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This research aims to analyze the influence of financial literacy on decisions to use sharia pawnshop products. Financial literacy is an important factor that influences individuals in making financial decisions, including choosing sharia-based financial products. In this context, sharia pawnshops are one of the financial institutions that offer financing solutions according to sharia principles. This study uses a quantitative method with a survey approach to sharia pawnshop customers. Data were analyzed using linear regression to measure the relationship between the level of financial literacy and the decision to use sharia pawnshop products. The research results show that financial literacy has a significant influence on customers' decisions in using sharia pawnshop products. The higher the customer's financial literacy, the more likely they are to choose sharia pawnshop products as a financing solution. These findings underline the importance of financial education in increasing community participation in using sharia financial services. The results of the study indicate that simultaneously the variables of financial knowledge, financial management skills, and attitudes towards Islamic finance together have a significant influence on the decision to use Islamic Pawnshop products. The results of multiple linear regression analysis indicate that financial knowledge, skills and financial management have a significant effect on the decision to use Islamic Pawnshop products. Increasing financial knowledge, skills and financial management will increase the decision to use Islamic Pawnshop products.  

This research aims to analyze the impact of the merger of Bank Syariah Indonesia (BSI) on employees and customers, using a literature review method that follows PRISMA guidelines. Data were collected from Google Scholar with related keywords, yielding 6,590 results, and 10 relevant articles were selected based on inclusion and exclusion criteria. The research results show that the merger of three state-owned sharia banks, namely Bank Syariah Mandiri, BNI Syariah, and BRI Syariah aims to increase competitiveness and efficiency in the national financial system, as well as provide better services to customers. In this merger, employees experience changes in organizational structure and work culture, and welfare, which requires a process of adaptation and adjustment. Meanwhile, the impact for customers of this merger is to offer convenience and comfort in banking services. Overall, this merger has had a positive impact in terms of improving service quality and satisfaction for both BSI employees and customers.

Tourism activities in Indonesia are activities that can make a big contribution to the country. One form of contribution to increasing tourism is the activity of Online Travel Agents. Bali Panca Hanasta Tours is one of the Online Travel Agents in Bali that prioritizes the quality of service to encourage consumer repurchase intentions. The quality of service presented is expected to be able to provide a sense of satisfaction to customers by paying attention to customer needs and desires in order to be able to increase consumer repurchase intentions for the services provided. This study aims to understand the effect of service quality on repurchase intentions and the role of customer satisfaction as a mediating variable on online travel agent customers of Bali Panca Hanasta Tours in Bali. This study involved 100 respondents of Bali Panca Hanasta Tours customers. The data collection method was carried out through an online questionnaire, and data analysis using path analysis. The results of this study indicate that service quality has a positive and significant effect on repurchase intentions, and customer satisfaction successfully partially mediates the effect of service quality on repurchase intentions. The implications of the results of this study theoretically can be a reference for other researchers who want to study service quality, customer satisfaction, and repurchase intentions. In practice, it is expected to be a consideration and input for marketers and business actors in maximizing service quality and customer satisfaction as an effective and sustainable marketing strategy to increase repurchase intentions.

The function of artificial intelligence (AI) in creating a positive consumer experience on the Shopee e-commerce platform is covered in this study. Nowadays, artificial intelligence (AI) plays a significant role in the e-commerce sector, allowing businesses to offer more individualized, quick, and safe services. This study examines how Shopee customer satisfaction and loyalty are impacted by the use of AI technologies, including chatbots, tailored product suggestions, fraud detection, and inventory management. This study found that AI plays a significant role in making shopping more responsive and convenient by analyzing data on the use of chatbot services, the efficacy of personalized recommendations, the accuracy of predicting customer needs, transaction security, and the efficiency of logistics management. According to the study's findings, implementing AI technology reduced service response times by up to 20% and increased customer satisfaction by 15%. In addition to enhancing service quality, the use of AI increases Shopee customer loyalty. These results demonstrate how AI in e-commerce holds enormous promise for fostering startup expansion and enhancing client connections.

This research used a quantitative method with a sampling technique using the Slovin formula to obtain 95 samples. The data collection technique uses a questionnaire. The research results show that the service feature variable (X1) influences customer satisfaction (Y). The results of the t test for service features on customer satisfaction obtained a value of tcount > ttable (3.429>1.986) and a significance value smaller than probability (0.000 ttable (8.264 > 1.986) and a significance value smaller than probability (0.000 < 0.05), meaning that administration costs have an effect on customer satisfaction. The simultaneous test shows that the fcount value is 114.028 and the ftable value is 3.09 (114.028 > 3.09) with a significance level of 0.000 < 0.05. The conclusion of this research is that service features and administration costs influence customer satisfaction using mobile banking at Bank Syariah Indonesia KC Lahat.  

