Analisa Pembahasan at as Kiner ja Per ser oan
Management Discussion Analysis on Company Per f or mance
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bank bjb Lapor an Tahunan
20 15 Annual Repor t
1. Dengan pemer int ah melalui pola business t o gover nment .
2. Dengan pihak swast a dengan pola business t o business.
3. Pemasar an t abungan melalui pendekat an komunit as communit y mar ket ing
B. Kredit Konsumer
Bidang usaha kr edit konsumer mer upakan pangsa pasar t er besar dalam bisnis Per ser oan. Kar ena it ulah,
Per ser oan senant iasa menyiapkan ber agam pr ogr am pemasar an agar mampu menunjang kiner ja usaha kr edit
konsumer secar a ber kesinambungan. Pada t ahun 20 15, pr ogr am yang dijalankan, ant ar a lain:
- Pelaksanaan pr omosi pemasar an yang lebih ef ekt if dan ber kesinambungan seper t i pembuat an
mar ket ing t ools unt uk Kr edit Konsumer ser t a pemasar an melalui media publikasi.
- Dilaksanakannya pr ogr am r ewar d Member Get Member yang diber ikan khusus bagi debit ur bjb
KGB bjb Kr edit Pr a Pur na Bhakt i dan debit ur bjb Kr edit Pur na Bhakt i yang ber hasil membawa r ekan
at au koleganya menjadi debit ur bar u dan debit ur mengulang bank bjb MGM Hadiah Langsung, MGM
Key Per son Debit ur Top Up. - Pelaksanaan pr ogr am Consumer Loan Loyalt y
Pr ogr am salah sat unya dengan pember ian voucher kepada debit ur bar u dan debit ur yang melakukan t op
up. - Gat her ing kepada Debit ur sebagai bent uk pr omosi
below t he line, disesuaikan dengan kult ur al daer ah dan minat par a debit ur
- Pr ogr am Wisat a Religi.
C. bjb precious
Dalam mengelola per t umbuhannya, bjb t elah melakukan beber apa kegiat an pemasar an, di ant ar anya sebagai
ber ikut : 1. Melakukan cust omer gat her ing unt uk lebih
meningkat kan hubungan yang baik dengan nasabah, baik nasabah exist ing maupun pr ospect cust omer .
2. Penyelenggar aan pr ogr am Member Get Member nasabah bjb pr ecious.
D. Trade Finance and Service
Unt uk pr oduk dan jasa yang mendukung per dagangan int er nasional maupun r emit ansi, Per ser oan melakukan
st r at egi pr oakt if . Beber apa jenis pr ogr am yang dijalankan, ant ar a lain:
1. Pr ogr am gat her ing dengan nasabah dan calon nasabah pot ensial. Par a pemangku kepent ingan yang
1. Wit h t he gover nment t hr ough a pat t er n of business- t o-gover nment .
2. Wit h t he pr ivat e sect or wit h t he pat t er n of business t o business.
3. Mar ket ing of savings t hr ough a communit y appr oach communit y mar ket ing
B. Consumer Credit
The business sect or s of consumer cr edit is t he biggest mar ket shar e in t he Company’s business. Ther ef or e, t he
Company cont inues t o pr epar e a var iet y of mar ket ing pr ogr ams t o be able t o suppor t t he consumer cr edit
business per f or mance on an ongoing basis. In 20 15, t he pr ogr ams, among ot her s:
- Implement at ion of a mar ket ing campaign mor e
ef f ect ive and sust ainable such as t he cr eat ion of mar ket ing t ools f or Consumer Cr edit and mar ket ing
t hr ough media publicat ions. - Implement at ion of r ewar ds pr ogr am Member Get
Member pr ovided specif ically f or t he debt or bjb KGB bjb Cr edit Pr e Pur na Bhakt i and debt or bjb Cr edit
Pur na Bhakt i who managed t o br ing a colleague or colleagues become t he new debt or and t he debt or
r epeat bank bjb MGM Gif t Jump, MGM Key Per son debt or Top Up.
- Implement at ion of t he Consumer Loan pr ogr am Loyalt y Pr ogr am eit her by gr ant ing voucher s t o new
bor r ower s and bor r ower s who t op up. - Gat her ing t o Debt or as a f or m of pr omot ion below
t he line, t ailor ed t o local cult ur al and int er est s of t he debt or
- Religious Tour ism Pr ogr am.
C. bjb precious
In managing it s gr owt h, BJB has done some mar ket ing act ivit ies, including t he f ollowing:
1. Per f or m cust omer gat her ing t o f ur t her impr ove r elat ionships wit h cust omer s, bot h exist ing
cust omer s and pr ospect cust omer s. 2. Implement at ion of Member Get Member pr ogr am
bjb pr ecious cust omer s.
D. Trade Finance and Service
For pr oduct s and ser vices t hat suppor t int er nat ional t r ade and r emit t ances, t he Company made pr oact ive
st r at egy. Some t ypes of pr ogr ams, among ot her s: 1. Pr ogr am gat her ing wit h cust omer s and pot ent ial
cust omer s. St akeholder s ar e involved, f or example, t he Invest ment Coor dinat ing Boar d BKPM, Regional
