Service Quality Analysis of BPR XYZ
Abstract
BPR XYZ is a banking company engaged in savings, deposit, and loan services. In providing services to customers, its employees follow service standards established by the company. However, in reality, there are still many complaints from customers. Therefore, it is necessary to measure the quality of the services provided to determine whether they meet customer expectations and identify areas for improvement. This must be addressed immediately if the company wishes to remain competitive. This study will use the Service Quality (Servqual) method to address the issues faced. The Servqual method is used to measure the quality of service based on attributes of each dimension, resulting in a gap value that indicates the difference between consumer perceptions of the services received and their expectations of what should be received. This study evaluates 21 attributes, covering both service and product attributes offered. The results show that 12 attributes exceed customer expectations, including strategic location, availability of queue numbers, appropriate operating hours, clear and easy-to-understand information, assistance from officers when customers face issues, trustworthiness, the bank’s ability to ensure customer data security, confidentiality of customer data, non-discrimination, and understanding of customer needs. However, there are still 9 attributes below customer expectations, including the comfort of the waiting room, sufficient parking area, ease of transactions, reliability in resolving customer issues, waiting time, service speed, responsiveness to customer complaints, politeness in service, and the overall impression given to customers by the service provided.
Downloads
References
Bhegawati, Desak Ayu Sriary, and Made Suyana Utama. 2020. “The Role of Banking in Indonesia in Increasing Economic Growth and Community Welfare.” South East Asia Journal of Contemporary Business, Economics and Law 22 (1): 83–91.
Fida, Bashir Ahmad, Umar Ahmed, Yousuf Al-Balushi, and Dharmendra Singh. 2020. “Impact of Service Quality on Customer Loyalty and Customer Satisfaction in Islamic Banks in the Sultanate of Oman.” Sage Open 10 (2): 2158244020919517.
Idayati, Irma, Indrawati Mara Kesuma, Ronal Aprianto, and Suwarno Suwarno. 2020. “The Effect of Service Quality on Citizen’s Expectation through Dimension of Tangible, Emphaty, Reliability, Responsiveness and Assurance (TERRA).” SRIWIJAYA International Journal of Dynamic Economics and Business, 241–52.
Jakhiya, Mukund, Malini Mittal Bishnoi, and Harsh Purohit. 2020. “Emergence and Growth of Mobile Money in Modern India: A Study on the Effect of Mobile Money.” In 2020 Advances in Science and Engineering Technology International Conferences (ASET), 1–10. IEEE.
Mahsyar, Syariful, and Untung Surapati. 2020. “Effect of Service Quality and Product Quality on Customer Satisfaction and Loyalty.” International Journal of Economics, Business and Accounting Research (IJEBAR) 4 (01).
Matthews, Kent, John Thompson, and Tiantian Zhang. 2023. Economics Of Banking, The. World Scientific.
Mosimanegape, Phetogo, Olumide Jaiyeoba, Chux Gervase Iwu, and Cheneso Chekula-Mahama. 2020. “Examining the Relationship between Service Quality and Customer Satisfaction in the Public Service. The Case of Botswana.” WSEAS Transactions on Business and Economics 17 (57): 579–93.
Rane, Nitin Liladhar, Anand Achari, and Saurabh P Choudhary. 2023. “Enhancing Customer Loyalty through Quality of Service: Effective Strategies to Improve Customer Satisfaction, Experience, Relationship, and Engagement.” International Research Journal of Modernization in Engineering Technology and Science 5 (5): 427–52.
Setiono, Beni Agus, and Sapit Hidayat. 2022. “Influence of Service Quality with the Dimensions of Reliability, Responsiveness, Assurance, Empathy and Tangibles on Customer Satisfaction.” International Journal of Economics, Business and Management Research 6 (09): 330–41.
Shrestha, Noora. 2021. “Factor Analysis as a Tool for Survey Analysis.” American Journal of Applied Mathematics and Statistics 9 (1): 4–11.
Stefano, N, I Zattar, and N Casarotto-Filho. 2020. “Assessment of Service Quality in the Hotel Industry: Use of Fuzzy Hybrid Methodologies.” Revista de Administração Da UFSM 13 (1): 40–57.
Sugiarto, Sigit, and Vivi Octaviana. 2021. “Service Quality (SERVQUAL) Dimensions on Customer Satisfaction: Empirical Evidence from Bank Study.” Golden Ratio of Marketing and Applied Psychology of Business 1 (2): 93–106.
Supriyanto, Achmad, Bambang Budi Wiyono, and Burhanuddin Burhanuddin. 2021. “Effects of Service Quality and Customer Satisfaction on Loyalty of Bank Customers.” Cogent Business & Management 8 (1): 1937847.
Sürücü, Lütfi, and Ahmet Maslakci. 2020. “Validity and Reliability in Quantitative Research.” Business & Management Studies: An International Journal 8 (3): 2694–2726.
Syahsudarmi, Siti. 2022. “The Influence of Service Quality on Customer Satisfaction: A Case Study.” International Journal of Indonesian Business Review 1 (1): 29–37.
Tamanna, Tabassum. 2020. “Consumer Perceptions and Expectations of Service Quality: Assessment through SERVQUAL Dimensions.” Journal of Economics and Business 3 (2).
Tešić, Dejan. 2020. “Measuring Dimensions of Service Quality.” Strategic Management-International Journal of Strategic Management and Decision Support Systems in Strategic Management 25 (1).
Toha, Mohamad & Habibah, N.J. (2023). MSME Empowerment and Development Program to Increase Consumer Satisfaction. Sahwahita: Community Engagement Journal, 1(1), 26-39. https://e-journal.bustanul-ulum.id/index.php/Sahwahita/article/view/24
Tripathi, Shalini Nath, and Masood H Siddiqui. 2020. “Assessing the Quality of Healthcare Services: A SERVQUAL Approach.” International Journal of Healthcare Management.
Usanti, Trisadini Prasastinah, and Anindya Prastiwi Setiawati. 2022. “The Cooperation Between Conventional Commercial Banks and Rural Banks for Financial Inclusiveness Improvement of Small, Medium And Micro Enterprises.” IUS POSITUM: Journal Of Law Theory And Law Enforcement, 18–30.
Wulandari, Dita. 2022. “Customer Satisfaction as a Priority in Excellent Banking Services.” KINERJA: Jurnal Manajemen Organisasi Dan Industri 1 (1): 27–34.
Zouari, Ghazi, and Marwa Abdelhedi. 2021. “Customer Satisfaction in the Digital Era: Evidence from Islamic Banking.” Journal of Innovation and Entrepreneurship 10:1–18.
Copyright (c) 2025 Ulfa Chusnia Wahyunita, Dwi Sukma Donoriyanto

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.















