ANALISIS SWOT DALAM PERTUMBUHAN PRODUK TAKE OVER PEMBIAYAAN PENSIUN DI BANK SYARIAH MANDIRI KANTOR CABANG PEMBANTU PURBALINGGA

SWOT analysis is based on logic maximizing strength and opportunities and at the same time can reduce to minimalizing weaknesses and threats. In subsequent developments, the SWOT analysis is used to define the planning of the business strategy both in the short and long term. Pension funding products are excellent products Bank Syariah Mandiri KCP Purbalingga by the year 2016. This product is intended for retirees (civil servants, state-owned enterprises or BUMD) or widows' pensions. Among some pension funding products, the most preferred product by Bank Syariah Mandiri clients KCP Purbalingga is a product for the acquisition of pension funding. Thus, the need for a strategy in product marketing to maintain sales. Provision finance is the transfer of pension funding from a conventional bank to Bank Syariah Mandiri KCP Purbalingga. The problem raised in this research is how the SWOT analysis in product growth take over the pension funding. The purpose of this research is to identify the strengths, weaknesses, opportunities and threats faced by Syariah Mandiri KCP Purbalingga, through the SWOT analysis research. The method used in this research is a qualitative method, which is to develop the theory, then the data obtained from interviews and observations directly in the field. From these results, is the power that is BSM KCP Purbalingga in marketing take over pension funding using Islamic principles and to offer lower margins than the previous bank. Weakness is the promotion is still much less, the limited age of potential customers and the number of debtors aged over 74 years. Property opportunity is the BSM KCP Purbalingga strategic position, BSM KCP Purbalingga in collaboration with PT Taspen Purwokerto that every month pays Rp pension benefits. 350 billion . While the threat is much more concurrent the bank-owned offering products take over the funding pensions with lower margins than BSM KCP Purbalingga and often fail to take over, because it is complicated by the transferor bank