Al-Kharaj: Journal of Islamic Economic and Business
Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi

Determinants of Customer Loyalty in Islamic Banking: The Mediating Role of Customer Satisfaction

Muhammad Daffa Dhiya’ulhaq (Universitas Islam Negeri Raden Fatah Palembang)
Rika Lidyah (Universitas Islam Negeri Raden Fatah Palembang)
Chandra Zaki Maulana (Universitas Islam Negeri Raden Fatah Palembang)



Article Info

Publish Date
24 Jun 2026

Abstract

This study aims to examine the influence of Shariah compliance, corporate image, and relationship marketing on customer loyalty, with customer satisfaction as an intervening variable in Islamic banking. A quantitative approach with an explanatory research design was employed. Data were collected through structured questionnaires distributed to customers and analyzed using Structural Equation Modeling with the Partial Least Squares (SEM-PLS) technique. The results show that Shariah compliance, corporate image, and relationship marketing have significant positive effects on customer loyalty. In addition, these variables significantly influence customer satisfaction, which is found to have the strongest effect on customer loyalty. The mediation analysis reveals that customer satisfaction significantly mediates the relationship between Shariah compliance, corporate image, relationship marketing, and customer loyalty. This indicates that improving customer satisfaction is a key mechanism in strengthening customer loyalty. In conclusion, Islamic banks need to integrate Shariah compliance, enhance corporate image, and implement effective relationship marketing strategies to improve customer satisfaction and sustain long-term customer loyalty.

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Journal Info

Abbrev

alkharaj

Publisher

Subject

Economics, Econometrics & Finance

Description

Al-Kharaj, Journal of Islamic Economic and Business is peer-reviewed journal published by program studi ekonomi syariah , Institut Agama Islam Negeri (IAIN) Palopo. Al-Kharaj focus on the research of Islamic Economic and Business. The aims of this journal is to explore and develop economic related ...