Bank merupakan usaha yang menghimpun dana dari masyarakat dan menyalurkannya kembali dalam berbagai alternative investasi. Perbankan diharapkan dapat memainkan peranan yang lebih besar dalam menggerakkan perekonomian nasional, hal ini dapat dilakukan dengan melaksakan fungsi intermediasinya yaitu melalcukan penyaluran kredit. Salah satu segmen kredit yang dapat ditingkatkan ekspansinya adalah segmen komersial (Small Medium Enterprices/SME) mengingat segmen ini terbukti merupakan segmen yang kuat terhadap krisis ekonomi. Persaingan binsis perbankan sekarang mengalami perubahan yang sangat mendasar, globalisasi menyebabkan persaingan perbankan semakin ketat, dengan semakin ketatnya persaingan tersebut memaksa perbankan untuk menyiapkan berbagai strategi penyaluran kredit untuk memenangkan persaingan tersebut.. Beberapa altenatif strategi yang dapat dilakukan untuk meningkatkan ekspansi kredit ini antara lain menerapkan strategi deferensiasi yang didukung oleh strategi low cost leadership. Implementasi strategi kualitas layanan yang memenuhi kebutuhan debitur dan melebihi pelayanan bank pesaing serta menerapkan low cost strategy diharapkan dapat menimgkatkan ekspansi kredit . Kata kunci : Strategi deferensiasi yang didukung strategi low cost strategy

A Bank is a fund institution which collects an amount fund from the community and distributes in a form of various investment. Banking was hoping to support much in moving the national economy, this could be done by do channeling of the credit. One of the segments of credit that could be increased by his expansion was the commercial segment (Small Medium Enterprices/SME), this segment was proven that strong towards the econ0mic crisis before. The competition banking business now change in basically, the globalization caused the competition for banking to be increasing tightly, with increasingly the strictness of this competition, forced banking to prepare various channeling strategies of credit to win this competition .. Several alternative strategies could be carried out to increase the expansion of this credit such as applying the strategy that was supported by the strategy low cost leadership. Differentiation strategy means providing goods service that satisfied the requirement above for the customer expectation and exceeded the service of the competitor's bank that supported by low cost leadership strategy was hoped for increasing the expansion of credit. The key word: the differentiation Strategy that was supported by the leadership low-cost strategy

Kata Kunci : Strategi deferensiasi,Low cost strategy