Mukhamad Najib
Tazkia University College of Islamic Economics

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Analisis Strategi Promosi Kredit Pemilikan Rumah (KPR) Sistem Konvensional Dan Syariah (Studi Kasus : BTN Dan BTN Syariah Kantor Cabang Solo) Mukhamad Najib; Jono M. Munandar; Agustina Setiyawati
Tazkia Islamic Finance and Business Review Vol. 3 No. 1 (2008)
Publisher : Institute for Research and Community Empowerment (LPPM TAZKIA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v3i1.18

Abstract

Residence is one of the primary needs for human being’s life, besides food, clothing, education, and healthy. Many of banks now, have started to offer a residence service product (Kredit Pemilikan Rumah, KPR). As one of the biggest bank in Indonesia, Bank Tabungan Negara (BTN) has an advantage as a pioneer to provide such KPR. To compete with other banks, KPR BTN (including BTN Konvensional and BTN Sharia branch offi ce Solo), as one of the branch unit of Central BTN, has to do strategic promotion effectively so that BTN can come up with their brand image and makes a strong position in market. The aims of this research are: (1). To learn about the promotion activity being used by BTN and BTN Sharia branch offi ce Solo; (2). To identify factors which develop a promotion strategy in BTN and BTN Sharia branch office Solo; (3). To analyze an alternative promotion strategy that might effective to be applied in both BTN and BTN Sharia branch Solo. This research used primary and secondary data. The primary data was collected through out interview and questionnaire while secondary data was obtained from company’s information, literature and electronic publication. In the process of data analysis, it will use factor analysis and Analytical Hierarchy Process using Expert Choice 2000 and Microsoft Excel.BTN and BTN Sharia branch offi ce Solo develop the KPR’s promotion with advertising, sales promotion, publicity and public relation, personal selling, marketing and direct selling. The results of this analysis clearly fi ng out that promotion strategy of BTN branch offi ce Solo is set by fi ve factors, such as market characteristic, facility and equipment, consumer’s characteristic, competition, and company’s Segmenting, Targeting, and Positioning (STP). While, the factors of promotion strategy in BTN Sharia branch office Solo consist of competition, promotion budget, consumer’s characteristic, human research and other marketing mix except promotion. The alternatives which can be pursued are BTN branch offi ces Solo have to increase the advertising activity as the main alternative strategy. The alternative strategy for BTN Sharia branch offi ce Solo is to increase the publicity and public relation as the main strategy alternative.Keywords: Residence Service Product (KPR), Promotion Strategy.
Analisis Konsumen Berpindah Merek (BrandSwitcher) Pada Bank Syariah Dan Bank Konvensional (Studi Kasus Pada Nasabah Di Wilayah Darmaga Bogor) Mukhamad Najib
Tazkia Islamic Finance and Business Review Vol. 4 No. 1 (2009)
Publisher : Institute for Research and Community Empowerment (LPPM TAZKIA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v4i1.25

Abstract

Dalam situasi hypercompetition seperti saat ini, dimana konsumen dibanjiri oleh berbagai alternatif produk yang menarik, perubahan perilaku membeli akan mempermudah konsumen berpindah ke produk atau merek lainnya. Hal ini dapat terjadi pada nasabah bank di Indonesia. Munculnya perbankan syariah dengan pertumbuhan yang begitu cepat merupakan fenomena yang menggambarkan terjadinya perpindahan merek pada konsumen, dalam hal ini nasabah bank Penelitian dilakukan untuk menganalisis prilaku perpindahan merek pada nasabah bank di wilayah Darmaga. Pengambilan data primer melalui pengambilan sampel dilakukan secara purposive. Sementara analisa dilakukan secara deskriptif. Di wilayah demaga ada empat buah bank umum, yaitu Bank Negara Indonesia (BNI)46, Bank Rakyat Indonesia (BRI), Bank Muammalat Indonesia (BMI) dan Bank Syariah Mandiri. Hasil penelitian menunjukkan BNI46 merupakan bank yang memiliki brand awareness paling tinggi diantara bank yang ada di Darmaga. Konsumen berpindah merek tidak hanya terjadi pada bank konvensional, tetapi juga bank syariah. Hal ini berarti bank syariah maupun bank konvensional berpotensi memiliki pelanggan yang tidak loyal. BNI46 memiliki konsumen yang paling tidak loyal bila dibanding dengan BRI, BSM dan BMI. Jika dibandingkan sesama bank syariah, maka BMI memiliki konsumen yang paling loyal. Faktor yang memiliki pengaruh paling tinggi terhadap konsumen dalam melakukan perpindahan merek adalah factor internal dan diiukti oleh faktor eksternal. Sementara faktor kekecewaan terhadap bank sebelumnya merupakan faktor yang paling kecil pengaruhnya terhadap konsumen dalam melakukan perpindahan merek.Keywords: Brand Awareness, Perpindahan Merek, Loyalitas