Integrating Attitudes to Sharia Banks in a Customer Loyalty Model of Sharia Banks: An Evidence from Indonesia
Abstract
The main objective of this study aimed to evaluate the role of customer attitudes towards Islamic banks and
corporate image on customer loyalty through mediating customer satisfaction, trust, and switching costs. Data
analysis used 283 respondents as a sample using a purposive sampling method. The research used Structural
Equation Modeling (SEM) with LISREL 8.0. The findings show that of the ten hypotheses, eight hypotheses
proved significant, and two hypotheses were insignificant. The results showed that attitudes towards Islamic banks
affect the perception of service quality but do not affect customer satisfaction. Corporate image influences
satisfaction but does not affect customer trust. Customer satisfaction affects customer loyalty, both directly and
indirectly, through mediating customer trust and switching costs. The most significant total effect of attitude on
Islamic banking towards loyalty has a coefficient value of 0.15. The coefficient is the path of attitude, service
quality, customer satisfaction, and customer loyalty. The pathway shows that attitudes towards sharia banking
affect customer loyalty through the mediating role of service quality and satisfaction. While the most significant
total effect of the corporate image through customer satisfaction, customer loyalty with a coefficient value of 0.15.
The pathway shows