Majapahit Journal of Islamic Finance dan Management
Vol. 6 No. 2 (2026): Islamic Finance and Management

Strategies for Building Customer Satisfaction at the Aksara Branch of PT Bank Aceh Syariah

M. Bima Syahputra (Universitas Sumatera Utara, Medan, Indonesia)
Endang Sulistya Rini (Universitas Sumatera Utara, Medan, Indonesia)
Muhammad Anggia Muchtar (Universitas Sumatera Utara, Medan, Indonesia)



Article Info

Publish Date
14 Oct 2026

Abstract

Customer satisfaction is a strategic aspect of sustaining relationships between banks and customers, particularly in Islamic banking, which is required to provide quality services, accessible channels, and sustainable customer relationships. This study aims to analyze the effects of service quality, accessibility, and Customer Relationship Management (CRM) on customer satisfaction at PT Bank Aceh Syariah KCP Aksara. A quantitative survey approach was employed involving 140 customers as respondents. The data were analyzed using multiple linear regression, supported by validity, reliability, classical assumption, t-test, F-test, and coefficient of determination analyses. The results show that service quality has a positive and significant effect on customer satisfaction (β=0.318; p<0.001), accessibility has a positive and significant effect (β=0.171; p=0.009), and CRM has a positive and significant effect (β=0.399; p<0.001). Simultaneously, the three variables significantly affect customer satisfaction (F=61.319; p<0.001) and explain 57.5% of its variance. The synthesis indicates that customer satisfaction is shaped by the integration of service interaction quality, ease of access, and sustainable relationship management, with CRM demonstrating the strongest relative influence. The policy implication is that the bank should strengthen CRM through personalized communication, post-transaction follow-up, complaint management, and customer data utilization, supported by continuous improvements in service quality, facilities, information accessibility, and digital services.

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Journal Info

Abbrev

majapahit

Publisher

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

Majapahit Journal of Islamic Finance and Management (MJIFM) (E-ISSN 2798-0170) is a journal published by Universitas KH. Abdul Chalim Mojokerto Indonesia four times a year (March, June, September and December). As the name implies, the journal brings two major themes, namely Islamic Finance and ...