PENGARUH KUALITAS PELAYANAN ADMINISTRASI KREDIT TERHADAP KEPUASAN NASABAH KREDIT KONSUMER

Authors

  • Dana Santoso Saroso Universitas Siber Indonesia
  • Yogi Bhakti Santosa Universitas Siber Indonesia

Keywords:

service quality, customer satisfaction, bank, bank performance, quantitative.

Abstract

The banking business performance is a type of industry that is highly dependent on the service quality provided. The performance is not only in terms of the number of customers or the amount of funds collected by the Bank, but it can also have an impact on other related company's performance. Therefore, this quantitative research focuses on measuring and analyzing the influence of service quality of credit administration on customer satisfaction of consumer credit. This research is based on a case study at PT Bank Rakyat Indonesia (Persero) Tbk Tanah Abang Branch Office, with five service quality indicators, namely tangible, reliability, responsiveness, assurance, and empathy. The data collection technique uses questionnaires with a total of 100 consumer credit customers as respondents. The research method used is simple linear regression analysis using SPSS software. The research results obtained show that service quality has a partially significant influence on customer satisfaction.

References

Aghaei, M. (2021). Market Segmentation in the Banking Industry Based on Customers’ Expected Benefits: A Study of Shahr Bank. Iranian Journal of Management Studies, 14(3), 629–648. https://doi.org/10.22059/IJMS.2021.305952.674132

Ali, A. (2020). Evaluating Service Quality of Commercial Banks towards SMEs in Pakistan: Implications for Improvement. Paradigms, 14(2), 136–144. https://doi.org/10.24312/20201402018

Azimi, H., & Amiri, V. (2018). Designing Structural Model of Effective Factors in Loyalty of Mobile Banking Customers by Considering Trust and Satisfaction of Customers. Journal of Economic & Management Perspectives, 12(2), 28–38.

Bhatt, S., & Jain, S. (2020). Factors Influencing Customers’ Bank Selection Decision in Nepal. International Journal of Advanced Science and Technology, 29(5s (Special Issue)). http://sersc.org/journals/index.php/IJAST/article/view/21323

Bitkina, O. V., Park, J., & Kim, H. K. (2022). Measuring User-Perceived Characteristics for Banking Services: Proposing a Methodology. International Journal of Environmental Research and Public Health, 19(4). https://doi.org/10.3390/ijerph19042358

de Bruin, L., Roberts-Lombard, M., & de Meyer-Heydenrych, C. (2021). The interrelationship between internal marketing, employee perceived quality and customer satisfaction–a conventional banking perspective. Cogent Business and Management, 8(1), 1–30. https://doi.org/10.1080/23311975.2021.1872887

Farris, P. W., Bendle, N. T., Pfeifer, P. E., & Reibstein, D. J. (2014). Marketing Metrics: The Definitive Guide to Measuring Marketing. In Journal of Human Lactation (Second, Issue Second Edition). Pearson Education, Inc.

Godovykh, M., & Tasci, A. D. A. (2020). Satisfaction vs experienced utility: current issues and opportunities. Current Issues in Tourism, 23(18), 2273–2282. https://doi.org/10.1080/13683500.2020.1769573

Hartati, V., & Karami Wijaya, A. (2021). Design of EDC Machine Case And Stand Using House of Quality and Anthropometry Measurement. In Turkish Journal of Computer and Mathematics Education (Vol. 12, Issue 8).

Hendrawan, S. A., Trihandoyo, A., & Saroso, D. S. (2023). Implementing Technology Acceptance Model to measure ICT usage by smallholder farmers. SINERGI, 27(1), 123–132. https://doi.org/10.22441/sinergi.2023.1.014

Kamboj, J., Bhatia, B. S., & Bali, S. (2022). Service Quality in Banks: An Analysis. International Journal of Creative Research Thoughts., 10(9), 352–365. https://doi.org/10.4018/978-1-59904-675-4.ch002

Kattel, M., & Shah, A. K. (2020). Bank Attribute Factors in Determining Customers’ Choice of Commercial Banks. Journal of Business and Social Sciences Research, 5(1), 51–62. https://doi.org/10.3126/jbssr.v5i1.30199

Kothari, C. R. (2004). Research Methodology: Methods and Techniques. In New Age International Publishers (Vol. 4, Issue 1).

Lee, S., & Lee, K. C. (2020). Comparative study of service quality on VIP customer satisfaction in internet banking: South Korea case. Sustainability (Switzerland), 12(16). https://doi.org/10.3390/MATH8081283

Maharani, B., & Saroso, D. (2020). Analysis of Service Quality an Empirical Study of Customer Satisfaction in Information and Technology Service Companies. Dinasti International Journal of Digital Business Management, 1, 200–209. https://doi.org/10.31933/dijdbm.v1i2.152

Malela, I. H. (2021). Banking Services and Customers Bank Selection Criteria (Evidence from Ethiopian Commercial Banks in Addis Ababa). Journal of Marketing and Consumer Research, 83, 24–38. https://doi.org/10.7176/jmcr/83-03

Mohamed, M. A., Mohamed, M. A., & Mohamud, O. A. (2023). Analysis of the Factors Affecting Bank Selection Decisions in Mogadishu, Somalia. Journal of Law and Sustainable Development, 11(8), e1496. https://doi.org/10.55908/sdgs.v11i8.1496

