The Impact of Service Quality and Profit-Sharing System on Customer Satisfaction Using Easy Mudharabah Savings Products (Study on Customers of Bank Syariah Indonesia Banjarbaru Branch Office)

: Islamic banks play an important role as facilitators in all economic activities including in the field of fund management. One of the products is Easy Mudharabah Savings. This research is field research with a quantitative approach that aims to determine the impact of service quality and the profit-sharing system on customer satisfaction. This research hypothesizes that service quality and the profit-sharing system are thought to influence the satisfaction of Easy Mudharabah savings customers. The population is 4,035 people, the sample is 100 people with the Probability Sampling technique. Data analysis in this study uses descriptive analysis and multiple linear regression. Based on Multiple Linear Regression calculations, the results of the F-test (Simultaneous), F-Count 17.522, and F-Table 2.36 were obtained with a significance level of 0.000 <0.10, meaning that simultaneous service quality (X1) and profit-sharing (X2) have a significant impact on customer satisfaction. Based on the results of the T-test analysis (Partial), the service quality variable (X1) T-count is 2.571 and T-table 1.661 with a significance level of 0.014 <0.10, meaning that there is a significant influence of service quality on customer satisfaction. Meanwhile, the profit-sharing variable (X2) T-count is 4.674 and T-table is 1.661 with a significance of 0.000 <0.10, meaning that there is a significant influence of service quality on customer satisfaction. The variables service quality (X1) and profit-sharing (X2) influence customer satisfaction (Y) by 67.9% while the remaining 32.1% is influenced by other variables outside this research.


INTRODUCTION
Economic activities in Indonesia have undergone rapid development.The enhancement of behavior based on Sharia principles by Muslim communities in all aspects of life necessitates the need for institutions to oversee such.Therefore, Islamic banks present a viable solution in the economic development of society.All economic transactions must comply with Sharia principles (Lola Malihah, 2023).All behavior based on Sharia principles is increasingly improved from all aspects of life by Muslim communities which requires institutions to oversee it.So present in Indonesia Islamic banks are the answer to economic development in society.All economic transactions to be carried out by Sharia principles (Sauqi & Muyasarah, 2023).
The emergence of Islamic banks is a breath of fresh air amid the problems of Muslim communities who want to break away from riba (Amalia et al., 2023).Sharia banks are business entities that collect public funds in the form of deposits and distribute them back to the community in the form of financing, whose business activities are carried out based on Sharia principles to improve the standard of living of the community (Yaya, 2014).Its operational principles in Islamic banks are based on the principles of profit sharing, buying and selling, rent (ijarah), and deposit (wadiah) (Inayah et al., 2023).
More and more institutions, institutions or companies make the competition tighter (Bahriah, 2023).The presence of Bank Syariah Indonesia (BSI) can facilitate the public in managing finances based on Sharia principles (Yaya, 2014).Islamic financial institutions offer various fund service products that are certainly by the principles and principles of Islamic economics (Inayah et al., 2023).Like Mudharabah Easy savings at BSI, it can be used to manage customer finances.involving two or more parties, namely the capital manager, namely the customer called Mudharib, with the capital owner, namely Bank Syariah Indonesia called Shahib al-mal, where the capital owner entrusts his capital to the capital manager by the agreement that has been determined at that time.early (Yaya, 2014).
Many things are considered by the public before deciding to choose to use products offered by Islamic financial institutions, one of which is the public perception of Islamic banks themselves (Dwiyanti, 2022).In addition, marketing strategies implemented by financial institutions will also influence consumer decisions (Susila, 2022) Service quality is one of the important factors for customers in deciding to open an easy Mudharabah savings account.In addition to the service factor, customers choose easy mudharabah savings over other savings such as wadiah is a profitsharing factor that can provide benefits for customers.Based on these factors, researchers want to dig deeper through research entitled The Effect of Service Quality and Profit-sharing System on Customer Satisfaction Using Easy Mudharabah Savings Products (Study on Customers of Bank Syariah Indonesia Banjarbaru Branch Office).

