The Role of Customer Satisfaction in Mediating the Effect of Service Quality and Trust on Customer Loyalty at LPD Tanjung Benoa
DOI:
https://doi.org/10.38035/dijefa.v7i2.6773Keywords:
Service Quality, Trust, Customer Satisfaction, Customer LoyaltyAbstract
This study aims to analyze the role of customer satisfaction in mediating the influence of service quality and trust on customer loyalty at LPD Tanjung Benoa. The phenomenon of declining customer numbers and decreasing levels of customer satisfaction formed the basis for conducting this research. Customer loyalty is an important factor for the sustainability of financial institutions; therefore, service quality and trust need to be improved in order to create sustainable customer satisfaction. This study employed a quantitative approach with an explanatory research design. The population consisted of all loan and deposit customers of LPD Tanjung Benoa, totaling 1,242 customers. The sampling technique used was probability sampling with a simple random sampling method, resulting in a sample of 160 respondents. Data were collected through the distribution of questionnaires using a Likert scale. The data analysis technique used was Structural Equation Modeling based on Partial Least Square (PLS-SEM). The results showed that service quality has a positive and significant effect on customer loyalty, trust has a positive and significant effect on customer loyalty, and customer satisfaction has a positive and significant effect on customer loyalty. In addition, service quality and trust were also proven to have a positive and significant effect on customer satisfaction. Customer satisfaction was able to mediate the influence of service quality on customer loyalty and also mediate the influence of trust on customer loyalty at LPD Tanjung Benoa.
References
Afreza, C., & Wiyadi, W. (2024). Pengaruh Kualitas Pelayanan Dan Kepercayaan Terhadap Loyalitas Pelanggan Dimediasi Oleh Kepuasan Pelanggan Pada Pengguna Market Place Shopee. Jurnal Lentera Bisnis, 13(1), 105. https://doi.org/10.34127/jrlab.v13i1.1005
Ago, G., Mardiah, A., Suarmanayasa, I. N., & Anwar, A. (2025). Development of Micro, Small, and Medium Enterprises (MSMEs) as an Effort for Economic Recovery Post-COVID-19 Pandemic. International Journal of Economics (IJEC), 4(1), 387–395. https://doi.org/10.55299/ijec.v4i1.920
Alatyat, Z. A., Atiat, H. S., Al-Qatawneh, M. I., Alrahamneh, N. H. Y., Alzyadat, M. A., & Jalil, M. M. A. (2023). the Impact of Branding in Building and Enhancing Customer Loyalty for Banking Services: an Applied Study of Commercial Bank Customers in Jordan. International Journal of Professional Business Review, 8(4), 1–19. https://doi.org/10.26668/businessreview/2023.v8i4.1138
Al-Hujri, A., Al-Hakimi, M. A., Alshageri, S., Vasant Keshavrao, B., & Al Koliby, I. S. (2025). The impact of social media marketing activities on brand loyalty and awareness: the mediating role of customer satisfaction in Yemen’s telecom industry. Cogent Business and Management, 12(1). https://doi.org/10.1080/23311975.2025.2509793
Amiruddin, K., Paly, M. B., & Abdullah, M. W. (2023). Customer Loyalty Islamic Banks in Indonesia: Service Quality Which Mediated By Satisfaction and Customer Trust. International Journal of Professional Business Review, 8(4), 1–23. https://doi.org/10.26668/businessreview/2023.v8i4.1286
Ariasih, M. P., & Suarmanayasa, I. N. (2024). Fungsi Sosial Lembaga Perkreditan Desa (LPD) Sebagai Penggerak Utama Pembangunan Ekonomi Desa. Jesya, 7(2), 1236–1243. https://doi.org/10.36778/jesya.v7i2.1553
Arthasari, M. S. R., Telagawathi, N. L. W. S., & Trianasari. (2024). Pengaruh Kualitas Pelayanan, Citra Perusahaan, Dan Kepercayaan Terhadap Loyalitas Nasabah Bri Unit Denbantas. Journal of Economic, Business and Accounting, 7(6), 1892–1896.
