Comparative Analysis of Tandamata Savings at Bank BJB Lodaya Branch and Batara iB Savings at Bank BTN Syariah Bandung Branch Using SWOT Analysis

Abstract

Based on the results of observations and interviews, the background of this research is the decline in the number of customers in 2020 and 2023, which is thought to be a lack of cooperation between agencies and Bank BJB programs resulting in a decrease in the number of tandamata savings customers. As for the decrease in the number of Batara iB Savings customers at Bank BTN Syariah KC Bandung in 2020, 2022 and 2023, it is suspected that the perceived value of customers is reduced in saving due to lack of service, unsatisfactory transactional facilities, many offers from banks so that customers who require switching, lack of ATM networks and less strategic bank locations. This study aims to determine the comparison between Tandamata Savings products at Bank BJB KCP Lodaya and Batara iB Savings products at Bank BTN Syariah Bandung Branch Office using SWOT Analysis. The research object discussed in this study is Tandamata Savings at Bank BJB KCP Lodaya and Batara iB Savings at Bank BTN Syariah Bandung Branch Office. The type of research is qualitative which is comparative, the type of data used is primary data and uses data collection techniques in the form of observation, interviews and literature studies. The results showed that the difference lies in the number of requirements at Bank BJB KCP Lodaya there are 5 requirements and at Bank BTN Syariah KC Bandung there are 4 requirements. Provisions at Bank BJB KCP Lodaya there are 8 provisions and at Bank BTN Syariah KC Bandung there are 6 provisions. Bank BJB KCP Lodaya procedures 8 procedures and 10 procedures at Bank BTN Syariah KC Bandung. On the profit sharing of tandamata savings Bank BJB KCP Lodaya is always changing not fixed how the interest rate is, while the Batara iB savings product Bank BTN Syariah KC Bandung tires how the policy given by the bank and not promised at the beginning.