Title: ANALYSIS OF CUSTOMER SAVING DECISIONS ON SIMPEDA SAVINGS AT BANK NTB
Author: ANASTASIA PRIMADIANI C
Affiliations : Master of Management Science Program, Faculty of Economics and Business, Universitas Airlangga , Surabaya, Indonesia
Publisher: Universitas Airlangga
Abstract
The competition map for banks in West Nusa Tenggara (NTB) in obtaining cheap funds is very tight. With the growth trend of Third Party Funds (DPK) tending to weaken, banks are asked to be more active and active in obtaining cheap funds from customers. This research seeks to research and analyze customers' decisions in saving on Simpeda savings at Bank NTB. There are two main indicators that are analyzed, namely what factors are the reasons why customers save and make transactions using Simpeda savings at Bank NTB and how effective the Simpeda savings prize lottery program is in increasing people's savings. To test this, research was conducted using a qualitative approach. The method used was in-depth interviews with 27 respondents using open questions. The interview results were summarized and analyzed using data processing techniques using data reduction, data display, and conclusion drawing. Testing the validity of the data was carried out by carrying out triangulation techniques by cross-checking other respondents' answers. Based on the results of the analysis, it was found that in general the motivation of Bank NTB customers in saving and making transactions using Simpeda savings was due to the distribution of salaries and allowances, easy location and access, the obligation to open an account for credit installments, and because they were partners in government projects. In general, Simpeda savings customers are quite satisfied with their savings and transactions. However, the lack of uniform service, the absence of special services for large customers, and the lack of banking features make customers less satisfied with the services provided, especially when compared to other banks. The effectiveness of the Simpeda prize draw program is also not effective in getting additional funds from customers. This is because the promotional program is not intensive enough, so customers do not have clear information about the program being implemented, Bank NTB's network is still limited to the city/district center area, there is a gap in expectations between customers and the reality of the draws being carried out, and there is opportunistic behavior from customers due to a lottery system that only takes into account the position of funds at the time of the draw. Therefore, suggestions are given to improve existing weaknesses and review the prize draw mechanism that is carried out.
Keywords: Savings/deposits, bank promotions, lottery program
Sources: http://repository.unair.ac.id/39051/
