The Effect of Service Quality, Personal Selling, and Complaint Handling on Customer Retention of Sharia Bank Customers with Customer Satisfaction as Intervening Variable
DOI:
https://doi.org/10.14421/bie.2022.012-03Keywords:
Service Quality, Personal Selling Complaint Handling, Customer Satisfaction, Customer RetentionAbstract
Customer retention is an important element of any banking strategy in today's increasingly competitive environment. The purpose of this study is to examine and explain the effect of service quality, personal selling, and complaint handling on customer retention in Islamic bank customers in Indonesia with customer satisfaction as an intervening variable. The population of this study was Islamic bank customers in Indonesia with sampling using a purposive sampling technique, the number of samples used in this study was 107 respondents. The data analysis technique used is SEM-PLS using Warp PLS version 7.0 as a data processing tool. The results of this study indicate that service quality, personal selling, and complaint handling have a significant positive effect on customer satisfaction. Customer satisfaction itself has a significant positive effect on customer retention, while the three independent variables have no significant effect directly on customer retention. Different results when service quality, personal selling, and complaint handling have a significant positive effect on customer retention after being mediated by customer satisfaction variables.
Downloads


References
Agyapong, G. K. . (2011). The effect of service quality on customer satisfaction in the utility industry – A case of Vodafone (Ghana). International Journal of Business and Management, 6(5). https://doi.org/10.5539/ijbm.v6n5p203
Alfiana, S. (2019). Pengaruh customer satisfaction, relationshipmarketing, dan customer value terhadap customer retention orientation nasabah bank syariah (Studi kasus: BPRS Mitra Harmoni Yogyakarta). UIN Sunan Kalijaga.
Ali, M., & Raza, S. A. (2017). Service quality perception and customer satisfaction in Islamic banks of Pakistan: The modified SERVQUAL model. Total Quality Management and Business Excellence, 28(5–6), 559–577. https://doi.org/10.1080/14783363.2015.1100517
Badri, S. (2012). Metode statistika untuk penelitian kuantitatif. Ombak.
Boohene, R., Agyapong, G. K. Q., & Gonu, E. (2013). Factors influencing the retention of customers of Ghana commercial bank within the Agona Swedru municipality. International Journal of Marketing Studies, 5(4). https://doi.org/10.5539/ijms.v5n4p82
Budiarti, A. (2017). Pengaruh kualitas layanan dan penanganan keluhan terhadap kepuasan dan loyalitas nasabah bank umum syariah di Surabaya. EKUITAS (Jurnal Ekonomi dan Keuangan), 15(2), 210. https://doi.org/10.24034/j25485024.y2011.v15.i2.2289
Cambra-Fierro, J., Melero-Polo, I., & Vázquez-Carrasco, R. (2014). The role of frontline employees in customer engagement. Revista Española de Investigación de Marketing ESIC, 18(2), 67–77. https://doi.org/10.1016/j.reimke.2014.06.005
Chan, S. (2018). The effect of sponsorships , personal selling and pricing strategies on customer engagement and its impact on customer retention of dental equipment industry in Indonesia. The Annual International Conference, 21–36. http://www.jurnal.unsyiah.ac.id/AICS-Social/article/view/12638
Darzi, M. A., & Bhat, S. A. (2018). Personnel capability and customer satisfaction as predictors of customer retention in the banking sector: A mediated-moderation study. International Journal of Bank Marketing, 36(4), 663–679. https://doi.org/10.1108/IJBM-04-2017-0074
Esti, W., Lubis, N., & Wijayanto, A. (2013). Pengaruh nilai pelanggan terhadap retensi pelanggan melalui kepuasan (Studi pada mahasiswa jurusan administrasi bisnis Universitas Diponegoro Angkatan 2009 – 2012 pengguna layanan data Smartfren ). Diponegoro Journal of Social and Politic, 2(7), 1–10.
Fatmawati, R., & Handayani, J. (2015). Analisis pengaruh kualitas pelayanan, kualitas produk, kepercayaan, dan nilai nasabah terhadap customer retention dengan kepuasan nasabah sebagai variabel intervening pada PT Bank BRI Syariah Kantor Cabang Pembantu Ungaran. Jurnal Sains Ekonomi dan Perbanksan Syariah, 5. https://jurnal.polines.ac.id/index.php/jse/article/view/95
Hair, J. F., Sarstedt, M., Hopkins, L., & Kuppelwieser, V. G. (2014). Partial least squares structural equation modeling (PLS-SEM): An emerging tool in business research. European Business Review, 26(2), 106–121. https://doi.org/10.1108/EBR-10-2013-0128
Hardjanti., A., & Amalia, D. (2014). Pengaruh customer service quality, customer perceived value, customer satisfaction, customer trust dan switching barriers terhadap customer retention. Jurnal Ekonomi Universitas Esa Unggul, 5(1), 1–12.
IDXChannel.com. (2021). Market share capai 6,5 persen, aset perbankan syariah tembus Rp631,5 triliun. https://www.idxchannel.com/banking/market-share-capai-65-persen-aset-perbankan-syariah-tembus-rp6315-triliun
Japarianto, E. (2018). Pengaruh logistics service quality terhadap customer retention dengan customer satisfaction sebagai variabel intervening pada industri ekspedisi laut di Surabaya. Jurnal Manajemen Pemasaran, 12(1), 8. https://doi.org/10.9744/pemasaran.12.1.25
Gengeswari., P., P., & S.A., S.-B. (2013). Impact of customer retention practices on firm performance. International Journal of Academic Research in Business and Social Sciences, 3(7), 68–84. https://doi.org/10.6007/ijarbss/v3-i7/10
Kartikawati, Y. S., Istiatin, I., & Hartono, S. (2020). Creating customer retention throught customer incentives, trust and complaint handling (At BMT Amanah Ummah in Kartasura). International Journal of Economics, Business and Accounting Research (IJEBAR), 4(02), 316–324. https://doi.org/10.29040/ijebar.v4i02.968
Kotler, P, & Keller, K. . (2012). Marketing management (14 ed.). Pearson Education Inc.
