Analisis Preferensi Nasabah dalam Pemanfaatan Produk Funding Bank Syariah Mandiri Kantor Cabang Bogor

Abstract

In the products of Bank Syariah Mandiri, the Bogor branch office is often referred to as funding  or  fundraising,  namely  BSM  Savings  products,  BSM  Giro  products,  and  BSM Bank Syariah Mandiri Time Deposit products, Bogor branch offices have good potential to  attract  new  customers  with  the  support  of  modern  technological  developments  owned by Bank Syariah Mandiri Bogor branch office. This study agreed to determine customer preferences  in  the  use  of  funding  products  to  increase  the  collection  of  BSM  Savings, BSM Current Accounts, and BSM Time Deposits from customers and the impact of using funding  products  in  increasing  customer  interest  in  raising  funds  for  Bank  Syariah Mandiri  Bogor  branch  offices.  In  this  study  using  primary  data  from  direct  BSM customers   with   a   total   of   36   respondents   for   data   collection   using   a   structured questionnaire  distribution  carried  out  with  google  From  for  one  week  starting  from  7 June to 14 June 2020 for research methods using descriptive and data processing using frequency  calculations  to  determine  the  number  the  percentage  of  Very  Like  and  Very Dislike.  In  the  product funding  of  Bank  Syariah Mandiri  branch  offices  in Bogor,  it  can be  seen  that  the  percentage  results  of  this  researcher  show  that  the  dominant  customer really  likes  BSM  Savings  products  because  customers  really  like  the  BSM  Savings product  as  a  place  to  store  money  in  accordance  with  sharia  regulations  and  can  be retrieved  when  the  customer  needs  it.  for  the  second,  based  on  the  percentage  of dominant  customers  in  BSM  Deposit  products  because  customers  want  to  invest  their funds to be collected again by the Bogor branch office of Bank Syariah Mandiri and get aprofit  impact  with  a  profit  sharing  system  in  accordance  with  sharia  provisions  and  the third there are some dominant customers  who  really like to use checks or Bilyet Giro to make transactions easier and save time without spending a lot of money on transactions.