THE EFFECT OF CSR, GREEN BANKING, SERVICE QUALITY, AND CUSTOMER EXPERIENCE ON CUSTOMER LOYALTY AT BRI

Keywords: Banking Industry, Corporate Social Responsibility, Customer Experience and Customer Loyalty, Green Banking, Service Quality, Loyalty Strategy, Sustainable Banking

Abstract

This research aims to determine the effect of corporate social responsibility, green banking, service quality, and customer experience on customer loyalty at PT. Bank Rakyat Indonesia (Persero), Tbk. This research is a quantitative study using primary data collected through the distribution of questionnaires with 100 BRI customer respondents. The analysis employed multiple linear regression methods and various statistical techniques, including the F-test, t-test, and determination coefficient test (Adjusted R²). The results of the research partially show that the variables of corporate social responsibility and customer experience have a significant effect on customer loyalty at PT. Bank Rakyat Indonesia (Persero), Tbk. However, green banking and service quality do not have a significant effect on customer loyalty to PT. Bank Rakyat Indonesia (Persero), Tbk.

Downloads

Download data is not yet available.

References

Agustina, A., & Miranti, T. (2024). the Influence of Green Loyalty: Could the Satisfaction and Gender Disturb It? Jurnal Tabarru’: Islamic Banking and Finance, 7(1), 236–248.
Amelia, R., Lestari, I., & Nasib. (2019). Keuangan & Perbankan (Nomor July 2020). CV. Sadari Anggota IKAPI Jawa Barat. https://www.academia.edu/download/63341955/Buku_Keuangan_Perbankan_Final20200517-129815-j80w6s.pdf
Andriani, A., Mulyana, D. F., Altydar, R. Y., Fajar, M. R., Indonesia, U. P., & Bandung, K. (2025). Analisis Perbandingan Preferensi Nasabah dalam Memilih Bank Syariah dan Bank Konvensional. Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak, 2(1).
Angela, N. M. U. T., Wajdi, M., Sanjaya, I. B., & Arbainah, S. (2022). Implementasi green marketing pada FiPuA. Journal of Commerce, Management, and Tourism Studies, 1(1), 21–35. https://doi.org/10.58881/jcmts.v1i1.1
Ardianto, R., Ramdhani, R. F., Apriliana Dewi, L. O., Prabowo, A., Saputri, Y. W., Lestari, A. S., & Hadi, N. (2024). Transformasi Digital dan Antisipasi Perubahan Ekonomi Global dalam Dunia Perbankan. MARAS: Jurnal Penelitian Multidisiplin, 2(1), 80–88. https://doi.org/10.60126/maras.v2i1.114
Arianto, N., & Nirwana, Y. K. (2021). Kualitas Pelayanan Terhadap Loyalitas Nasabah Dengan Kepuasan Nasabah Simpanan Sebagai Variabel Intervening. Jurnal Manajemen dan Bisnis Equlibrium, 7(2), 179–192. https://doi.org/https://doi.org/10.47329/jurnal_mbe.v7i2.658
Arthasari, M. S. R. (2025). Pengaruh Kualitas Pelayanan, Citra Perusahaan, Dan Kepercayaan Terhadap Loyalitas Nasabah Bri Unit Denbantas Kabupaten Tabanan [Universitas Pendidikan Ganesha.]. http://repo.undiksha.ac.id/id/eprint/22771
Ashlah, I., & Imaroh, M. (2024). Pengaruh Corporate Social Responsibility dan Corporate Image terhadap Loyalitas Nasabah BRI Cabang Jember. Jurnal Ekonomi dan Bisnis Islam (JEBI), 4(1), 42–53. https://doi.org/10.56013/jebi.v4i1.2690
Aslichah. (2024). Analysis of the Effectiveness of Corporate Social Responsibility (CSR) Programs on Customer Loyalty in the Banking Sector. ::Journal of Economic, Business and Accounting , 7(4).