The purpose of this research is to know and analyse the effectiveness of financing in micro business empowerment at Kspps AL-Anshari Bukittinggi. This research uses a qualitative descriptive approach, namely collecting data according to what is actually then compiled, processed, analysed to be able to provide an overview of the existing problems. The author obtained information and data from informants by using interviews with informants. The results of this research explain that the effectiveness of financing in the empowerment of micro businesses at Kspps AL-Anshari Bukittinggi, namely in an effort to empower micro businesses, Kspss Al- Anshari Bukittinggi provides business capital financing to customers who apply for a pinjama for mikto business capital, so that with the financing, the customer's income as a micro business entrepreneur can be said to be effective, because every customer who is studied, the average customer's income increases. The effectiveness of financing in micro business empowerment at Kspss Al-Anshari Bukittinggi for the last five years, namely in 2018-2022. In 2018 the effectiveness ratio rate is 77% (quite effective), in 2019 the effectiveness ratio is 83% (quite effective) and in 2022 the effectiveness ratio rate is 72% (quite effective) which is included in the criteria is quite effective. This is because the realisation achieved is still far enough to differ to meet the set target. In 2020, the effectiveness level is 104% (highly effective) due to the realisation that has reached the set target. In 2021 the effectiveness level of 32% (not effective) is the lowest effectiveness level, this is realised very much different from the target. From the results of the last five years from 2018-2022 it is said to be quite effective.

In this research, a semiotic analysis of the Apple commercial version of "Privacy on iPhone - Data Auction" is carried out using the Roland Barthes model. Also this research uses descriptive qualitative methods with data collection techniques of interviews and documentation studies. The purpose of this research is to find out the representation of personal data protection in the advertisement by analyzing the meaning of denotation, connotation and myth. The results of the analysis show that this advertisement clearly illustrates the risks that will occur to the personal data of smartphone owners and users if the data can be accessed easily by irresponsible parties. This commercial also proves the truth of the myth widely circulated in society that Apple devices are more secure than other brands. Apple wants to emphasize that they attach great importance to and care about the confidentiality and security of the personal data of Apple users. Therefore, Apple strives to provide security guarantees and personal data protection on its products so that Apple customers feel comfortable and confident that their data is safe.

This study aims to analyze user satisfaction with the website of Zahira Media Publisher, a publishing company that has been operating since 2012. Using a descriptive analysis method and a quantitative approach, this study collected data through a questionnaire designed based on the End User Computing Satisfaction (EUCS) model. The five main variables analyzed include content, accuracy, format, ease of use, and timeliness of information. The results showed that the quality of content and the accuracy of information greatly influenced user satisfaction. In addition, the ease of use of the website is also an important factor that improves user experience. that improves user experience. Although the Zahira Media Publisher website offers a wide range of publishing services, there are some obstacles, especially in the process of registering new user accounts, which can hinder access to key features. This research provides recommendations for improvements in website design and functionality to increase user satisfaction and customer loyalty.

In the digital age, e-commerce startups are racing to achieve success. However, behind sophisticated technology, the key to success lies in understanding and meeting customer needs. Value Proposition Design (VPD) emerges as an effective strategy for designing customer-centric business models. This study aims to examine the role of VPD in building successful e-commerce startup business models in the digital era. Using a qualitative approach and case studies, this research analyzes the experiences and strategies of several successful e-commerce startups in Indonesia that have implemented VPD. The findings indicate that VPD helps startups identify customer needs, design relevant value propositions, and build sustainable competitive advantages. Moreover, the study reveals the challenges and opportunities faced in implementing VPD in a constantly evolving environment. In conclusion, VPD is a crucial strategy that can enhance the competitiveness of e-commerce startups in the digital age. This research provides recommendations for entrepreneurs to understand and consistently implement VPD.

This thesis investigates the role of female leaders in enhancing customer satisfaction at Honda car dealers in the digitalization era. As technological advances reshape consumer behaviors and expectations, understanding how female leadership can impact customer experiences in the automotive industry becomes crucial. The research employs a quantitative approach, using surveys to collect data from customers of Honda dealers across various locations. Data analysis involves descriptive statistics and regression techniques to assess the relationship between female leadership styles and customer satisfaction levels. Findings reveal that female leaders often adopt more empathetic and collaborative communication approaches, which positively influence customer experiences. Furthermore, their adaptability to technological changes enhances service delivery and responsiveness to customer needs. The implications of this study highlight the importance of increasing female representation in leadership positions within the automotive sector as a strategy to increase customer satisfaction, particularly in a rapidly evolving digital landscape. This research aims to contribute to the development of human resource management practices and marketing strategies in the automotive industry.

