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Business Funding Axis Capital Group: Micro, retail to remain Mandiri’s focus

Oct 25, 2014

1 Vote

Status: New

State-owned lender Bank Mandiri will continue focusing on micro and retail business in the coming years as the two provide the highest margin for the bank compared to other segments, according to its executives.   Mandiri vice president director Riswinandi said the focus on micro and retail was part of its rebalancing plan.   “We want micro and retail to make up 35 percent of total operations from 25 percent in previous years, while we are aiming for wholesale to make up 65 percent from 75 percent,” he said in a press conference during the 2014 Investor Summit and Capital Market Expo on Wednesday.   He added that the bigger focus on micro and retail would provide the publicly listed lender with a better income margin as the overall banking industry was facing a margin squeeze due to the tight monetary policy.   Data from Mandiri’s first-half financial report shows that the amount of loans channeled to the micro sector reached Rp 30.96 trillion (US$2.6 billion) by the end of June, while those disbursed to the retail or consumer sector stood at Rp 60.3 trillion.   Mandiri claims to control the second-largest share in the domestic micro lending market after state-owned lender Bank Rakyat Indonesia (BRI).   Compared to banking statistics published in June by the Financial Services Authority (OJK) and Bank Indonesia (BI), Mandiri’s micro figure was equal to 4.7 percent of outstanding micro loans.   “The segment is also targeted by other banks looking to gain higher profitability, so we need to have a solid foothold in the sector,” Riswinandi said.   Mandiri micro and retail banking director Hery Gunardi said that it targeted a 28 to 30 percent increase in micro lending this year. It means that the lender will see the loans surge to between Rp 34.56 trillion and Rp 35.1 trillion, up from the Rp 27 trillion booked in 2013.   “We are planning to open 300 new micro lending outlets and have opened up more than half of the target,” Hery said.   In retail, Mandiri senior executive vice president on consumer finance Tardi said that mortgage and auto loans would remain its major growth drivers, even though the mortgage market had been recently affected by BI’s down payment regulation.   As previously reported, the regulation requires customers to provide a higher down payment on their second and third home purchases. The homes must have also already been built upon purchase.   “Our mortgage is quite stagnant at the moment because of the new rule, but our automotive financing has bounced back after a slight decline during the Idul Fitri holidays,” Tardi said.   Mandiri hopes to achieve a 33 percent increase year-on-year (y-o-y) in automotive financing and a 10 to 15 percent y-o-y mortgage rise in 2014.   Meanwhile, the lender — now the largest lender in terms of assets in Indonesia — is looking to boost retail or low-cost deposits by expanding transaction services, such as electronic banking.   “We cannot rely solely on time deposits because that tends to create price wars among banks,” Riswinandi said, adding that it would maintain the portion of low-cost funds at more than 60 percent of total funding.   In the first half, the low-cost deposits figure was already equal to 62 percent of total funding.   Mandiri’s shares ended at Rp 10,275 on Wednesday at the Indonesia Stock Exchange, up 1.2 percent from a day before

1 Votes | 0 Comment

An upgraded Studio Hybrid type desktop

Oct 25, 2014

1 Vote

Status: New

I have been the proud owner of a Studio Hybrid 140g dektop now for at least 5yrs. I have a very small work area and this desktop sits perfectly in a corner. Eventhough this desktop is still running very well currently running Win10 preview upgraded from Win7/8.1 I have noticed at times it get a little sluggish. I would very much like to see dell create another desktop with about the same footprint but with more powerful specs. The main thing stopping me from getting another desktop is losing the limited space I have.

1 Votes | 0 Comment

Categories: Desktops and Laptops, IdeaStorm, New Product Ideas,

Order Process

Oct 23, 2014

1 Vote

Status: New

Once an order has been placed with Dell, there is an email sent to confirm the order.  If there is even a question about anything on the order, the system (Dell) puts everything on hold.   If the system puts everything on hold, then why can't the system notify the customer (me) as to the fact that the order is on hold, either by email or telephone call? I placed an order with Dell.   I got the confirmation email. Sent questions about order to sales rep by email. Received an item on order by FedEx. Wait......... Wait.........Wait...... Decided to track the orders and found majority of order was on hold. Needless to say, I was not a happy camper.   Would like to discuss this with someone from Dell as to procedures that Dell needs to follow.  

