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Library's collection Library's IT development CancelThis research is about respondents 1 behavior toward savings and deposits at public
banks in Surabaya during the recapitalization period. The respondents of this research
are those retail customers who own savings and / or deposits at public banks in
Surabaya and who are personally responsible for making decisions for their money
situation. In this research, the writer uses primary data which is obtained through
questionnaires and direct interviews with retail customers so they are believed to be
the appropriate respondents. Next, through the data collected, the writer applies
descriptive analysis and comparison of means analysis uses Paired - Samples T Test
with the guidance of the SPSS program. The main purpose of this analysis is to give a
description of respondents' characteristics, together with the average percentage and
to differentiate the percentage of savings and deposits which is allocated by
respondents based on time Then the writer gives further description of the
respondents' behavior, i.e : the withdrawal, transfer, and deposit of funds. Last of all,
the respondents' behavior is compare based on groups.
Through the analysis above, the writer reaches conclusions as follows :
? Group 1 (that is who has the amount of savings and deposits below 100 million
rupiahs) were tend to have the same status as that of group 2 (that is who have the
amount of savings and deposits above 100 million rupiahs) which were mostly in
the status as husband. Despite their marrital status, they did not have the same
status in their jobs, which mostly of that status of group 1 were in the private
employee's status of job. On the other hand, group 2 were mostly in the private
enterpreneur's status.
? That banking recapitalization program which has been done when the third party's
saving guarantee program was still proceeding and also followed by the relatively
stabil political situation, has made the respondents beliefed to the bank.? During the recapitalization period, respondents tend to have more faith in state
banks and foreign private banks, compared to private national banks.
? Before the announcement of the banking recapitalization that has been planned to
be announced on March '99, both group 1 and group 2 of the respondents were
mostly tend to allocated both their savings and their deposits on IDR currency and
put them in to the National Private Banks
? Group 1 of the respondents were mostly tend to allocated both their savings and
their deposits on IDR currency and put them in to State Banks, not only before the
recapitalization program that has been planned to be started on March '99 began
but also after that Meanwhile, group 2 of that respondents were mostly tend to
allocated their savings and their deposits on foreign currency and put them in the
National Private Banks. Nevertheless, they had also planned to switch them into
the Foreign Private Banks in a short future
? During the recapitalization period, some respondents who own money equivalent
to or less then IDR 100,000,000 are inclined to be more passive, and more
selective in handling their savings and deposits, while respondents who possess
savings and deposits above IDR 100,000,000 tend to be more panicky, more
agressive, more braver, and have more freedom of action in taking care of their
finances.