Guideline for increasing the amount of saving lottery deposit of Bank for Agriculture and Agricultural Cooperatives at Rasi Sali Branch

Abstract

Studying guideline for increasing the amount of saving lottery deposit of Bank for Agriculture and Agricultural Cooperatives at Rasi Sali Branch. The objective is to study the behavior of saving. Factors affecting service decision process and marketing mix factors influencing user satisfaction. The researcher studied quantitative data by using a questionnaire for 200 customers who are bank customers and 200 who are not bank customers. And study qualitative data by using the interview form for 10 savings lottery depositors and 10 bank employees. The results of the study of quantitative data revealed that most of the respondents had a behavior of saving through the bank in the form of savings for use in times of illness. There is a frequency of saving every 3 months and saving not more than 20% of income. The process of deciding to use the savings lottery service of the group who is the most important customer group is the evaluation of alternative reputation or credibility of the bank, and the group who is not customer group is the behavior after using the service in terms of recommending people close to saving lottery deposit. The marketing mix factor that most influenced the satisfaction of using the savings deposit service of the group that was the customer the most was products that were not subject to tax. And the group who is not a customer group is the service that is provided in order. The results of the study of qualitative data, found that the reason why customers do not use the savings lottery deposit service is the product is not known spreadly and the service is delayed. The solutions to the problems are mobile banking services, increase channels of providing comprehensive service, and improve the service by adding a special channel for savings lottery customers. After the implementation of the project, it is expected that the deposit of savings lottery tickets will increase, the ratio of loans to deposits will be at a reasonable rate, and net profit will increase.