The Determinants of Service Quality and Its Impact on Customer Satisfaction (A Survey of Islamic Banks Customers in Indonesia)

Salamah Wahyuni ()
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Salamah Wahyuni: Faculty of Economics and Business, Universitas Sebelas Maret Surakarta Author-2-Name: Arif Lukman Santoso Author-2-Workplace-Name: Faculty of Economics and Business, Universitas Sebelas Maret Surakarta Author-3-Name: Yacob Suparno Author-3-Workplace-Name: Faculty of Economics and Business, Universitas Sebelas Maret Surakarta

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Abstract: Objective � This study examines the factors affecting the quality of Islamic banking services in Indonesia, and its impact on customer satisfaction. Methodology/Technique � Questionnaires were distributed to 300 people, with 286 respondents having completed and returned the questionnaires. A descriptive analysis was conducted to ascertain the elements of Islamic banking services. Further, multiple regression analysis was used to analyze the influence of the quality of Islamic banking services on customer satisfaction. The results show that all elements of banking services are not in accordance with the expectations of the respondents as customers, particularly with respect to Automatic Teller Machine ('ATM') services. Findings � The results show that, with respect to all elements examined, the value of expectations was higher than the service received by customers. In addition, not all of the study hypotheses were accepted. The expectations of banking services were not influenced by Word of Mouth ('WOM'), personal characteristics or experience. Further, the source of information obtained, the age or income of the respondents, and their education and experience, did not have an effect on the expectations of Islamic banking services. Novelty � A high quality of Islamic banking services significantly affects customer satisfaction. In an effort to improve services in that industry, Islamic banking in Indonesia would benefit from placing more attention on all elements of the services provided to customers, particularly ATM services. Further, based on the findings of this study, the elements of customer service should be addressed regardless of the characteristics of the customers, such as age, income, education or experience.

Keywords: Service Quality; Customer Satisfaction; Islamic Banks; Indonesia (search for similar items in EconPapers)
JEL-codes: G20 G21 G29 (search for similar items in EconPapers)
Pages: 10
Date: 2017-12-02
New Economics Papers: this item is included in nep-isf and nep-sea
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Citations: View citations in EconPapers (1)

Published in Journal of Finance and Banking Review, Volume 2, Issue 4

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