Badri, J., & Sepriyanti, R. (2024). Pengaruh Kepercayaan Nasabah Dan Kualitas Pelayanan Terhadap Loyalitas Nasabah Menabung Di Bank Rakyat Indonesia Cabang Tapan. Ensiklopedia of Journal, 6(3), 48–57. https://jurnal.ensiklopediaku.org/ojs-2.4.8-3/index.php/ensiklopedia/article/view/2359/pdf
Blau, P. (1986). Exchange and Power in Social Life (2nd Editio). Routledge. https://doi.org/https://doi.org/10.4324/9780203792643
Bukhari, S. A. A., Hashim, F., Amran, A. Bin, & Hyder, K. (2020). Green Banking and Islam: two sides of the same coin. Journal of Islamic Marketing, 11(4), 977–1000. https://doi.org/10.1108/JIMA-09-2018-0154
Dewi, K., & Indudewi, Y. R. (2024). Green Banking Impact: Mediation of Green Image and Bank Trust on Bank Loyalty. Performa, 9(1), 1–19. https://doi.org/10.37715/jp.v9i1.4513
Djollong, A. F. (2014). Tehnik Pelaksanaan Penelitian Kuantitatif (Technique of Quantitative Research). Istiqra’ : Jurnal Pendidikan Dan Pemikiran Islam, 2(1), 86–100. https://jurnal.umpar.ac.id/index.php/istiqra/article/view/224
Farooq, O., Payaud, M., Merunka, D., & Valette-Florence, P. (2014). The Impact of Corporate Social Responsibility on Organizational Commitment: Exploring Multiple Mediation Mechanisms. Journal of Business Ethics, 125(4), 563–580. https://doi.org/https://doi.org/10.1007/s10551-013-1928-3
Gelderman, C. J., Schijns, J., Lambrechts, W., & Vijgen, S. (2021). Green marketing as an environmental practice: The impact on green satisfaction and green loyalty in a business-to-business context. Business Strategy and the Environment, 30(4), 2061–2076. https://doi.org/10.1002/bse.2732
Ghozali, I. (2018). Aplikasi Analisis Multivariate Dengan Program IBM SPSS 25. Badan Penerbit Universitas Diponegoro.
Gitomer, J. H. (1998). Customer Satisfaction is Worthless, Customer Loyalty is Priceless: How to Make Customers Love You, Keep Them Coming Back and Tell Everyone They Know. In 1 (Revised, hal. 288). Bard Press. https://doi.org/9781885167309
Griffin, J. (2005). Customer loyality, menumbuhkan dan mempertahankan kesetiaan pelanggan. Erlangga.
Guthrie, J., & Parker, L. D. (1990). Corporate Social Disclosure Practice: A Comparative International Analysis. Advances in Public Interest Accounting, 3(1), 159–175.
Hadi, H. A., Iin Apriliana, J., & Affan, U. (2024). Pengaruh Komitmen Csr Terhadap Loyalitas Konsumen Melalui Keperrcayaan Sebagai Variabel Intervening (Studi Kasus Nasabah Bank Rakyat Indonesia). Jurnal Kajian Ekonomi dan Bisnis, 19(1), 19–28. http://202.91.8.237/index.php/jurnal/article/view/185/101
Hanif, Wahyu Ningsih, N., & Iqbal, F. (2020). Green Banking Terhadap Profitabilitas Bank Umum Syariah Di Indonesia. Jurnal Ilmiah Keuangan dan Perbankan, 3(2), 86–99.
Hartiningsih, S. (2025). Pengaruh Corporate Social Responsibility, Terhadap Customer Loyalty Dengan Corporate Reputation, Customer Satisfaction Dan Customer Trust Sebagai Variabel Mediasi (Studi Kasus pada Nasabah Bank Syariah Indonesia KCP Demak Sultan Fattah). Universitas Islam Negeri Salatiga.
