BMT Bank Syariah Indonesia Corporate Image Customer Relationship Management Financing to Deposit Ratio Halal industry Halal lifestyle Halal value chain Kopontren Loyalty Mudharabah Deposit Profit Sharing Rate Non Performing Financing Operational Costs and Operational Income Return on Assets Satisfaction Service Quality interest lembaga keuangan syariah murabahah pembiayaan akad salam pertanian price of sale