Pilih Hadiah Atau Bunga Tinggi

1 03 2007

Apabila kita sebagai manajer bagian Liabilities yang dihadapkan pada suatu dilema untuk memiliki antara memberi hadiah kepada nasabah atau suku bunga dana tetap agar saldo dana tidak turun?

Dilema yang menarik untuk dibahas di manajer yang berkutat di funding segmen. Dilema itu umum dihadapi saat tren suku bunga sedang menurun atau seperti sekarang ini. Saat ini SBI 3 bulan sudah mencapai 8,1%, bandingkan dengan bulan lalu yang sekitar 9%.

Apabila kondisi likuiditas sedang jelek, tentu jawabannya lebih mudah, suku bunga dana akan ditahan di level atas agar dana yang ada tidak keluar bahkan mampu menarik dana nasabah. Konsekuensinya jelas biaya dana menjadi melangit. Tapi itu masih oke daripada krisis likuiditas sehingga bisa rush. Lalu bagaimana dengan kondisi perbankan saat ini yang sangat likuid dengan bukti dana di SBI buanyaaaaaakk buaaangetttt?

Pemberian hadiah itu sebenarnya cukup menarik lho…kenapa? Ya karena sifat hadiah itu gelap dari segi persepsi. Coba bayangkan dengan suku bunga yang tetap misalnya 10%, maka nasabah akan sangat mudah mengukur value dari service kita. Setiap dana 100 juta akan dapat bunga 10 juta setahun. Titik. Lalu bandingkan dengan kita memberi bunga dana 8% dengan hadiah langsung iPod untuk saldo 100 juta ke atas.

Biaya yang dikeluarkan adalah:

  • ¬†Biaya bunga = 8% x 100 juta= 8 juta
  • iPod = 1,5 juta
  • Total biaya 9,5 juta alias ada penghematan 500 ribu

Efek yang dihasilkan dari strategi hadiah itu mampu memberikan penghematan sekaligus efek kegembiraan kepada nasabah karena ada hadiah yang sedang ngetren. Setiap officer dana hanya perlu menambahi bahwa iPod adalah tren masa kini sehingga bila kita menggunakannya akan memberikan nilai prestis di masyarakat.

Gimana coba mengukur nilai prestis?

So, pilih hadiah atau suku bunga tinggi?


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20 08 2013
Fendi haris

andai aja hadiah ini bisa dimilii ya pasti akan pilih hadiah,, hehe

28 11 2013
Maxgrosir

pilih dua-duanya deh,, mimpi…

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