Hasan, A. (2013). Marketing dan Kasus-kasus Pilihan. CAPS (Center For Academic. Publishing Service). https://perpuskita.perpustakaandigital.com/detail/marketing-dan-kasus-kasus-pilihan/57824
Hasanah, N., Rizal, M., & Novianto, A. S. (2025). Pengaruh Spiritual Marketing, Sharia Compliance, Customer Experience Dan Digitalisasi Banking Terhadap Loyalitas Nasabah Bank Syariah Indonesia. E-Jurnal Riset Manajemen, 14(1), 951–958. https://jim.unisma.ac.id/index.php/jrm/article/view/27170
Hasanah, U. (2023). Corporate Social Responbility Dan Corporate Image, Customer Trust Terhadap Loyalitas Nasabah Melalui Customer Satisfaction Sebagai Variabel Mediasi [Uin Sunan Kalijaga Yogyakarta.]. https://digilib.uin-suka.ac.id/id/eprint/62814/
Hikmah, C. N., Abrar, & Yanuardi, M. H. (2020). Bank Pemerintah Pertama Republik Indonesia Pelengkap Kemerdekan : Nasionalisasi Bank Rakyat Indonesia di Purwokerto (1946-1950. Journal Unj, 2(1), 27–50.
Jannah, M., Hilal, S., & Supriyaningsih, O. (2025). Pengaruh Keamanan Dan Kualitas Pelayanan Terhadap Loyalitas Nasabah. journalpedia.com/1/index.php/ime, 7(1), 41–55. https://journalpedia.com/1/index.php/ime/article/view/3997/4176
Juliana, T. (2018). Pengaruh Green Banking Terhadap Kepuasan Dan Loyalitas Pelanggan Dalam Penggunaan Internet Banking (Studi Pada Nasabah Bank Syariah Mandiri cabang Thamrin yang Menggunakan Internet Banking). In Mercubuana Repository. Universitas Mercu Buana Jakarta.
Kenlarasati, A. (2024). Pengaruh Corporate Social Responsibility, Kualitas Layanan, Dan Citra Bank Terhadap Loyalitas Nasabah (Studi Kasus Pada Bank Syariah Indonesia Pekalongan) [Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan]. http://etheses.uingusdur.ac.id/10269/1/4220001_Cover_Bab I %26 Bab V.pdf
Khan, M. S., Hassan, N. ul, & Aslam, R. A. (2023). Green Brand Image and Green Brand Equity: Testing Mediating Role of Green Customer Satisfaction for Banks in Pakistan. Pakistan Journal of Humanities and Social Sciences, 11(2), 2697–2710. https://doi.org/10.52131/pjhss.2023.1102.0561
Kotler, P., & Keller, K. L. (2007). Manajemen pemasaran (ed. 12). Jakarta Indeks. http://kin.perpusnas.go.id/DisplayData.aspx?pId=41228&pRegionCode=UKWMS&pClientId=710
Laili, S. N. (2025). Pengaruh Service Quality, Customer Experience , dan brand image terhadap customer loyalty dengan customer satisfaction sebagai variabel mediasi: Studi pada nasabah PT Bank Syariah Indonesia, Tbk. KCP Mojokerto Gajah Mada [Universitas Islam Negeri Maulana Malik Ibrahim]. http://etheses.uin-malang.ac.id/id/eprint/72174
Lako, A. (2014). Green Economy : menghijaukan ekonomi bisnis dan akuntansi (S. Saat (ed.)). Jakarta : Erlangga.
Lindsay, & Evans. (2000). Membangun Kepuasan. RinekaCipta.
Lovelock, C., & Wright, L. (2007). Manajemen Pemasaran Jasa. In A. bahasa A. Widyantoro (Ed.), 1 (Cetakan Ke). PT Indeks.
Malinton, D., & Kampo, K. (2019). Pengaruh Moderasi Green Banking dalam Hubungan antara Corporate Social Responsibility dan Going Concern. Dinamika Akuntansi Keuangan dan Perbankan, 8(2), 117–133.
