ANALISIS STRATEGI PENINGKATAN CASA (CURRENT ACCOUNT SAVING ACCOUNT) UNTUK MENINGKATKAN LABA DI BANK BJB SYARIAH
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Date
2015
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Publisher
Tesis Program Magister Management Universitas Widyatama
Abstract
Banking is one of the industries affected by the slowing pace
of the economy in Indonesia in 2014. Banks are required to be
more prudent in determining the direction of the business, both
in getting funds from the public through innovative products,
as well as maintaining credit quality and that it is is a source of
bank revenue the greatest proportion. This also applies to
Islamic banking, after the crisis of 1998, the national banking
person begin to formulate and determine which method is
applied in which the principles of the Islamic religion, which
includes subtly treat their customers better than conventional
banks. In it also adheres to and adaptations of the Quran and
the Sunnah-sunnah Rasul in ancient times.
The problem that arises is the Islamic banking system has not
been popular among the people to the proportion of the
national banking Islamic banking has only reached 5%. This
gave rise to competition between Islamic banks to compete for
increasingly stringent market potential is still vast. As a new
Islamic commercial bank established from the year 2010, bank
bjb syariah have a fundamental problem that is difficult to find
cheap funds or CASA. This study applies Liam Fahey
analysis, BCG Matrix, SWOT Analysis and TOWS Matrix,
IFE Matrix EFE, SPACE Matrix, and Grand Strategy Matrix.
Matrix Grand Strategy used last to know what strategy should
bank bjb syariah to be able to raise the proportion of funds into
low-cost funds.
This study uses qualitative and quantitative methods.
Qualitative data is strategy formulation, and quantitative data
is the result of observation financial publications reports from
all over the Islamic banks in Indonesia. So in the end bank bjb
syariah should improve their competitiveness and expand its
office network so that customers can be met given the
accessibility of the market potential of Islamic banking is still
very wide.
The proposed strategy is based on the current situation. This
study gives an overview how bank bjb syariah in anticipation
of an increase in the proportion of low-cost funds or CASA, in
order to structure the funds in bank bjb syariah become better.
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Keywords
CASA, Analysis Liam Fahey, Analysis SWOT, Grand Strategy Matrix, Syariah Banking