Purpose: This research analyzes the business phenomenon of PT. Pegadaian Syariah (Persero) Tbk. in Jambi province, in which the problem is how to build customer satisfaction to achieve the company goal. This research is designed to analyze the effect of service quality on customer satisfaction. This research aims to find answers to the flow of service quality performance. In addition, the modeling in this study also aims to provide a critical understanding of the concept and measurement of customer relationship management.Design/Method/Approach: This research used a descriptive analysis approach and a quantitative method to test the variables by using hypothesis testing. The research subjects were 110 customers of PT. Pegadaian Syariah (Persero) Tbk. of Jambi Province. To analyze the data, researchers used the Structural Equation Model (SEM) by using Amos 22 computer program.Findings: The results showed that service quality had a positive and significant effect on customer satisfaction. This study provides a contribution that strengthens the justification of previous research in which this research develops the effect of service quality by expanding the study on customer satisfaction.Originality/Values: The novelty of the study is identified from the issue which is studied consistently and the place of the research.

Purpose: This research was conducted at BRI Syariah KCP Muara Bungo, this was done because the researchers wanted to find out the influence of customer preferences using qardh and muarabah products with sharia system variables, products, services, places / locations and promotions to customer preferences at BRI Syariah KCP Muara Bungo.Design/Method/Approach:. This study uses a descriptive analysis approach and quantitative methods with the aim of examining the influence between variables studied through hypothesis testing. This study uses the Slovin formula to obtain sample sizes, for data analysis methods using multiple linear regression equation models. The assistance used is the SPSS statistical data processing program version 21.00. windows.Findings: The results showed that overall (simultaneous) there was a significant influence between variables consisting of sharia system variables, products, services, places / locations and promotions to customer preferences in BRI Syariah Muara Bungo KCP. While the variable that has the most influence is promotion (X5), because it has the highest regression coefficient.Originality/Values: Novelty of the study identified from issue studied constitently, and also place of where the study researched.

Purpose: Altogether, this study seeks to decrease the gaps left by previous studies that did not address the default policy on the risk of non-performing financing. The purpose of this research is to learn about the process of write off (WO) account settlement in Islamic Banking as well as the loss sharing policy at PT. Bank Mega Syariah.Design/Method/Approach: The researcher utilized a qualitative descriptive approach in this study. This approach is used because the researcher requires only information, explanations, and oral information to compile this research. The data were collected through observation and direct interviews with the research object and documentation.Findings: It can be concluded that there are many stages and processes in the settlement of Write Off (WO) accounts at Bank Mega Syariah KC (Ind. Kantor Cabang, Brach Office) Jambi, including Partial Payments, Gradual Payments, Full Payments, Auctions, Voluntary Guarantees Sales, and through Religious Courts/Local Courts. Bank Mega Syariah hopes that the settlement process can be carried out through Voluntary Guarantee Sale (Ind. Jual Jaminan Sukarela - JJSR) rather than auction or other media. The bank also does not anticipate using auction media in the settlement process because, in addition to being difficult to find potential buyers, the price offered is not in line with what customers expect. Cut Loss policy or cuts below the main outstanding is a policy offered by Bank Mega Syariah to assist in goodness. One of them offers a repayment discount that is less than the outstanding principal (Cut Loss). In addition to being given a discount below the outstanding principal, Bank Mega Syariah KC Jambi also provides easy returns for customers who wish to pay off debts. Repayments that have been approved by the Board of Directors can be paid off in stages within period of 3 (three) months since the approval of the proposed Gradual Cut Loss Memorandum.Originality/Values: The researcher hopes that the findings of this study can help to decrease the gaps left by previous studies that did not address the default policy on the risk of non-performing financing and will help banks make decisions that are mutually lenient.