Abstract :
The potency of micro enterprises possessed a high portion in term of number of enterprises, employees
and contribution on Gross Domestic Product (GDP). Such great opportunities create the competition
between bank on offering any product include credit or loans. Service improvement is done by maintaining
relationship quality and intimacy. This study examines the impact of interaction on banking services on
relationship quality (which is conceptualized on customer interaction with interpersonal services and
customer interaction with the environment) and intimacy (which is conceptualized on employee?s
hospitality and employee?s credibility). This study also proposing a model of conceptual relation between
variables relationship quality and intimacy and its impact on satisfaction and loyalty to micro enterprises
in Surabaya and cities surround (Sidoarjo, Gresik, Mojokerto). Hypothesis testing performed by using
empirical study to 123 samples, using statistical testing named Structural Equation Model (SEM). Result
of this analysis test, showed customer interaction to environment is having greater impact to relationship
quality, while employee?s credibility is having greater impact to intimacy. Relationship quality is
positively not significant affect to satisfaction, while intimacy is positively significant affect to satisfaction
and customer satisfaction is positively significant affecting loyalty.
Keywords : Relationship Quality, Intimacy, Satisfaction, Loyalty.