ISLAMIC MARKETER ETHICS AND ITS IMPACT ON CUSTOMER SATISFACTION IN THE ISLAMIC BANKING INSTITUTION : A CASE STUDY OF BANK MUAMALAT INDONESIA

The aim of this study is to know the influence of Islamic marketer ethics to customers’ satisfaction of Bank Muamalat Indonesia (BMI). These ethics principally concern on Qur’an and Hadith which are the basic foundation of Islamic values in Islam. Through this study we also can use another perspective of giving customer satisfaction in Islamic way and find out that there is a causal relation between Islamic marketer ethics and customer satisfaction. The research method used is survey method with sampling method using purposive sampling. Data analysis using multiple linear regression. From the results, it is found that Islamic marketer ethics as independent variables simultaneously effect on customer satisfaction, while partially some of variables refuse the hypothesis

Islamic banking is banking activity that complies with sharia (Islamic law) and its practical application through the development of Islamic economics.Sharia prohibits riba, or usury, defined as interest paid on all loans of money (Farooq, 2009;Khan 2013).Investment in businesses that provide goods or services considered contrary to Islamic principles (e.g.pork or alcohol) is also haraam ("sinful and prohibited").In the late 20th century as part of the revival of Islamic identity (Usmani, 1998), a number of Islamic banks formed to apply these principles to private or semi-private commercial institutions within the Muslim community (Rammal and Zurbruegg, 2007;Saeed, 1996).In 2009, at least more than 300 banks dan 250 mutual funds around the world complying with Islamic principles (The Economist, 2009) and around $2 trillion were sharia-compliant by 2014 (The Economist, 2014).
Although the notion of Islamic banking is relatively new, which is no more than two decades, it still attracts the attention of many investors around the world.From a strategic point of view, this novelty is profitable and unfortunate at the same time.Thus, on the positive side, being a new idea, sharia banking has the potential to attract new customers and consequently, increasing market share of banks (Hassan et al., 2008).Siddiqi (1980) and Shahul (2001) say that sharia banks as business institutions running on the basis of Islamic principles should not be directed to generate maximum profit.As a business institution Islamic banks should be directed to achieve success in the world and in the afterlife (Siddiqi, 1980, andShahul, 2001).Sadeque (1980) defines a Sharia bank as a financial institution operating on the basis of Shariah principles and does not always use the instrument of interest in receiving funds or providing financing to third parties.Therefore, according to Suleiman (2000), Sharia banks must operate on the basis of Sharia principles in every activity and transactions conducted.
A study conducted by Turen (1996) on bank performance shows that sharia banks perform better than non-Islamic banks.Samad and Hassan (2009) found that sharia banks are more liquid and less risky than conventional banks.The results are different from Rashid and Nishat (2009) who found poor performance of sharia banks in the field of investor management, profit maximization and operating efficiency.However, Sumachdar & Hasbi (2011) and Jaffar & Manarvi (2011) both found that sharia banks performed better than conventional banks.Hasbi and Haruman (2011) also found that Sharia Banking performed well; reflect CAMEL on the Deposit Fund.Kuppusamy et al., (2010) using financial indicators and indicators of sharia profitability, found that Islamic banks have maintained a very good position and have become benchmark institutions.While Masruki et al. (2011) found that the profitability of conventional banks is higher than that of sharia banks, but Islamic banks are more liquid than conventional banks.Widagdo and Ika (2008) used inter-temporal comparisons and interbank ratios to test bank performance and the results found no major differences between sharia banks and conventional banks.

