• Consumer credits have more than doubled in the past five years
• The largest credit providers are state banks
• Banks  continue to eye consumer credits        6

• Current Issue        7
• Multi-finance Products and Services        8
• Development of multi-finance companies        8
• Multi-finance based on type of business        9
• Revocation of licenses of companies        10
• New licenses        11
• Multi-finance companies by status        12
• Ownership of multi-finance companies        13
• Main players        15
• Performance of multi-finance industry        18
• Multi-finance companies having largest assets        19
• Federal International Finance has largest financing credits        23
• NPL low        25
• Performances of listed multi-finance companies        28
• Interest rates        30
• Sources of funds        32
• Government regulation and policy        34
• Capital requirement        36
• Conclusion and Prospects        36

• Backgrounds        38
• Pulp and paper industry        39
• Agribusiness Industry        40
• Developers and Real Estates        42
• Financial services        43
• Telecommunications Service        44
• Energy and Mining        45
• Financial performance        46

• Description of Indonesia's car industry        48
• Car production up in 2010        49
• Car sales up in 2010        50
• Business in car purchase financing   dominated by few big players        51
• Astra Sedaya Finance has largest assets        51
• Astra Sedaya Finance leads in market of car purchase f credits        52
• Proportion of credits to assets high        54
• Capital to asset ratios        55
• Liabilities to asset ratios        56
• Adira Dinamika Multifinance leads in ROA        58
• BCA Finance has the highest ROE        59
• New booking up in 2010        60
• A number of players expand credits for the purchase of second hand cars        61
• Business players issued bonds        63
• Profiles of main multifinance companies        64
• Conclusion        65

• Sales of electronic goods in 2010 grew significantly        66
• Credit cards dominate transaction in modern outlets        68
• Competition in interest between credit card issuers        69
• Multifinance firms expand operations to regions        70

• BCA to establish new multifinance subsidiary        71
• Merukh to team up with Mayfield to acquire Avocet        71
• Two Taiwanese ceramic producers to build factories in Indonesia        71
• Hankook to build tire factory worth US$ 1.2 billion        71
• Newmont secures a loan pledge of US$ 200 million        72
• Indofood reports healthier performance        72
• Petrogres to soon build phosphoric acid fertilizer factory        72
• PKT to spend US$ 400 million on expansion projects        73

• Construction of US$6 billion steel project to start this year        74
• Indonesia's economy expands 6.2% in Q2        74
• 8 PLTU projects to come on line this year        74
• Imports of consumer goods  surge on producers becoming importers        75
• Government to cut investment budget 47%        75

• Directory of Multifince Companies in Indonesia        76

• Economic Indicators        80
• Export and import        81
• Gross Domestic Product        82
• Oil Price and Foreign Exchange        83
• The Indonesian Economic Trends        84