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STRATEGI CUSTOMER RELATIONSHIP MANAGEMENT UNTUK MENINGKATKAN KEPUASAN NASABAH DI PT BPR SEJAHTERA BATAM Golan Hasan; Delys Changnardy; Villa Cindy
Journal of Innovative and Creativity (Joecy) Vol. 6 No. 2 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v6i2.14496

Abstract

ABSTRAK Persaingan di dunia perbankan saat ini memaksa setiap lembaga untuk terus memelihara relasi yang harmonis dengan para nasabahnya. Salah satu pendekatan yang bisa diandalkan guna mendorong kenaikan tingkat kepuasan nasabah melalui pengelolaan interaksi jangka panjang adalah Customer Relationship Management (CRM). Fokus dari studi ini adalah untuk mengkaji bagaimana strategi CRM diterapkan dalam upaya memperbaiki kepuasan nasabah di PT BPR Sejahtera Batam. Dengan menggunakan metode kualitatif, data dikumpulkan lewat observasi, wawancara, serta studi dokumentasi. Temuan dari penelitian mengungkapkan bahwa implementasi CRM yang dilakukan melalui perbaikan mutu layanan, komunikasi yang intensif dan terarah, serta penggunaan teknologi mampu menciptakan pengalaman yang lebih positif bagi nasabah. Ketika relasi yang dibangun bersifat personal dan terus-menerus, maka tingkat kepuasan nasabah pun ikut meningkat. Namun, sejumlah tantangan masih ditemukan, terutama berkaitan dengan ketidakkonsistenan dalam pelayanan dan optimalisasi teknologi yang belum maksimal. Studi ini menyimpulkan bahwa strategi CRM yang terpadu dan berpusat pada kebutuhan nasabah memiliki peran krusial dalam mendongkrak kepuasan sekaligus memperkuat posisi daya saing perusahaan di industri perbankan. ABSTRACT Competition in the banking industry today forces every institution to continuously maintain harmonious relationships with its customers. One reliable approach to increasing customer satisfaction through long-term interaction management is Customer Relationship Management (CRM). This study focuses on how CRM strategies are implemented to improve customer satisfaction at PT BPR Sejahtera Batam. Using qualitative methods, data was collected through observation, interviews, and documentation studies. The research findings reveal that CRM implementation through improved service quality, intensive and targeted communication, and the use of technology can create a more positive experience for customers. When relationships are built on a personal and ongoing basis, customer satisfaction levels also increase. However, several challenges remain, particularly related to inconsistencies in service and suboptimal technology optimization. This study concludes that an integrated, customer-centered CRM strategy plays a crucial role in boosting customer satisfaction and strengthening the company's competitive position in the banking industry.
Cross-Selling Opportunities, Customer–Company Identification, Product Evaluation, and Digital Strategy on Purchase Intention: The Mediating Role of Customer Satisfaction in Bank Saving and Deposit Products: Peluang Penjualan Silang, Identifikasi Pelanggan–Perusahaan, Evaluasi Produk, dan Strategi Digital terhadap Niat Membeli: Peran Mediasi Kepuasan Pelanggan pada Produk Tabungan dan Deposito Bank Edy Yulianto Putra; Villa Cindy; Ferdinand Nainggolan
JBMP (Jurnal Bisnis, Manajemen dan Perbankan) Vol. 12 No. 2 (2026): September
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/jbmp.v12i2.2420

Abstract

This study aims to examine how cross-selling opportunities, customer-company identification, product evaluation, and digital strategy influence purchase intention, specifically evaluating the mediating role of customer satisfaction for savings and deposit products in the Indonesian banking sector. Utilizing a quantitative approach, data were collected from 250 banking customers via questionnaires and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results reveal that digital strategy, customer-company identification, and cross-selling opportunities significantly enhance customer satisfaction with digital strategy acting as the most dominant predictor while product evaluation shows no significant effect. Furthermore, customer satisfaction significantly drives purchase intention and successfully mediates the impact of the three significant predictors, demonstrating that cross-selling is only effective when customers perceive the offers as inherently valuable. Theoretically, this research integrates multiple frameworks, including Social Identity Theory and the Technology Acceptance Model, to highlight satisfaction as a central psychological mechanism. Practically, these findings imply that banking institutions must prioritize seamless digital platforms and design highly relevant, value-driven cross-selling strategies to effectively cultivate customer satisfaction and sustain long-term purchase intentions.