Ashari, M. F., Siregar, Z. M. E., & Halim, A. (2023). The Influence of Service Quality, Taste, and Perceived Price on Customer Loyalty by Mediating Customer Satisfaction. Quantitative Economics and Management Studies, 4(3), 474–485. https://doi.org/10.35877/454ri.qems1631
Azizah, B. P., & Udayana, I. B. N. (2022). Pengaruh Kepercayaan Dan Kepuasan Terhadap Loyalitas Nasabah Bank Syariah. Jurnal Ilmiah Manajemen “E M O R,” 6(1), 88–100. https://doi.org/10.32529/jim.v6i1.1504
Cardoso, A., & Cardoso, M. (2024). Bank Reputation and Trust: Impact on Client Satisfaction and Loyalty for Portuguese Clients. Journal of Risk and Financial Management, 17(7). https://doi.org/10.3390/jrfm17070277
Chen, X., Miraz, M. H., Gazi, M. A. I., Rahaman, M. A., Habib, M. M., & Hossain, A. I. (2022). Factors affecting cryptocurrency adoption in digital business transactions: The mediating role of customer satisfaction. Technology in Society, 70(June), 102059. https://doi.org/10.1016/j.techsoc.2022.102059
Dandis, A. O., Wright, L. T., Wallace-Williams, D. M., Mukattash, I., Al Haj Eid, M., & Cai, H. (2021). Enhancing consumers’ self-reported loyalty intentions in Islamic Banks: The relationship between service quality and the mediating role of customer satisfaction. Cogent Business and Management, 8(1). https://doi.org/10.1080/23311975.2021.1892256
Dewantari, F., Telagawathi, N. L. W. S., & Widiastini, N. M. A. (2024). Peran Kepuasan Pelanggan Dalam Memediasi Kualitas Pelayanan Dan Kepercayaan Terhadap Loyalitas Nasabah Bri Di Kabupaten Buleleng. JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis Dan Inovasi Universitas Sam Ratulangi)., 11(1), 160–173.
Dewi, I. A. U., Jaya, I. K. A. N. A., & Digita, I. D. K. L. (2022). Sistem informasi geografis (SIG) sebaran LPD di Kota Denpasar berbasis web menggunakan framework laravel. Kumpulan Artikel Mahasiswa Pendidikan Teknik Informatika (KARMAPAT), 2(3), 224–232.
Dewi, N. P. N. A., Hartati, P. S., & Suputra, G. A. (2021). Pengaruh Service Quality dan CRM (Customer Relationship Marketing) terhadap Kepuasan Nasabah pada LPD Desa Pakraman Peraupan, Denpasar Utara. Widya Amrita, 1(1), 77–85. https://doi.org/10.32795/widyaamrita.v1i1.1148
Do, A. D., Ha, D. L., Pham, M. T., Khuat, M. A. T., Le, V. A. T., Nguyen, D. N. D., & La, T. Q. (2025). Impacts of e-RLSQ on repurchase intention in Vietnam’s e-commerce market: The mediating role of customer satisfaction and trust. International Journal of Information Management Data Insights, 5(2), 100346. https://doi.org/10.1016/j.jjimei.2025.100346
Fajar, N. M. A. P. (2022). Pengaturan Kewenangan Pengawasan Lembaga Perkreditan Desa (Lpd) Pekraman Desa Adat Di Bali. Jurnal Yustitia, 16(1), 45–53. https://doi.org/10.62279/yustitia.v16i1.899
Gunawan, I. M., Rahmawati, P. I., & Widiastini, N. M. A. (2023). Strategi Pengembangan dan Pengelolaan UMKM Kerajinan Tenun Cagcag pada Masa Pandemi Di Desa Pejeng Kangin. Doctoral Dissertation, Universitas Pendidikan Ganesha, 5(1), 6.