METHOD
Based on the type and source of data, this research is a field research with a quantitative approach.Quantitative research is research that uses data collection methods using instruments, and then the data that has been collected is analyzed to test hypotheses and others related to research results (Sugiyono, 2013).
Data analysis in this study uses descriptive analysis techniques and Multiple Linear Regression which are described with tables and graphs.The population in this study amounted to 4,035 customers based on information from Ibu Bunga Pertiwi as Funding Transaction Staff.Sampling in this study is Probability Sampling where all members of the population have the opportunity to be sampled.To take the number of samples from the population criteria, researchers use the Slovin formula, namely: n = N 1 + N (e) 2 n = sample size N = population size e = percent allowance for inaccuracy due to tolerable or desirable sampling errors, e.g.10%.
In this study, the data used were primary and secondary data.The author's primary data was collected directly from the results of the questionnaire distribution with respondents.The secondary data was obtained by the author from Bank Syariah Indonesia Banjarbaru Branch Office.The data collection technique in this study used a closed model questionnaire method because answers had been provided and Likert scales were used for measurements ranging from strongly agree to strongly disagree (Anwar, 2017).
In this study, data analysis used multiple linear regression which included instrumenT-tests, classical assumption tests, multiple linear regression, parameter significance tests, and coefficients of determination.

RESULT
In this study, the author conducted a descriptive quantitative analysis, namely by calculating questionnaire data consisting of 7 statements for variable Y, namely customer satisfaction, 9 statements for variable X1, namely service quality, and 9 statements for variable X2, namely profit sharing.The questionnaire was given to 100 customers as a sample in this study.

Service Quality Variabel
Data on the results of the service quality variable questionnaire can be presented in the following figure: Based on the graphic image above, it can be seen that in the service quality variable, there are still some aspects that have not been implemented optimally.

Profit-sharing Variables
The data from the questionnaire results of the profit-sharing variable can be presented in the following figure: Based on the picture above, it can be seen that in the profit-sharing variable there are still some aspects that have not been implemented optimally.

Nasabah Satisfaction Variabel
Data on the results of the variable questionnaire Customer satisfaction can be presented in the following figure: Based on the graphic image above, it can be seen that in the variable of customer satisfaction there are still several aspects that have not been implemented optimally.

DATA ANALYSIS 1. Test Validity
Validity of validity is to indicate the extent to which a measuring instrument can measure what it wants to measure (a valid measure if it successfully measures the phenomenon) (Muyasarah, 2023).The validity level test was carried out by comparing the calculated R-value with the R table for the degree of freedom (df) = n-2, in this study the number of samples (n) = 100 and the magnitude of df = 100 -2 = 98, and Alpha 0.10 obtained Rtable 0.165 (with a two-sided test).In this item a significant level of 10% Alpha coefficient .750then this value is compared with the R-value of the table with the value of N = 100 and obtained the R-value of the table of 0.165, which Croanbach Alpha > Rtable.From these results it can be concluded that the customer satisfaction instrument is reliable.

Test Classical Assumptions a. Data Normality Test
The normality test aims to test whether in the regression model, the dependent variable and the independent variable both have a normal distribution or not by looking at the Normal P-P Plot (Muhammad, 2018).This Can be shown in the following figure: Another way of normality testing can be done with the Kolmogrov-Smirnov Test.The sample of this study was tested by Kolmogrov-Smirnov testing using SPSS Version 29.0 to find out if the sample is a normal distribution type (Martono, 2015).The hypotheses to be tested in this study are: H0: Normal population distribution, if probability > 0.10, H0 is accepted.H1: The population distribution is abnormal, if the probability < 0.10, H0 is rejected.The results of the normality test with the Kolmogorov-Smirnov test can be shown in the following table: Based on the results of the normality test in the table above, a significant value was obtained in the Asimpy row.Sig (2-tailed) of 0.372 > 0.10, so it can be said that the data is normally distributed.