Mariah, M. (2017). Pengaruh Layanan Terhadap Laju Pertumbuhan Profit Dan Dampaknya Kepada Loyalitas Nasabah. Jurnal Riset Manajemen dan Bisnis (JRMB) Fakultas Ekonomi UNIAT, 2(3), 409–416. https://doi.org/10.36226/jrmb.v2i3.75
Meyer, C., & Schwager, A. (2007). Understanding costumer experience. USA Harvard Business Review, 1–12. https://hbr.org/2007/02/understanding-customer-experience
Monintja, H. W., Simbiak, Y. V. R., & Kawengian, M. G. (2024). Pengaruh Kualitas Layanan Bri Mobile Terhadap Kepuasan Nasabah Bank Bri Di Kota Manado. Jurnal Ilmiah EQUIL, 5(1).
Mowen, J. C., & Minor, M. (2002). Perilaku konsumen Jilid I. In 1 (5 ed., hal. 63). Erlangga.
Mukrima, N. A., Sulaiman, S., & Abdullah, I. (2025). Pengaruh Kualitas Pelayanan Karyawan Terhadap Loyalitas Nasabah Pada Bank Bri Unit Tassililu Kecamatan Sinjai Barat. Communnity Development Journal, 6(2), 2133–2141. https://jurnal.penerbitseval.com/jurnal/index.php/kompeten/article/view/181/131
Nabiela, R. (2024). Pengaruh Green Practices Dan Green Perceived Value Terhadap Green Loyalty Melalui Green Satisfaction Dengan Gender Sebagai Variabel Moderasi (Studi pada Bank Syariah di Indonesia) [Universitas Islam Negeri (Uin) Maulana Malik Ibrahim Malang]. http://etheses.uin-malang.ac.id/62603/1/200503110071.pdf
Nath, Vikas, Nayak, N., & dan Ankit Goel. (2014). Green Banking Practices-A Review. International Journal Of Research In Business Management, 2(4), 48. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2425108
Ningsih, K. S. W., & Sutedjo, B. (2024). Pengaruh Customer Value Dan Customer Experience Terhadap Purchase Intention Dan Terhadap Customer Satisfaction (Study Pada Pelanggan Produk Fashion Di E-Commerce Shopee). Jurnal Ilmiah Manajemen dan Akuntansi (MEA), 8(1), 339–352.
Novita, S. (2025). Analisis Hubungan Antara Corporate Social Responsibility (CSR) dan Loyalitas Pelanggan. Mutiara: Multidiciplinary Scientifict Journal, 3(2), 1–8. https://mutiara.al-makkipublisher.com/index.php/al/article/view/353/417
Octavia, H., & Hermi. (2014). Pengaruh Tanggung Jawab Sosial Perusahaan Terhadap Kinerja Perusahaan (Studi Empiris Pada Perusahaan Manufaktur Yang Tercatat Di Bursa Efek Indonesia Pada Tahun 2010 Dan 2011). E-Journal Akuntansi, 1(1), 41–49. https://e-journal.trisakti.ac.id/index.php/jat/article/view/4801
Octavia, R. (2019). Pengaruh Kualitas Pelayanan Dan Kepuasan Nasabah Terhadap Loyalitas Nasabah Pt. Bank Index Lampung. Jurnal Manajemen Pemasaran, 13(1), 35–39. https://doi.org/10.9744/pemasaran.13.1.35-39
Pahlevi, M. R., & Suhartanto, D. (2020). The Integrated Model of Green Loyalty: Evidence From Eco- Friendly Plastic Products. Journal of Cleaner Production, 257(1), 128–130. https://doi.org/10.1016/j.jclepro.2020.120844
Pawar, D., & Munuswamy, J. (2022). The Linkage Between Green Banking Practice and Green Loyalty: A Customer Perspective. Banks and Bank Systems, 17(3), 201–212. https://doi.org/10.21511/bbs.17(3).2022.17
Putra, A., Enas, E., & Herman, F. (2025). Pengaruh Kualitas Pelayanan Dan Kedekatan Emosional Terhadap Loyalitas Nasabah (Studi Kasus pada BNI Cabang Banjar). Journal of Management Review, 8(3). https://doi.org/http://dx.doi.org/10.25157/jmr.v8i3.7735