Gunawan, K. A., & Putra, K. E. S. (2024). Pengaruh Kualitas Pelayanan dan Kepercayaan Terhadap Kepuasan Anggota Koperasi. Jurnal Manajemen Dan Bisnis, 6(60), 598–605. https://ejournal.unhi.ac.id/index.php/widyaamrita/article/view/4504/2557
Hameed, I., Chatterjee, R. S., Zainab, B., Tzhe, A. X., Yee, L. S., & Khan, K. (2024). Navigating loyalty and trust in the skies: The mediating role of customer satisfaction and image for sustainable airlines. Sustainable Futures, 8(August), 100299. https://doi.org/10.1016/j.sftr.2024.100299
Hanif, R., Astuti, W., & Sunardi, S. (2024). The Mediating Role of Customer Satisfaction in the Effect of Perceived Enjoyment on Customer Trust In Online Investment Application. Innovation Business Management and Accounting Journal, 3(1), 18–29. https://doi.org/doi.org/10.56070/ibmaj.2024.003
Hidayat, A., Wijaya, T., Ishak, A., & Endi Catyanadika, P. (2021). Consumer trust as the antecedent of online consumer purchase decision. Information (Switzerland), 12(4), 1–10. https://doi.org/10.3390/info12040145
Hidayat, M. A., Rasyid, A., & Pasolo, F. (2024). Service Quality on Customer Loyalty: Mediation of Customer Satisfaction. Advances in Business & Industrial Marketing Research, 2(3), 150–163. https://doi.org/10.60079/abim.v2i3.158
Ismayanti, K. K., Suarmanayasa, I. N., & Meitriana, M. A. (2025). Customer Satisfaction and Local Economic Strength: Evidence from Village Credit Institution (LPD) in Banyuning Traditional Village, Buleleng. International Journal of Economics Development Research (IJEDR), 6(3), 1252–1262. https://doi.org/10.37385/ijedr.v6i3.7852
Kadek Liyana Dwi Pradnyani Raditya, & I Nyoman Putra Yasa. (2022). Pengaruh Tingkat Pendidikan, Kebermanfaatan Dan Kemudahan Teknologi Informasi Terhadap Efektivitas Penggunaan Sistem Informasi Akuntansi Pada Lembaga Perkreditan Desa (LPD) Di Kecamatan Tabanan. JIMAT (Jurnal Ilmiah Mahasiswa Akuntansi ), 13.
Kariyani, N. N. Y., & Meitriana, M. A. (2022). Pengaruh Tingkat Pendidikan, Modal dan Teknologi Terhadap Daya Saing Usaha Mikro, Kecil dan Menengah (UMKM) di Kecamatan Sawan. Jurnal Pendidikan Ekonomi Undiksha, 14(1), 1–11. https://doi.org/10.23887/jjpe.v14i1.36385
Kim, L., Jindabot, T., & Yeo, S. F. (2024). Understanding customer loyalty in banking industry: A systematic review and meta analysis. Heliyon, 10(17), e36619. https://doi.org/10.1016/j.heliyon.2024.e36619
Kurniyawati1, E., & Ratno, F. A. (2020). Pengaruh Kualitas Layanan dan Penanganan Keluhan terhadap Loyalitas Nasabah dengan Kepuasan sebagai Variabel Intervening (Studi Kasus BPRS Suriyah Cabang Salatiga). Jurnal BAABU AL-ILMI: Ekonomi Dan Perbankan Syariah, 5(2), 142–152. https://doi.org/10.29300/ba.v5i2.3504
Lolemo, S. E., & Pandya, H. B. (2025). Customer e-satisfaction as a mediator between e-service quality, brand image, and e-loyalty: Insights from Ethiopian digital banking technology. Journal of Digital Economy, 4(May), 1–15. https://doi.org/10.1016/j.jdec.2025.05.005
Mahaputra, I. M. G., & Susanti, N. W. (2023). Transformasi Peran LPD dalam Perekonomian Masyarakat Bali. Jurnal Keuangan Desa, 5(2), 15–27.