b. Heteroscedasticity Test
The heteroscedasticity test aims to test whether in the regression model there is an inequality of variance from the residual of one observation to another.A good regression model does not occur heteroscedasticity.The criterion for heteroscedasticity in a regression model is if the significance is < 0.10 which means that if the significance is > 0.10 the study can continue.The results of the Glejser Test can be shown in the following table: The results of the heteroscedasticity test in the table above, show that each independent variable obtained a p-value (sig-t) of > 0.10.For the service quality variable of 0.210 and the profit-sharing variable of 0.210 it can be concluded that there are no symptoms of heteroscedasticity.

c. Multicollinearity Test
The multicollinearity test aims to test whether in the regression model there is a correlation between independent variables (Lailin, 2022).A good regression model should not have correlations among independent variables.One way to detect the presence or absence of multicollinearity in the regression model can be seen from the value of tolerance and variance inflation factor (VIF) (Elma, 2021).The cut-off value commonly used to indicate multicollonearity is a tolerance value of < 0.10 or a VIF value of > 10 with a colinearity level of 0.95.The following are presented the results of the multicollinearity test.The results of the multicollinearity test in the table above, between independent variables show that the value of the Variance Inflation Factor (VIF) of each independent variable is not more than 10, namely the service quality variable of 1.051 and the profit-sharing variable of 1.051.In addition, the tolerance value of each variable is not less than 0.10, namely the service quality variable of 0.952 and the profit-sharing variable of 0.952.Thus, it can be said that between the two free varies, namely service quality and profit sharing, there are no symptoms of multicollinearity.So that all classical assumptions are fulfilled.

Multiple Linear Regression Test
This study used multiple linear regression to prove the research hypothesis.This analysis will use inputs based on data obtained from questionnaires.The following are presented the results of multiple linear regression tests.
From calculations using SPSS, the following results are obtained: α = 9,453 b1 = 0.177 b2 = 0.317 Based on the data above, it can be known from the results of regression analysis that a regression equation is obtained, namely: Y = 9.453 + 0.177 X1 + 0.317 X2 The multiple regression equation model means: The value of multiple linear regression analysis that is still in the form of numbers can be explained in easy-to-understand language as follows: a.A constant value of 9.453 means that if the variables of service quality (X1) and profit-sharing (X2) are constant or unchanged equal to zero, then customer satisfaction (Y) will be 9.453.b.The value of the regression coefficient X 1 of 0.177 shows that if the quality of service increases by 1 unit, it will result in an increase in customer satisfaction at BSI Banjarbaru Branch by 0.177.c.The value of the regression coefficient X2 of 0.317 shows that if the profitsharing increases by 1 (unit), it will result in increased customer satisfaction of Bank Syariah Indonesia Banjarbaru Branch Office by 0.317.

Test Parameter Significance a. Simultaneous Test (F-Test)
Simultaneous testing shows whether all independent or independent variables included in the model have an influence on the dependent or dependent variable.1.661) with a significance value of 0.000 < 0.10, so H0 was rejected and H1 was Accepted.This shows that profit-sharing has a partially significant impact on the satisfaction of Easy Mudharabah BSI savings customers at the Banjarbaru Branch Office.
The coefficient of determination is used to find out how large the percentage of the relationship between the independent variable and the dependent variable is.The percentage of influence of all independent variables on the value of the dependent variable can be seen from to size of the coefficient of determination (R2) (Ulfah et al., 2022).The coefficient of determination regression equation can be seen in the following table: Based on the table above, the coefficient of determination R2 (R Square) value is 0.679 or 67.9%.This shows that service quality and profit-sharing have an influence of 67.9% on satisfaction of Easy Mudharabah BSI KC Banjarbaru saving customers, while the remaining 32.1 is influenced by other variables outside this research.