One of efforts that can done to be able to sufficient need customer with method notice management chain supply in a way well, that's it This because basically​ chain supply This notice regarding the goods process until customer in a way good. In the chain supply evaluation performance becomes very important, because Can know effectiveness strategy determination and its application in the business world. The goal in study This is For analyze flow performance chain supply as well as know mark chain supply which obtained what is Kachi Milk's business ? Already Good or no. Method of analysis in study This use balanced scorecard. On the Balanced Scorecard This explain mission and tactics capable organization​ made into become business for reach objective as well as become reject measuring performance in the company. Research results This is in the form of results the average value shows that from perspective finance to obtain value 3 (enough) good), internal business process perspective obtains value 3.4 (good), perspective growth and development to obtain value 3.12 (enough) good) and perspective customer to obtain value 3.6 (good). For the total average value for all perspective is 3.28 (enough) good). Concluded that performance on the chain supply business This Kachi Milk drink Enough Good based on four perspective, the need for efforts in business Kachi Milk drink for increase performance chain to be more increase.  

Koperasi Simpan Pinjam (KSP) Maju Mapan Jaya is one of the cooperatives engaged in savings and loans. In an effort to provide maximum service to customers, KSP Maju Mapan Jaya has collectors who are tasked with collecting credit installments and taking customer savings deposits directly to the customer's location for the convenience and security of customer funds.Transaction recording is still done manually by cooperative collectors by recording in the savings ledger or loan ledger and then submitting it to the cooperative office. Partners expect assistance in the application of information technology, especially the digitization of collector transaction data to minimize obstacles in the field. The purpose of this community service activity is to help partners provide assistance and implement a digital-based collector transaction data information system.

The rapid development of information and communication technology has caused significant changes to people's lives, especially in terms of communication. People's needs in this era of globalization in the form of smartphones are high because technology continues to experience development. This study aims to determine the effect of Brand Experience, Price and Customer Satisfaction, on Oppo Smartphone Customer Loyalty. In this study, the population studied was all people who bought and used an Oppo smartphone. The sample in this study amounted to 200 people using a purposive sampling technique. The data is then processed using the Lisrel Structural Equation Model (SEM) method. Based on the test results, it is known that Brand Experience has an effect on Customer Satisfaction. Price has no effect on Customer Satisfaction. Brand Experience has no effect on Customer Loyalty. Price has an effect on Customer Loyalty. Customer Satofaction has no effect on Customer Loyalty.

Competition in the business world has become increasingly intense, compelling business actors to establish competitive advantages in order to survive and boost sales. Among the strategies that can be implemented is to enhance service quality while offering competitive prices. This study aims to analyze the services provided to buyers as partners by KIA consultants and to investigate the impact of these services on customer satisfaction. The method employed is quantitative descriptive, utilizing a survey technique to sample the population, with a questionnaire as the primary tool for data collection using a Likert scale. The targeted population consists of buyers or visitors at KIA dealerships located in Bogor, Jakarta, and several other areas. The sample in this study comprises 90 respondents. The results indicate that the service quality variable has a significant impact on customer satisfaction, with a t-test significance value of 0.000, which is less than 0.05. Conversely, the price variable does not influence customer satisfaction, with a t-test significance value of 0.298, which is greater than 0.05. Additionally, both service quality and price collectively affect customer satisfaction, with an F-test significance value of 0.000, which is also less than 0.05.    

This study examines pricing mechanisms in the buffet system at Wisma Tamu Al Ishlah Restaurant from the perspective of Islamic economic justice principles. This research is crucial given the limited studies that analyze buffet pricing practices from an Islamic economic perspective, particularly in a pesantren (Islamic boarding school) environment. This research adopts a qualitative approach with field research methods, utilizing interviews, observations, and documentation for data collection. The findings indicate that the pricing mechanism at Al Ishlah Restaurant employs a cost-based method, setting prices based on raw material costs, capital, operational expenses, and production services, adjusted according to the types of food selected by customers. Generally, the pricing practices at Wisma Tamu Al Ishlah Restaurant align with Islamic economic justice principles, ensuring that no party is disadvantaged and upholding honesty in transactions. Prices are established through mutual agreement between the restaurant and the customer, ensuring fairness. However, price transparency presents a challenge that could affect consumer perceptions. This research contributes to the development of Islamic economic theory in the culinary business context and provides recommendations to enhance justice in buffet pricing..

