ANALISIS STRATEGI PENINGKATAN CASA (CURRENT ACCOUNT SAVING ACCOUNT) UNTUK MENINGKATKAN LABA DI BANK BJB SYARIAH
No Thumbnail Available
Tesis Program Magister Management Universitas Widyatama
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.
CASA, Analysis Liam Fahey, Analysis SWOT, Grand Strategy Matrix, Syariah Banking