LITERATURE REVIEW
The major of the marketing literatures generally agrees on the benefits derived by product or service providers, policy makers, social activists or even consumers.Most of the priorities are advantages for product or service providers or marketers (Walters, 1974;Mowen, 1995;Hoyer and MacInnis, 2001;Schiffman and Kanuk, 2004;Suprapti, 2010).This is because the ultimate goal of any marketing activity is consumer satisfaction as well as the benefits gained (marketer); including in sharia marketing.
Sharia marketing is a business process and a way to market its process that puts forward values that glorify justice and honesty (Kartajaya and Sula, 2006).With sharia marketing, the whole process should not be in conflict with Islamic principles.Sharia marketing is also followed by its ethics.These ethics are the principle for a Shariah marketer in carrying out marketing functions.Saeed et al. (2001) argue that ethical based on Islamic values requires marketers in no circumstances to exploit customers or to be dishonest and deceptive.Ethics are the conventional rules of individual behavior in a civilized society, formal or civic order of birth to govern interpersonal relationships, in accordance with their respective social status (Ya'qub, 1985; Spence and Heekeren, 2005;Faisal, 2007).Schlegelmilch (1998) further argues that ethics is difficult to define because the fact that it cannot be measured directly and derives from many influences such as the influence of internal and external environments.
Marketing based on Islamic perspective can be defined as a process and strategy (hikmah) to meet the need through the halal products and services (tayyibat) by mutual consent and welfare (Falah) of both parties of buyer and seller to achieve material and the spiritual wealth in the world and the hereafter (Alom and Haque, 2011).
Kartajaya and Sula (2006) reveal 9 (nine) marketer's ethics, which will become the principles for Shariah marketers in carrying out marketing functions: 1) Have a spiritual personality (Takwa).Religious values are present in the midst of us when doing business transactions; 2) Be kind and sympathetic (Shidq).A Shariah marketer must behave; Very sympathetic, sweet-spoken, humble words; 3) Applies fairly in business (Al-'Adl).In modern business, fairness must be portrayed for all stakeholders, all must feel justice; 4) Be serving and humble (Khidmah).Service is the most important factor in a business.Whatever the core of our business, stakeholders must always be aware that their business is a service business; 5) Keeping promises and not cheating.A Shariah marketer, must be able to maintain the trust given to him as a representative of the company in marketing and promoting products to customers; 6) Honest and reliable (Al-Amanah).Sharia business does seem to be hard for those who are accustomed to cheating, but it is light for those who rarely cheat, as well as for professionals who commonly uphold moral values; 7) Do not negative (Su'uzh-zhann).No one entrepreneur should vilify other entrepreneurs, only motivate business competition; 8) Do not backbiting (Ghibah).For sharia marketers, ghibah is a futile act, and a waste of time.It would be better for him to spill all his time to work professionally; 9) Do not bribe (Risywah).In shariah, bribe is haraam, and bribe is included in the category of eating other people's treasures by vanity.
As the empirical study has been conducted by raising the issue of Islamic financial institutions (Omer, 1992 (Nuralam, 2016) this study also rely on the ethics of Sharia marketers associated with customer satisfaction.Crosby et al. (1990) says that contact between the marketer and the consumer is the foundation in a consumer's purchase decision.Theorists such as Shepherd (1999) add that companies should emphasize the process of such relationships as critical points in business.Furthermore, in a study conducted by Hassan et al. (2008) mentions the term Customer Relationship Advisor (CRA) as a representation of bank institutions associated with the consumer.

METHODS OF RESEARCH
The study used a quantitative research methods since the purpose is to explain the correlation among variables syariah marketer ethics (Kartajaya and Sula, 2006) on customer satisfaction.The objective of quantitative research is to develop and employ mathematical models, theories and hypotheses pertaining to phenomena (Given, 2008).The variables syariah marketer ethics are have a spiritual personality (Takwa), be kind and sympathetic (Shidq), Applies fairly in business (Al-'Adl), Be serving and humble (Khidmah), Keeping promises and not cheating, Honest and reliable (Al-Amanah), Do not negative (Su'uzhzhann), Do not backbiting (Ghibah), Do not bribe (Risywah).The location of this research at Bank Muamalat Indonesia (BMI) Malang Branch, Jawa Timur.To look for these influences, there is a hypothesis to be tested.The hypothesis testing is done to test the influence of Shariah Marketer Ethics to the satisfaction (Kartajaya and Sula, 2006).To examine the relationship between these variables, regression analysis was used.The research framework is presented in Fig 1.

