Kualiti Perkhidmatan dan Kepuasan Pelanggan dalam Perbankan Islam di Negeri Kedah

The main purpose of the study is to examine the service quality that explains the variance in customer satisfaction in the Islamic banking in Kedah. The measurement of service quality was modified and adapted from Othman and Owen (2001) and Parasuraman et al. (1991) with 1-5 scale adapted with local culture. The instrument consists of six dimensions namely compliance, assurance, reliability, tangible, empathy and responsiveness. Meanwhile, the measurement of customer satisfaction was adapted from Othman and Owen (2001) and McDougall dan Levesque (1994). This study chooses two banks that practices Islamic banking; Bank Islam and Bank Muamalat. 200 questionaires were distibuted; 100 questionaires for Bank Islam and Bank Muamalat respectively. The stratified random sampling technique was used 1.0 select the respondents. The questionaires were distributed using sistematic convenient sampling technique. The data gathered were analysed using Statistical Package for Social Science (SPSS). The study used descriptive analysis, correlation pearson, means, t-test, ANOVA, and multiple regression tests. The findings showed that the level of customer satisfaction was high, as well as the overall service quality. The bank customer emphasize compliance, assurance, reliability, tangible, empathy and responsiveness. The result showed that there were significant difference in the customer satisfaction based on gender and education level. The male customer reported that they were more satisfied towards the service quality provided, compared to the female counterparts. In terms of education qualification, secondary school leavers were more satisfied followed by university/college graduate, primary school and Islamic school. Multiple regression analysis indicate that the service quality explained 61.4% of the variance in the customer satisfaction. There were three dimensions of service quality, namely empathy, responisiveness, and tangible considered as the critical factor in the customer satisfaction, and the less emphasized factors were compliance, assurance and reliability. It can be concluded that the customers were satisfied with the service quality provided by the Islamic banking. Special attention should be given to the customers by improving the physical facilities, equipment and the staff appearance, and giving the fast and effective service to the customers. Besides that, the Islamic banks should also improve the service quality to the customer and affordable to fulfill the responsibility as promised