Aprilia, Rahmadia Pami
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PERAN CUSTOMER SERVICE (CS) TERHADAP KUALITAS PELAYANAN DAN KEPATUHAN SYARIAH DI BANK SYARIAH INDONESIA (BSI) KOTA BENGKULU Aprilia, Rahmadia Pami; Supardi, Supardi; Hartini, Kustin
REMITTANCE: JURNAL AKUNTANSI KEUANGAN DAN PERBANKAN Vol 6, No 2 (2025): REMITTANCE DESEMBER 2025
Publisher : Institut Teknologi dan Bisnis Swadharma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56486/remittance.vol6no2.766

Abstract

The purpose of this study was to determine the quality of customer service officers at Bank Syariah Indonesia (BSI) in Bengkulu City and to determine customer service officers from the perspective of sharia compliance. This study is a field study using a descriptive qualitative approach, through observation, interviews, and documentation methods. The data analysis techniques used are data reduction, data presentation, and data conclusion. The results show that the quality of customer service officers at Bank BSI Bengkulu has met good standards in the aspects of tangibles, reliability, responsiveness, assurance, and empathy. Clean facilities, comfortable waiting rooms, and the professional appearance of employees create a positive experience. The speed, accuracy, and openness of information show the service reliability, which can increase customer trust. Customer service officers are friendly, responsive to complaints, and provide fast and appropriate solutions. Caring and professionalism are the main factors in improving customer satisfaction. Customer service officers at Bank BSI Bengkulu is in accordance with Sharia law, focusing on product and contract transparency, avoiding gambling (maysir) and gharar, and preventing usury (riba). Customer service officers clearly explains product benefits and risks, ensuring transactions comply with Sharia principles. Customer service officers uses empathy and fair solutions to handle customer complaints. Furthermore, oversight by the Sharia Supervisory Board (DPS) ensures services remain in accordance with the fatwa DSN-MUI.Tujuan penelitian ini adalah untuk mengetahui kualitas pelayanan customer service di Bank Syariah Indonesia (BSI) Kota Bengkulu serta untuk mengetahui pelayanan customer service di Bank BSI Bengkulu dilihat dari sisi kepatuhan syariah. Penelitian ini merupakan penelitian lapangan dengan menggunakan pendekatan kualitatif deskriptif, melalui metode observasi, wawancara, dan dokumentasi. Teknik analisis data yang digunakan yaitu reduksi data, penyajian data, kemudian menarik kesimpulan dari data yang ditemukan. Hasil penelitian menunjukan bahwa kualitas pelayanan customer service di Bank BSI Kota Bengkulu telah memenuhi standar yang baik dalam aspek tangibles, reliability, responsiveness, assurance, dan empathy. Fasilitas bersih, ruang tunggu nyaman, serta tampilan profesional pegawai menciptakan pengalaman positif. Keandalan layanan terlihat dari kecepatan, ketepatan, dan keterbukaan informasi, yang dapat meningkatkan kepercayaan nasabah. Petugas customer service ramah, sigap menangani keluhan, memberikan solusi cepat dan tepat. Kepedulian dan profesionalisme menjadi faktor utama dalam meningkatkan kepuasan nasabah. Dan Pelayanan customer service di Bank BSI Bengkulu telah sesuai dengan kepatuhan syariah, berfokus pada transparansi produk dan akad, penghindaran maysir dan gharar, serta pencegahan riba. Customer service menjelaskan manfaat dan risiko produk secara jelas, memastikan transaksi sesuai prinsip syariah, Penanganan keluhan dilakukan dengan empati dan solusi yang adil. Selain itu, pengawasan oleh Dewan Pengawas Syariah (DPS) memastikan layanan tetap sesuai dengan fatwa DSN-MUI