Monika, N. P. S., & Telagawathi, N. L. W. S. (2024). Pengaruh Kualitas Pelayanan dan Kepuasan Pelanggan terhadap Loyalitas Pelanggan pada Jasa Service Motor Edie Arta Singaraja. Bisma: Jurnal Manajemen, 10(1), 68–74. https://doi.org/10.23887/bjm.v10i1.64687
Mufayidah, S. N., & Firmansyah, F. (2025). The Effect Of Corporate Image And Trust On Customer Loyalty With Customer Satisfaction As An Intervening Variable (Study at the Indonesian Sharia Bank, Mojokerto Branch Office, Gajah Mada). International Journal of Economic Literature (INJOLE), 3(3), 808–826. https://injole.joln.org/index.php/ijle/article/view/413/485
Mugova, S., Kiliswa, N. G., & Mashizha, M. (2025). The mediating role of customer satisfaction in the relationship between service quality and customer loyalty in multi-channel retail banking. Cogent Business and Management, 12(1). https://doi.org/10.1080/23311975.2025.2514937
Muliyati, M., & Jaya, R. (2025). Customer Satisfaction as a Mediator of Service Quality and Perceived Value in Building Customer Trust. Jurnal Ilmiah Manajemen Kesatuan, 13(3), 1871–1880. https://doi.org/10.37641/jimkes.v13i3.3333
Nigatu, A. G., Belete, A. A., & Habtie, G. M. (2023). Effects of automated teller machine service quality on customer satisfaction: Evidence from commercial bank of Ethiopia. Heliyon, 9(8), e19132. https://doi.org/10.1016/j.heliyon.2023.e19132
Purba, Z. I. H., & Talumantak, R. (2023). Pengaruh Kualitas Pelayanan, Kepercayaan, Citra Perusahaan Terhadap Kepuasan Nasabah Di BCA EXPRESS Met Mall Cibubur. Jurnal Publikasi Ilmu Manajemen Dan E-Commerce, 2(3), 232–256.
Putra, G. ., & Suarmanayasa, I. . (2023). Pengaruh Kualitas Pelayanan Terhadap Loyalitas Nasabah Dengan Kepuasan Sebagai Variabel Mediasi Pada Pt. Bpr Suryajaya Kubutambahan. Bisma: Jurnal Manajemen, 9(3), 249–258.
Putra, I. D. G. N. M., Telagawathi, N. L. W. S., & Suwena, K. R. (2025). Customer Satisfaction Sebagai Mediator Pengaruh Kualitas Pelayanan dan Persepsi Nilai Terhadap Loyalitas Mahasiswa. 13(2), 76–96. https://doi.org/https://doi.org/10.20527/jwm.v13i2.364
Putra, I. K. A. M., Wimba, I. G. A., & Susanti, P. H. (2021). Pengaruh Kualitas Pelayanan terhadap Loyalitas Pelanggan melalui Kepuasan Pelanggan sebagai Variabel Mediasi pada CV. Jaya Utama Teknik di Kabupaten Badung. Jurnal Manajemen, Kewirausahaan Dan Pariwisata, 1(4), 1279–1291.
Rinaldo, J., Fidaus, T. R., & Simatupang, R. I. S. (2022). Analisis Pengaruh Kualitas Layanan Terhadap Kepuasan Nasabah Di Bank Bri Cabang Padang. Jurnal Matua, 4(3), 643–654. https://ejurnal-unespadang.ac.id/index.php/MJ/article/view/722/715
Rouf, M. A., Begum, H., & Babu, M. A. (2024). Customer Trust and Satisfaction: Insights from Mobile Banking Sector in Bangladesh. International Journal of Science and Business, 34(1), 117–131. https://doi.org/10.58970/ijsb.2339
Saputra, K. A., & Sugiati, G. A. (2023). The Role of Customer Satisfaction Mediates The Effect of Service Quality on Customer Loyalty in Online Transportation. Jurnal Ekonomi & Bisnis JAGADITHA, 10(2), 192–199. https://doi.org/10.22225/jj.10.2.2023.192-199
Septivianto, B., & Sarwoko, E. (2024). The Influence of Service Quality on Customer Loyalty through Customer Satisfaction Mediation. Journal La Bisecoman, 5(3), 351–364. https://doi.org/10.37899/journallabisecoman.v5i3.1295
Siddiqi, K. O., Rahman, J., Tanchangya, T., Rahman, H., Esquivias, M. A., & Rahman, H. (2024). Investigating the factors influencing customer loyalty and the mediating effect of customer satisfaction in online food delivery services: empirical evidence from an emerging market. Cogent Business and Management, 11(1). https://doi.org/10.1080/23311975.2024.2431188
Solehatin, F., & Khusnudin. (2024). the Influence of Service Quality, Product Quality, and Customer Relationship Management on Customer Loyalty of Bank Muamalat Malang City. Jurnal Perbankan Syariah, 10(2), 140.
