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All Journal Dinasti International Journal of Economics, Finance & Accounting (DIJEFA)
Wiyono, Sakti
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Economics, Econometrics & Finance

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The Influence of Customer Value and Experience on Loyalty with Satisfaction as Intervening Variable in BPRS Kedung Arto Wiyono, Sakti; Tjahjaningsih, Endang
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 6 (2026): Dinasti International Journal of Economics, Finance & Accounting (January - Feb
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i6.6262

Abstract

The objective of this paper is to analyze the influence of Customer Value and Customer Experience on Customer Loyalty, with Satisfaction positioned as a mediating variable among Islamic banking customers. This research is motivated by the recognized significance of customer loyalty in the highly competitive Islamic financial industry. Quantitative methods were applied, and data were collected through a questionnaire-based survey. The data were then analyzed through multiple linear regression and the Sobel test to evaluate the mediating role of Satisfaction. The results of this work show that Customer Value and Experience significantly and positively influence Satisfaction, with Experience emerging as the more dominant driver (β= 0.572). Furthermore, a strong direct effect of Customer Value, Experience, and Satisfaction on Loyalty was found. The mediating role of Satisfaction as a partial mediator in the relationships between both Customer Value and Experience toward Loyalty was confirmed. As a managerial implication, it is recommended that Islamic bank management enhance holistic customer experience management and optimize product value propositions to strengthen customer loyalty by fostering higher satisfaction levels.
Co-Authors Endang Tjahjaningsih