@thesis{thesis,
		author={Algamar  Rizal and Putra  Ruska P. and Rezki  Rahmat and Sakti  Sapto and Satiri  Satiri and Sutedjo  Andi and Tahapary  Joppy},
		title ={Relaunch of Citibank auto loan service},
		year={1997},
		url={https://repository.ipmi.ac.id/1566/},
		abstract={Citibank N.A as a major foreign bank has an image of prestige which is being supported by first class service and hospitality. In order to be have an account with Citibank, one must have a minimum balance of, thus Citibank's customers are those people in the middle and upper segments. Citibank is also well known for its corporate account and weak in the retail segments. All of these will be a disadvantage for Citibank to enter the retail market specifically in auto leasing industry due to its image. In addition, society banks to be prudent and bureaucratic in making their decisions.
With the above barriers, Citibank has previously entered the auto loan market in 1998 but did not disburse the loan directly to the end users. This strategy have put Citibank in a weak position because they have mo control over the disbursement of the loan to the end users, thus due to these circumstances Citibank have experienced difficulties because of fraud applications from its partner. The impact of the fraud was quite detrimental indeed, bad loans have increased significantly. Due to these instance, Citibank decided to foreclose/discontinue the auto loan program.
The growth of the Indonesian economy has created positive impact of the overall condition in leasing industry. The government was quite lean on its monetary policy for which have an impact on the growth of money supply from the producer to meet the customers' demand.}
		}