S. Harahap, Muhammad Nur Nasution, Ramlan Harahap
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摘要

“甚至埃及、马来西亚、巴基斯坦等国家都比印度尼西亚更早地建立和经历了伊斯兰银行,印度尼西亚伊斯兰银行的历史和发展是独特而壮观的。即使印度尼西亚是穆斯林人口最多的国家,在苏哈托总统的大力支持下,第一家伊斯兰银行也于1992年成立。随后又成立了另外两家银行(1999年成立的Mandiri伊斯兰银行和2004年成立的印度尼西亚伊斯兰大银行)。印度尼西亚银行作为印度尼西亚的中央银行,已经向传统银行敞开了大门,以开放他们的伊斯兰银行,其中包括BRI, BNI, BII, Danamon, IFI, Permata, Bukopin, BTN, Niaga, Bank DKI和Bank Jabar。2006年印尼伊斯兰银行的市场占有率为1.52%。本文研究了一家伊斯兰银行如何提供服务,以及客户对服务质量7个维度的感知:“自愿性、员工能力、安全性、可靠性、重视性、响应性和有形性”。采用问卷调查法和实地研究相结合的方法,研究表明,在银行信息、服务员工、伊斯兰教法执行、重视程度和响应性方面,满意度较高。客户对伊斯兰教的实施、可靠性、产品的变化(如ATM、存款、教育存款、伊斯兰卡)、员工对银行产品、服务和制服的了解寄予了很高的期望。
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KEPUASAN PELANGGAN PADA BANK ISLAM STUDI KASUS SUATU BANK ISLAM DI INDONESIA
"Even Egypt, Malaysia, Pakistan and other countries have established and experienced in Islamic bank earlier than of Indonesia, history and development of Islamic bank in Indonesia is unique and spectacular. Even Indonesia is the most populous Muslim country the first Islamic bank was established in 1992 under strong support of Presiden Soeharto. Then other two banks were established (Bank Syariah Mandiri in 1999 and Bank Syariah Mega Indonesia 2004. Bank Indonesia as the indonesia's central bank has opended the door to conventional bank to open their syariah unit Islamic banks among others: BRI, BNI, BII, Danamon, IFI, Permata, Bukopin, BTN, Niaga, bank DKI dan bank Jabar. Market share of Islamic bank in Indonesia in 2006 was 1,52 %. The paper stuies how An Islamic bank provide service and what the perception of customers on 7 dimensions of service quality: "voluntere, employee competence, security, retiability, emphaly, responsiveness and tangible. Using survey method and field study the study shows that satisfactory was in bank information, service employees, syariah implementation, emphaty and responsiveness. Customers put high expectation on implimentation of syariah, reliability, product variations e.g ATM, deposits, educational deposit, Islamic card, employee's knowledge on bank products, service and uniform.
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