English of cooperation in financing distribution to consumers in
Indonesia.
Jepang
25 By entrusting us as your Funding Partner, you no longer
English need to make a huge investment to establish branches,
build HR competencies, and develop system integration.
Jepang
26 In addition, armed with sufficient experience, your
English
financing risks will also be more quantifiable.
Jepang
27 You will also have broader market knowledge to increase
English
profits and opportunities for your business continuity.
Jepang

ACC is a reliable and trusted company, has a strong offline

28 network base, focuses on digital transformation, has a
English
strong position in the Astra value chain, and plays an active
role in providing added value to the Indonesian people.

Jepang
29
29 We are here to be your best partner providing the best
English solutions to handle your funding cooperation and business
development.