Putri, C. I. (2024). 6 Bank dengan Nasabah Terbanyak di Indonesia, Lebih dari 20% Populasi Indonesia! Inilah.com, 1. https://www.inilah.com/bank-dengan-nasabah-terbanyak-di-indonesia
Rafli, M., & Yunanto, M. (2024). Pengaruh Kualitas Layanan, Pengalaman Nasabah Terhadap Kepuasan Nasabah dan Dampaknya pada Loyalitas Nasabah Pengguna Mobile Banking Livin Mandiri. Syntax Literate ; Jurnal Ilmiah Indonesia, 9(5), 3182–3198. https://doi.org/10.36418/syntax-literate.v9i5.15331
Rahayu, S. S. (2020). Pengaruh Pengalaman Pelanggan dan Manfaat yang Dirasakan dari Internet Banking Terhadap Kepuasan Nasabah Bank Syariah di Surabaya dan Sidoarjo [Sekolah Tinggi Ilmu Ekonomi Perbanas Surabaya]. https://eprints.perbanas.ac.id/6516/46/ARTIKEL ILMIAH.pdf
Ramadhani, M. A., Fuady, I., & Koswara, I. (2024). Pengaruh Srategi Komunikasi Csr Bank Bri Meallui Aplikasi Brimo Terhadap Loyalitas Nasabah Di Kalangan Mahasiswa Unpad Psdku Melalui Media Kepercayaan Dan Kepuasan. HUMANUS: Jurnal Sosiohumaniora Nusantara, 2(1), 115–135. https://jurnal.yp2n.org/index.php/humanus/article/view/180/137
Ramdhony, M. T. A. (2025). Pengaruh Customer Relationship Management dan Kualitas Pelayanan terhadap Loyalitas Nasabah (Studi pada Nasabah Bank NTB Syariah Cabang Gerung). Jurnal Ilmiah Ekonomi dan Bisnis, 3(5), 1123–1136. https://jurnal.penerbitseval.com/jurnal/index.php/kompeten/article/view/181/131
Rofiki, A., & Nurhayati, N. (2020). Pengaruh Corporate Social Responsibility Dan Kualitas Pelayanan Terhadap Loyalitas Nasabah Melalui Sikap Nasabah (Studi Pada Bank Muamalat KC. Malang). J-MACC : Journal of Management and Accounting, 3(1), 83–96. https://doi.org/10.52166/j-macc.v3i1.1860
Sadewa, H. (2018). Analisis Proses Pelayanan Ijin Mendirikan BangunanDi Dinas Penanaman Modal dan Pelayanan Terpadu Satu PintuKota Semarang. Undip E-journal. https://ejournal3.undip.ac.id/index.php/jpgs/article/view/20241/19093
Said, A. L. (2018). Corporate Social Responsibility dalam Perspektif Governance. Deepublish.
Schmitt, B., Brakus, J., & Zarantonello, L. (2014). The current state and future of brand experience. In 21. J Brand Manag. https://doi.org/10.1057/bm.2014.34
Shaw, C., & Hamilton, R. (2016). The Intuitive Customer: 7 Imperatives For Moving Your Customer Experience to the Next Level. In 1 (hal. 216). Palgrave Macmillan UK. https://books.google.co.id/books?id=Ccv6sgEACAAJ
Soleha, U. M., & Sari, S. P. (2023). Analisis Corporate Social Responsibility dan Kualitas Pelayanan terhadap Loyalitas Nasabah di Bank Syariah Indonesia. Jurnal Pengabdian Masyarakat dan Riset …, 2(2), 105–113. http://jerkin.org/index.php/jerkin/article/view/211%0Ahttp://jerkin.org/index.php/jerkin/article/download/211/136
Sugiyono. (2016). Metode penelitian kuantitatif, kualitatif dan R dan D. In 308 (Cet. 23, hal. 334). Alfabeta. https://inlislite.uin-suska.ac.id/opac/detail-opac?id=19009
Sugiyono. (2019). Metodelogi Penelitian Kuantitatif dan Kualitatif Dan R&D. In 17 (hal. 804). Alfabeta.