RESULTS AND DISCUSSION
This survey method conducted in the environment of Bank Muamalat Indonesia (BMI) Malang Branch.The sampling technique used is Purposive Sampling (Sekaran & Bougie, 2016), which is the selection of the sample based on certain characteristics considered to be related to the previously known characteristic of the popover.According to Hoeber et al. (2017) purposive sampling is a sampling technique used in researches that prioritize the purpose of research rather than the nature of the population in determining the sample research.Then the respondents selected in this study is with the characteristics of 1) Has been use the products for approximately 6 months; 2) Has been use one of Bank Muamalat Indonesia's products.The sample used in this study was 136 respondents, referring to the population and purposive sampling.
The data used in this regression analysis is data obtained based on the results of questionnaires distributed to customers of Bank Muamalat Indonesia (BMI) Malang Branch with services perceived by customers or the reality encountered in the field.Based on the regression analysis, get the equation: Based on the equation of regression analysis result, the interpretation obtained: 1.The higher value on the variables X 2 , X 3 , X 4 , X 6 , and X 9 , the higher the Satisfaction (Y) felt by the customers of Bank Muamalat Indonesia (BMI) Branch Malang.In other words, the relationship of these variables is positive and unidirectional.2. Otherwise the higher value on the variables X 1 , X 5 , X 7 , and X 8 , the lower the Satisfaction (Y) felt by the customers of Bank Muamalat Indonesia (BMI) Malang Branch.In other words, the relationship of these variables is negative and contradictory.3. Coeffisient of determination (Adjusted R Square) of 0.469 which means the variable X 1 -X 9 able to explain the model of 46.9% while the rest (53.1%) is explained by other variables that are not contained in this regression model.4. F-test (overall test).It is known that the significance level of 0.000 and smaller than 0.05 (0.000 <0.05), it can be concluded that the independent variables (X 1 -X 9 ) simultaneously affect the dependent variable (Y).The relationship between X 1 -X 9 and Y variables can be seen on the correlation coefficient (R), which is positive is 0.710 which means the relationship of the variable is unidirectional and strong.Where the higher the ethics of sharia market, the higher the level of satisfaction.

T-test (partial test).
Based on the number of significance can be seen that there are independent variables that partially significant effect on satisfaction, if significance <0.05, but there is also a partial no significant effect on satisfaction, if significance > 0.05.6.The rejection of the hypothesis is based on the lack of perceived variables by the customer.Although the performance of these variables is good enough, but customers can not feel the impact directly.This is due to the lack of customer understanding about the ethics of sharia marketers run by Bank Muamalat Indonesia (BMI) Malang Branch.What has been felt directly by customers of Bank Muamalat Indonesia (BMI) Malang Branch is the services provided by the bank, so that the ethics of sharia marketers with respect to services that is Variable X 2 (behave kindly and sympathetic) Sharia is a very perceived syariah marketer By the customer directly.

RESEARCH LIMITATION
The existence of an opportunity error of the use of a particular indicator to measure the variables concerned because of the difficulty of drawing firm limits between variables with each other.This research is only conducted limited to the Bank Muamalat Indonesia (BMI) Branch Malang, so it needs to expand the larger scope of research to get A better picture.The nine ethics of sharia marketers used in this study are only able to explain the model of 46.9% which means that the rest are explained other variables not included in the study.
In our discussion this ethical behavior of Islam will have a major impact on the development and scheduling of buyer-marketer relationships.Therefore, Islamic banks that value the importance of long-term relationships with their customers, must reach an environment where the potential for unethical behavior is minimal.Thus, management should follow-up on the following: (1) The need to create, communicate and apply the ethical code of sharia.Employees should know whether it is necessary.When it happens, it is very important to be informed of the punitive action taken against the offender; (2) Sharia ethics code should be the basis of ongoing training related to ethical dilemmas.Sharia bank management needs to be updated on sales training programs where sales managers can present salespeople with several different ethical scenarios and ask each of them; (3) Sharia bank managers should try to communicate with the marketing of their products / services, assist and guide them to specifically view their daily sales activities from the perspective of sharia ethics and its various activities, not just the results achieved (sales volume).
From this Islamic banks in an ethical manner guided by the value of Islam (sharia) as the main reference source, there is gun to the records of local Islamic banks still cannot achieve the goals of society and the environment.Some community groups as consumers, are expecting the quality of sharia banks can increase.This is evident from the empirical studies expressed in this book that highlight such as 1) speed and perception over time; 2) Best practices in use (professionalism / corporate governance); 3) Transparency of transactions and financial reporting; needs to be improved so that consumers as customers feel satisfied with the sharia banking system.