Kotler, Phillip. (2002). Manajemen pemasaran (1 ed.). Prenhallindo.
Mahmoud, M. A., Hinson, R. E., & Adika, M. K. (2018). The effect of trust, commitment, and conflict handling on customer retention: The mediating role of customer satisfaction. Journal of Relationship Marketing, 17(4), 257–276. https://doi.org/10.1080/15332667.2018.1440146
Nikbin, D., Ismail, I., Marimuthu, M., & Jalalkamali, M. (2010). Perceived justice in service recovery and recovery satisfaction: The moderating role of corporate image. International Journal of Marketing Studies, 2(2), 47–56. https://doi.org/10.5539/ijms.v2n2p47
Odunlami, B. (2015). Impact of customer satisfaction on customer retention: A case study of a reputable bank in Oyo, Oyo State. Nigeria. International Journal of Managerial Studies and Research, 3(2), 42–53. www.arcjournals.org
Onainor, E. R. (2019). Pengaruh kualitas produk dan personal selling terhadap kepuasan pelanggan alat-alat bangunan pada PT. Rodes Chemindo Medan. 1(1), 105–112.
Rosyita, F. (2017). Pengaruh customer relationship marketing, service quality, dan promotion terhadap customer satisfaction (Studi Bank Syariah Mandiri KCP Kaliurang).
Saghier, N., & Nathan, D. (2013). Service quality dimensions and customers satisfactions of banks in Egypt. International Business Research Conference.
Setyono, J. (2008). Manajemen pemasaran suatu pengantar. Bina Ruhani Insan.
Seyed Ghorban, Z., & Tahernejad, H. (2012). A study on effect of brand credibility on word of mouth: With reference to internet service providers in Malaysia. International Journal of Marketing Studies, 4(1), 26–37. https://doi.org/10.5539/ijms.v4n1p26
Shams, G., Rehman, M. A., Samad, S., & Rather, R. A. (2020). The impact of the magnitude of service failure and complaint handling on satisfaction and brand credibility in the banking industry. Journal of Financial Services Marketing, 25(1–2), 25–34. https://doi.org/10.1057/s41264-020-00070-0
Simbolon, F. (2011). Pengaruh switching costs terhadap customer retention pada industri perbankan di Indonesia. Binus Business Review, 2(2), 698. https://doi.org/10.21512/bbr.v2i1.1180
Siyoto, S., & Sodik, M. A. (2015). Dasar metodologi penelitian (Ayup (ed.); 1 ed.). Literasi Media Publishing.
Sondakh, C. (2015). Kualitas layanan, citra merek dan pengaruhnya terhadap kepuasan nasabah dan loyalitas nasabah tabungan (Studi pada nasabah Taplus BNI Cabang Manado). Jurnal Riset Bisnis Dan Manajemen, 3(1), 19–32.
Srivastav, G., & Mittal, A. (2016). Impact of internet banking on customer satisfaction in private and public sector banks. In Indian Journal of Marketing (Vol. 46, Nomor 2). https://doi.org/10.17010/ijom/2016/v46/i2/87252
Tanner, J. F., Ahearne, M., Leigh, T. W., Mason, C. H., & Moncrief, W. C. (2005). CRM in sales-intensive organizations: A review and future directions? Journal of Personal Selling and Sales Management, 25(2), 169. https://doi.org/10.1080/08853134.2005.10749057
Tjiptono, F. (2011). Pemasaran jasa. Bayumedia Publishing.
Tjiptono, F. (2015). strategi pemasaran (4 ed.). Andi Offset.
Tumbelaka, M., & Loindong, S. (2014). Servicescape dan personal selling pengaruhnya terhadap kepuasan nasabah tabungan BRITAMA Bank BRI Cabang Manado. Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi, 2(2), 1239–1250. https://doi.org/10.35794/emba.v2i2.4708
Widyastuti, R. S., & Armanto, B. (2013). Kompetisi industri perbankan Indonesia. Buletin Ekonomi Moneter dan Perbankan, 15(4), 417–439. https://doi.org/10.21098/bemp.v15i4.74
Wijayanti, D. M., & Riza, A. . (2017). Sharia Fintech: Positive innovation in consumer perspective. International Seminar Academic Network on Competition Policy,. https://doi.org/https://doi.org/10.1017/CBO9781107415324.004
Yang, B. (2015). Bagaimana hubungan kepribadian dengan retensi pelanggan? Sebuah urutan model mediasi self-efficacy dan investasi relasiona. Jurnal India Sains dan Teknologi. https://doi.org/https://doi.org/10.17485/ijst/2015/v8i
Statistika Perbankan Syariah (2020-2021) Otoritas Jasa Keuangan (OJK).
Statistika Perbankan Indoensia Februari 2022 Otoritas Jasa Keuangan (OJK).
Downloads
Published
Issue
Section
License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Bulletin of Islamic Economics is licensed under a
Creative Commons Attribution-ShareAlike 4.0 International License