Sulistyo, C. B. (2023). Peluang dan Tantangan Perbankan 2023. Kompas.id, 1. https://www.kompas.id/baca/opini/2022/12/07/peluang-dan-tantangan-perbankan-2023
Sun, H., Rabbani, M. R., Ahmad, N., Sial, M. S., Guping, C., Zia-Ud-din, M., & Fu, Q. (2020). Csr, co-creation and green consumer loyalty: Are green banking initiatives important? A moderated mediation approach from an emerging economy. Sustainability (Switzerland), 12(24), 1–22. https://doi.org/10.3390/su122410688
Sutanto, H., Handayani, S. D., & Susanto, S. (2021). Measuring Customer Loyalty and Satisfaction of Bank Bantul Using CRM and Service Quality. JBTI : Jurnal Bisnis : Teori dan Implementasi, 12(3), 172–183. https://doi.org/10.18196/jbti.v12i3.12765
Taher, G. I. (2024). Analisis strategi dan implementasi marketing communication antara perbankan konvensional dengan perbankan syariah. Jurnal Ilmu Komunikasi, 8(2), 279–296. https://doi.org/10.30596/ji.v8i2.19304
Tenriwaru. (2021). Kesejahteraan tanpa sekat : sebuah kritik terhadap akuntansi CSR (A. Syam (ed.)). TOHAR MEDIA. https://books.google.co.id/books?id=brpbEAAAQBAJ
Timm, P. R. (2013). Customer Service - Career Success Through Customer Loyalty - 6th Edition. In 1 (6th Editio, hal. 242). Pearson Education. https://www.scribd.com/document/698218948/Customer-Service-Career-Success-Through-Customer-Loyalty-6th-Edition-1
Tjiptono, F. (2014). Pemasaran Jasa: Prinsip, Penerapan dan Penelitian. January 2014, 5–6.
Ulwany, N. Z. (2024). Pengaruh Penerapan Green Banking Terhadap Loyalitas Nasabah Dalam Bertransaksi Di Bank Umum Syariah Dengan Kinerja Bank Sebagai Variabel Moderasi. In Repository Politeknik Negeri Jakarta. Politeknik Negeri Jakarta.
Vebiana, V. (2018). Perbankan Digital , Pengalaman Pelanggan, dan Kinerja Keuangan Bank Syariah. Prosiding Industrial Research Workshop and National Seminar, 9, 747–751. https://doi.org/10.35313/irwns.v9i0.1145
Wardani, N. kurnia. (2023). Pengaruh Pengalaman Nasabah Dan Kualitas Layanan Terhadap Loyalitas Nasabah Mobile Banking Pada Bank Syariah Indonesia Kantor Cabang Pembantu Ponorogo Cokroaminoto [Institut Agama Islam Negeri Ponorogo]. In Electronic Theses Institut Agama Islam Negeri Ponorogo. https://etheses.iainponorogo.ac.id/22430/
Widyananta, A. S., & Utomo, S. B. (2024). Pengaruh Kinerja Dan Kualitas Pelayanan Customer Service Terhadap Loyalitas Nasabah Pada Bank Bri Surabaya. Jurnal Ilmiah Manajemen dan Bisnis (JIMBis), 3(1), 13–27. https://doi.org/10.24034/jimbis.v3i1.6400
Winarto, A., & Andrew, R. (2025). Pengaruh Pengalaman Nasabah dan Kepuasan Nasabah terhadap Loyalitas Nasabah PT Bank Permata TBK. Jurnal Manajemen, Bisnis dan Akuntans, 4(1), 1–11. https://doi.org/https://doi.org/10.58192/profit.v4i1.2930
Published
2026-01-15
Section
Articles