CONCLUSION
Service quality and profit sharing, both simultaneously and partially, have a significant impact on the satisfaction of Easy Mudharabah BSI KC Banjarbaru saving customers.It can be seen by looking at the results of the F-test (simultaneous), F-Count 17.522 and F-Table 2.36 with a significance level of 0.000<0.10,meaning that simultaneous service quality (X1) and profit-sharing (X2) have a significant impact on customer satisfaction.The results of the T-test analysis (Partial), the service quality variable (X1) T-count is 2.571 and T-table 1.661 with a significance level of 0.014<0.10,meaning that there is a significant influence of service quality on customer satisfaction.On the other hand, the profit-sharing variable (X2) T-count is 4.674 and T-table is 1.661 with a significance of 0.000< 0.10, meaning the influence of service quality on customer satisfaction.The variables service quality (X1) and profit-sharing (X2) influence customer satisfaction (Y) by 67.9% while the remaining 32.1% is influenced by other variables outside this research.

Figure 1 .
Figure 1.Service Quality Graph Figure

Figure 3
Figure 3 Customer Satisfaction Graph

Figure 4
Figure 4 Normal P-plot of Regression Standardized ResidualFrom the figure above, it can be seen that the points spread around the diagonal line and follow the direction of the diagonal line, thus the regression model satisfies the assumption of normality because this research model is normally distributed.Another way of normality testing can be done with the Kolmogrov-Smirnov Test.The sample of this study was tested by Kolmogrov-Smirnov testing using SPSS Version 29.0 to find out if the sample is a normal distribution type(Martono, 2015).The hypotheses to be tested in this study are: H0: Normal population distribution, if probability > 0.10, H0 is accepted.H1: The population distribution is abnormal, if the probability < 0.10, H0 is rejected.The results of the normality test with the Kolmogorov-Smirnov test can be shown in the following table:

Table 2 .
Validity Test ResultsFrom the table above, it can be seen that the Rcount in the Corrected item total correlation column for each item has a greater and positive R count than the table R for df = 100-2 = 98 and Alpha 0.10 with a two-sided test obtained Rtable of 0.165, so it can be said that the indicators of the three variables X1, X2, and Y are valid.If Rcounts > Rtable (at a significant level of 10%) then it can be said to be reliable.b.If Rcounts < Rtable (at a significant level of 10%) then it can be said to be unreliable.Based on the results of respondents' answers, the reality test results for all variables are as follows: a. Service Quality Variable Reliability Testing (Dhiraj, 2013)'s Alpha estimate with the Statistical Program for Social Science (SPSS) program version 29.0.According to Sugiyono(Dhiraj, 2013)a variable is said to be reliable with the following conditions: a.

Table 3 .
Variable Reliability Test Results X1In this item the significant level of 10% Alpha coefficient is .532then this value is compared with the R-value of the table with the value N = 100 and obtained the R-value of the table of 0.165 which Croanbach Alpha > Rtable.So from these results it can be said that the service quality instrument is reliable.b.Variable Reliability Testing Revenue Sharing

Table 4 .
Variable Reliability Test Results X2On this item a significant level of 10% Alpha coefficient .648(then this value is compared with the R-value of the table with the value N = 100 and obtained the R-value of the table of 0.165, this means Croanbach Alpha > Rtable.So from these results it can be concluded that the profit-sharing instrument is reliable.c.Reliability Testing Of Customer Satisfaction Variabel

Table 5 .
Reliability Test Results of Variable Y

Table 9 .
Multiple Linear Regression Test Results

Table 10 .
SimultaneousFrom the ANOVA or FtesT-test, the calculated F value is 17.522 > F-Tableis 2.36 with a significant level of 0.000.Since the probability is much smaller than 0.10, H0 is rejected and H1 is accepted.This shows that simultaneously there is a significant influence of service quality and profit-sharing on customer satisfaction of Easy Mudharabah BSI Banjarbaru Branch savings.This test is carried out to determine the impact of the independent variable on the dependent variable partially or individually.Individually, the statistical test used is the T-test.To determine the significance, compare the probability value of 0.10 with the probability value of Sig with the basis of decision making as follows:

Table 11 .
Partial Test (T-test) rejected and H1 was accepted.This shows that the quality of service has a significant partial impact on customer satisfaction of with Easy Mudharabah BSI KC Banjarbaru savings.2) The Impact of Profit-sharing (X2) On Customer Satisfaction (Y)Based on the results of the T-test for the profit-sharing variable, T-count was obtained (4.674 > T-table