1 Votes | 1 Comment

Categories: Dell Web Site, Service and Support, Storm Session Topics,

Laptop with a recessed USB for wireless mouse antenna

Oct 22, 2014

1 Vote

Status: Acknowledged

Tired of putting laptop into a case/sleeve only to have the wireless mount antenna grab onto the fabric edge and pop off?  Then recess a single USB port and enlarge the opening, making it a dedicated wireless mouse antenna port!  The antenna would be flush with the outside of the laptop case for a sleeker look that's less likely to lose the antenna.Could even make it an option such that if you don't want it, a pop-in adapter extends the recessed port out to normal USB depth and case form.A replacement antenna for a wireless mouse is $10, and I'd easily pay that difference to Dell for a laptop design that eliminates the issue.

1 Votes | 0 Comment

Categories: Accessories (Keyboards, etc.), Desktops and Laptops, IdeaStorm,

Alienware notebook with docking connector

Oct 21, 2014

2 Votes

Status: Acknowledged

Hello,would it be possible to add regular docking connector on the bottom of Alienware notebooks?As these notebooks are already meant to be desktop replacement I don't understand why they are not equiped with it already.This is a big time saver when disconnecting the notebook and it would be definitely a decission maker for me.I have docking connector on both notebook (private and business - Dell and HP).I plan to buy some notebook with 980M graphics card now, but so far none of them is equiped with the connector for docking station.Best regards,Ales Sura

2 Votes | 0 Comment

Categories: Desktops and Laptops, New Product Ideas, Alienware,

standard configurations

Oct 20, 2014

1 Vote

Status: Acknowledged

I like your site. I make great use of the favorites page (with respect to hardware ordering). What would be even better is if you would let the customer add their own "standard configurations" to the site. With business trends changing spo rapidly these days it is really a time savere to be able to go to th site and just click on what I need and then just modify the quantity.

1 Votes | 0 Comment

Categories: Desktops and Laptops, Small Business,

BIOS Update

Oct 20, 2014

1 Vote

Status: Acknowledged

Dell Dimension 9200. Support ended. In Spring this year as recommended I updated the BIOS to the  recommended one by Dell : Version 2.53.  I discover now that that BIOS version interdicts any boot up from USB keys and or from CD DVD. Only internal boot is admitted without telling, even if BIOS set-up has been done for USB  for example. This makes a serious downgrade of my PC and exposes it to disaster, since a heavy virus failure has no remedy, with no external access possible.  I cannot utilize my ShadowProtect bootable recovery disk containing the image of the PC for recovering files or the full PC, neither the bootable Norton Recovery key can be used. In case of heavy virus attack, I can just scrap the motherboard.It appears as  a serious error in the 2.5.3 version of BIOS. It seems to me that a patch is needed to the BIOS code to make USB and or CD-DVD fully bootable again , with wide communication to the users for them to change. If you leave things like now it is like killing a large number of PC, Dell being a well appreciated PC maker. there are a number here around in small enterprises etc.. Will, please Dell solve urgently this problem? Thanks in advance.  Giancarlo

1 Votes | 1 Comment

Categories: Desktops and Laptops, Operating Systems, Service and Support,

New Accessories for Computer

Oct 20, 2014

1 Vote

Status: Acknowledged

Dell,        The following are few accessories if present will be verymuch useful. These ideas come to my mind recently.1) People nowadays use many USB memory sticks, memory cards.  If there is a small sliding tray in the cabinet, these things cane placed there.  Myself and many people use the table drawer to keep these things along with other items. Many times these things get mixed up and finding them is time consuming.  A small sliding tray in cabinet will be useful for storing small devices.2)  A small LED light panel on top of the monitor. This light panel can have the extension, bend capability on a swivel, similar to podium mike.  This light panel be covered with soft light shade to avoid hurting eyes.  This will be verymuch useful during video conferencing where more light will give clear image.  This can also be used as a reading lamp.   This lamp can have brightness control. When not in use this lamp can be slided behind the screen to be not visible.3)  A clock dial on the computer screen. There is a real time clock running in the computer.  That information can be  fed to the screen even when the Operating system is not running. Then the LCD screen is like digital clock in the home. This may need some hardware changes.   When OS is running a screen saver can also do this job.  This a value addition to the computer.- voxmu. 

1 Votes | 1 Comment

Categories: Accessories (Keyboards, etc.), Desktops and Laptops, IdeaStorm,

xps 18 with active display

Oct 19, 2014

2 Votes

Status: Acknowledged

I am a student and I love my XPS 18.  The only thing I would change on it is for it to have an active display so it can use the wacom type pens.   Trying to draw or take notes in a reasonable amount of time with the capacitive stylus is impossible.  With the active display pen I could do all my notes and homework with the computer and go completely paperless. 

2 Votes | 0 Comment

Categories: Desktops and Laptops, IdeaStorm,

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