Nesyani, N. (2017). A Survey of the Effective Factors on Customers’ Preference in the Selection of Public Banks. Journal of Economic & Management Perspectives, 11(4), 837–844. https://www.proquest.com/scholarly-journals/survey-effective-factors-on-customers-preference/docview/2267401165/se-2?accountid=34643

Orok, A. B., Effiong, A. O., & Idongest, T. T. (2023). Optimizing Bank Performance through Loan Recovery in Nigeria: A Comprehensive Analysis of Loan Recovery Strategies of Ecobank Plc. Journal of Business Strategy Finance and Management, 5(1), 23–39. https://doi.org/https://doi.org/10.12944/JBSFM.05.01.04

Parasuraman, A., Berry, L. L., & Zeithaml, V. A. (1991). Perceived service quality as a customer‐based performance measure: An empirical examination of organizational barriers using an extended service quality model. Human Resource Management, 30(3), 335–364. https://doi.org/10.1002/hrm.3930300304

Parasuraman, A., Berry, L. L., & Zeithaml, V. A. (1993). More on improving service quality measurement. Journal of Retailing, 69(1), 140–147. https://doi.org/10.1016/S0022-4359(05)80007-7

Parasuraman, A., Zeithaml, V. A., & Berry, L. L. (1985). A Conceptual Model of Service Quality and Its Implications for Future Research. Journal of Marketing, 49(4), 41. https://doi.org/10.2307/1251430

Parasuraman, A., Zeithaml, V. A., & Berry, L. L. (1988). SERVQUAL: A Multiple-Item Scale for Measuring Consumer Perceptions of Service Quality. Journal of Retailing, 64(1), 12–40. https://doi.org/10.1049/el:19850169

Parasuruman A., Berry Leonardo L. and Zeithaml Valrie, A. (1991). Understanding Customer Expectations of Service. Sloan Management Review, 32(3), 39–49.

Phi, H. D., & Huong, D. P. (2023). Effect of Service Quality on Customer Loyalty: the Mediation of Customer Satisfaction, and Corporate Reputation in Banking Industry. Eurasian Journal of Business and Management, 11(1), 1–16. https://doi.org/10.15604/ejbm.2023.11.01.001

Saroso, D. S., Kristianto, I., & Rimawan, E. (2023). A Framework of SCOR Model Based on Systematic Literature Review: Case Study in Micro and Small Industries in Indonesia. International Journal of Research and Innovation in Social Science (IJRISS), VII(V), 902–917. https://doi.org/https://doi.org/10.47772/IJRISS.2023.70571

Shewmolo, M., & Getnet, B. (2020). Analysis of Factors Affecting Customer’s Selection of Bank Services (Case Study of Worabe, Ethiopia). Journal of Higher Education Service Science and Management, 3(1). https://www.researchgate.net/publication/343391200_Analysis_of_Factors_Affecting_Customer’s_Selection_of_Bank_Services_Case_Study_of_Worabe_Ethiopia

Singh, Satyendra; Jain, T. (2019). Consumer Satisfaction Index: A Comparative Analysis of ICICI Bank, HDFC Bank and AXIS Bank in Gwalior. Paper Knowledge . Toward a Media History of Documents, 11(2), 71–85.

Theodorsson, U., Gudlaugsson, T., & Gudmundsdottir, S. (2022). Talent Management in the Banking Sector: A Systematic Literature Review. Administrative Sciences, 12(2). https://doi.org/10.3390/admsci12020061

Torabi, M., & Bélanger, C. H. (2021). Influence of online reviews on student satisfaction seen through a service quality model. Journal of Theoretical and Applied Electronic Commerce Research, 16(7), 3063–3077. https://doi.org/10.3390/jtaer16070167

Vinnarasi, B., Kumar, N., Ganesh, C., Agarwal, A., & Maguluri, L. P. (2022). Service Quality & Customer Satisfaction With Special Reference To Banking Sector. Journal of Positive School Psychology, 2022(5), 1477–1485. http://journalppw.com

Zeithaml, V. (2017). Servqual: A Multiple-Item Scale For Measuring Consumer Perc - ProQuest. https://www.proquest.com/openview/7d007e04d78261295e5524f15bef6837

Zia, A. (2022). Discovering the linear relationship of service quality, satisfaction, attitude and loyalty for banks in Albaha, Saudi Arabia. PSU Research Review, 6(2), 90–104. https://doi.org/https://doi.org/10.1108/PRR-07-2020-0023

Zouari, G., & Abdelhedi, M. (2021). Customer satisfaction in the digital era: evidence from Islamic banking. Journal of Innovation and Entrepreneurship, 10(1). https://doi.org/10.1186/s13731-021-00151-x

Published

25-01-2024

How to Cite

Saroso, D. S., & Santosa, Y. B. . (2024). PENGARUH KUALITAS PELAYANAN ADMINISTRASI KREDIT TERHADAP KEPUASAN NASABAH KREDIT KONSUMER. Innobiz: Jurnal Ilmu Manajemen, Bisnis Dan Keuangan, 1(1), 77–86. Retrieved from https://ejournal.cyber-univ.ac.id/index.php/innobiz/article/view/34