The background of this research focuses on the development of the beauty salon industry which is getting heavier. Beauty salons offer a variety of services aimed at improving the appearance. Beauty salons must understand the factors that affect customer satisfaction. This study aims to analyze the influence of facilities and service quality on the level of customer satisfaction in beauty salons in Talawi District, Sawahlunto City. This research is a type of causal associative research using a quantitative approach. The data collection technique used in this study is to distribute a questionnaire through a g-form that has been tested for validity and reliability to 82 respondents as a research sample. . The data collected includes personal information of salon respondents regarding the facilities provided and the quality of services received. The results of the study show that facilities and service quality significantly affect customer satisfaction. The results of the hypothesis test showed that the three hypotheses proposed were accepted. The Adjusted R Square value of 0.745 shows that 74.5% of the variation in customer satisfaction can be explained by facilities and service quality, while 25.5% can be explained by other variables outside this study. Therefore, it is important for beauty salons to improve facilities and service quality to increase customer satisfaction in order to meet customer expectations and increase their loyalty to the salon.

Global Youth Action is a company engaged in youth empowerment with a focus on supporting the achievement of Sustainable Development Goals (SDGs) through the collaboration of various youth movements in Indonesia and internationally. However, the company still faces challenges in terms of infrastructure and information system (IS) applications that are not fully capable of supporting business processes optimally. One of the main obstacles is the limited human resources who have expertise in managing SI and information technology (IT) effectively. In preparing the SI strategic planning framework, this research uses the Ward and Peppard approach to analyze company needs. The analysis process includes mapping the company's internal and external environment through Value Chain Analysis and SWOT Analysis, as well as grouping the application portfolio using McFarlan Strategic Grid. The results of this research recommend the development of various applications such as the Global Youth Action Website application, SAP application, customer service information system, asset information system, and executive information system. These recommendations are expected to provide strategic direction for the global youth action company, as well as improve IT HR competencies and strengthen the application portfolio to support the sustainability of business processes at Global Youth Action.

The restaurant business in Indonesia has always been dominated by foreign market share. Without looking far, busy centers such as malls, for example, are currently filled with restaurants from western countries or China. Starting from fast food restaurants to restaurants that provide full course menus. The population continues to increase, meaning the level of human need for food also continues to increase. Especially in the restaurant sector, it is currently showing very good development and is a business prospect that is progressing rapidly and increasing. The aim of this research is to find out whether promotions partially have a significant effect on purchasing decisions at Boss Cafe Bhayangkara, as well as knowing the influence of Customer Experience on purchasing decisions, and knowing simultaneously on Word of Mouth and the existence of Promotions in Customer Experience, Word of Mouth which has an influence on purchasing decisions at Boss Café Bhayangkara. In this research method, it is quantitative. The population in this research is all Boss Café Bhayangkara customers. The sampling technique is based on criteria (considerations). The sample parameters are: All Boss Café Bhayangkara customers, all Boss Café Bhayangkara customers came back using the Zikmund formula to reduce the sample size, so the sample in this study was 96 people and rounded up to 100 people. The results obtained from this research show that: 1) Promotion, 2) Customer Experience, 3) Wort of Mouth, 4) Purchase decisions. Basically, it shows how far the influence of an independent variable individually is in explaining the dependent variable.

This study aims to comprehensively explore the implementation of collateral auctions at Pegadaian Syariah KM.6.5 Bengkulu Branch. Pegadaian Syariah provides financing services based on sharia principles with collateral of valuable goods. When customers fail to repay loans within the specified period, the Islamic pawnshop uses collateral auctions as a last resort to protect the financial rights of the institution. This study analyzes the auction procedures implemented, the obstacles faced, and the impact of auctions on customers. The research method is qualitative descriptive, involving observation, interviews with pawnshops, and document analysis. The results of the study indicate that auctions at Islamic pawnshops follow the principles of fairness, transparency, and sharia; however, challenges such as determining optimal prices and customer education are still obstacles that need to be considered.

The existence of online customer ratings, and COD payment services are expected to be able to influence purchasing decisions. The purpose of this study is to determine and analyze the influence of Online customer ratings on purchasing decisions, the influence of the COD Payment Method on purchasing decisions, on the Tokopedia application. The method used in this study is a quantitative method with a sampling technique using purposive sampling by taking respondent data according to the specified criteria, namely having used the Tokopedia application, the research sampling method using the questionnaire data collection method, using multiple regression analysis and hypothesis testing with IBM SPSS version 25.0. The results of the study showed that there was a positive and significant partial influence of online customer ratings (X1) on purchasing decisions (Y), namely 6,000> 1,985 with a significance value of 0.00 <0.05. The COD payment method (X2) partially had a significant effect on purchasing decisions (Y) on the Tokopedia application, namely 3.803> ttable 1.985 and a significance value of 0.00 <0.05. And simultaneous testing also has an influence between Online customer rating and COD payment method on purchasing decisions, namely the F count value of 36.453> F table 3.09 and a significance value of 0.00 <0.05, meaning that the independent variables of online customer rating and COD payment method simultaneously have a significant effect on the dependent variable of Purchasing Decisions.