Telagawathi, N. L. W. S., Suci, N. M., & Heryanda, K. K. (2021). Implikasi Kewirausahaan Terhadap Digitalisasi Ekonomi Dan Ekonomi Kemanusiaan Umkm Kerajinan Tenun Ikat Di Provinsi Bali. Jurnal Ilmiah Manajemen, 11(2), 228–240.
Vijay, J. (2025). the Expectation Confirmation Theory: a Service Perspective. SSRN Electronic Journal, I, 10–18. https://doi.org/10.2139/ssrn.5288999
Viola, E. G., Wahyudi, E., Karyadi, H., & Dwimahendrawan, A. (2024). Pengaruh Kualitas Pelayanan dan Kepuasan Nasabah Terhadap Loyalitas Nasabah. Jurnal Strategi Dan Bisnis, 12(1), 93. https://doi.org/10.19184/jsb.v12i1.45406
Widarsini, N. K. A. (2023). Pengaruh Kualitas Pelayanan dan Kepercayaan terhadap Loyalitas Nasabah Lembaga Perkreditan Desa. Jurnal Manajemen, Kewirausahaan Dan Pariwisata, 3(11), 2100–2112.
Widiantara, K., Ustriyana, I. N. G., & Djelantik, A. A. A. W. S. (2022). Pengaruh Kepercayaan, Citra Perusahaan, Dan Promosi Penjualan Terhadap Kepuasan Nasabah Lembaga Perkreditan Desa Lpd Desa Pakraman Guwang Kabupaten Gianyar. Jurnal Agribisnis Dan Agrowisata (Journal Of Agribusiness And Agritourism), 11(1), 445. Https://Doi.Org/10.24843/Jaa.2022.v11.i01.p41
Widnyana, I. W., & Suarmanayasa, I. N. (2021). Pengaruh Kualitas Pelayanan Terhadap Loyalitas Nasabah Dengan Kepuasan Sebagai Variabel Mediasi Pada Lpd. Bisma: Jurnal Manajemen, 7(2), 181–191. https://doi.org/10.23887/bjm.v9i3.62146
Winasih, T., & Hakim, L. (2021). Peran Kepuasan Sebagai Variabel Mediasi Kualitas Layanan dan Kepercayaan Nasabah terhadap Loyalitas Nasabah Bank Syariah. IQTISHADIA Jurnal Ekonomi & Perbankan Syariah, 8(2), 205–221. https://doi.org/10.19105/iqtishadia.v8i2.4152
Windarko, W., Sayyidan, R. M., & Gani, F. P. (2024). Pengaruh Self-Service Technology, Kualitas Pelayanan dan Promosi Terhadap Loyalitas dengan Kepuasan Sebagai Variabel Mediasi (Studi Kasus Pada Pelanggan McDonald di Tangerang Raya). Social, Humanities, and Educational Studies (SHES): Conference Series, 7(2), 514–528. https://doi.org/10.20961/shes.v7i2.86921
Yolanda, C. (2024). Peran Usaha Mikro, Kecil Dan Menengah (UMKM) Dalam Pengembangan Ekonomi Indonesia. Jurnal Manajemen Dan Bisnis, 2(3), 170–186. https://doi.org/10.36490/jmdb.v2i3.1147
Zhao, H., Yao, X., Liu, Z., & Yang, Q. (2021). Impact of Pricing and Product Information on Consumer Buying Behavior With Customer Satisfaction in a Mediating Role. Frontiers in Psychology, 12(December), 1–11. https://doi.org/10.3389/fpsyg.2021.720151
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 Mensen Mone Hae, Ni Luh Wayan Sayang Telagawathi, Ni Made Ary Widiastini

This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors who publish their manuscripts in this journal agree to the following conditions:
- The copyright on each article belongs to the author(s).
- The author acknowledges that the Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) has the right to be the first to publish with a Creative Commons Attribution 4.0 International license (Attribution 4.0 International (CC BY 4.0).
- Authors can submit articles separately, arrange for the non-exclusive distribution of manuscripts that have been published in this journal into other versions (e.g., sent to the author's institutional repository, publication into books, etc.), by acknowledging that the manuscript has been published for the first time in the Dinasti International Journal of Economics, Finance & Accounting (DIJEFA).










































