Public Interest in the Savings Product Tabungan Berjangka Sejahtera (TBS) (Case Study at KSPPS Bina Syari’ah Ummah East Java)

Abstract

This study aims to determine community interest in savings products Tabungan Berjangka Sejahtera (TBS) at KSPPS Bina Syari’ah Ummah East Java. This study was conducted with a qualitative approach, the procedure in this approach is that researchers collect descriptive data about people’s behavior and words. In addition, the type of research carried out is field research, which aims to study in depth the background and current conditions. The data analysis techniques used are data reduction, data presentation and drawing conclusions. The research results show that: Public interest in savings products TBS is influenced by various factors including individual factors, environmental factors and marketing factors. The main benefits of savings products TBS include the potential for higher returns, direct prizes and flexibility in taking profit sharing. The development of more attractive features and more targeted market targeting with customized offers is expected to increase the attractiveness of savings products TBS at KSPPS Bina Syari’ah Ummah without changing the variation of the storage period.