OPTIMALISASI PRODUK TABUNGAN PERENCANAAN MASA DEPAN MELALUI PROGRAM TAPENAS MERIAH PADA PT BANK NEGARA INDONESIA (BNI) KANTOR CABANG PEMBANTU UNIVERSITAS MUHAMMADIYAH MALANG

The purpose of this writing is to find out the optimization of future planning savings products through the Tapenas Meriah program at Bank Negara Indonesia (BNI) Kanto Muhammadiyah Malang Sub-Branch (KCP) UMM, and aims to increase public awareness in long-term financial planning. The research method used was a qualitative descriptive method with direct data collection techniques through interviews.
The Tapenas festive program is an interesting initiative to achieve the target of future planning savings products so that they are more popular with the public and continue to provide the best facilities for customers.
The results of the analysis show that the savings products of Bank BNI KCP UMM were optimized by carrying out segmentation, targeting and positioning analysis. As well as carrying out marketing strategies that are appropriate to the customer segments and areas and schedules prepared