Publication Search

The main problem in this research is what factors influence customer decisions in choosing BRI Bank Britama Savings Products in Fatukoa Village. The aim of this research is to see and explain what influences the decisions of Fatukoa Village customers in saving with Britama Savings Products. This type of research uses descriptive qualitative research. The data sources in this research are primary data and secondary data. Where data collection uses interview, observation, and documentation techniques. determining informants using Purposive Sampling, totaling 6 people. The time and place of the research was carried out in the 2023-2024 academic year, on a number of customers who live in Fatukoa Village, Kupang City. The results of this research explain that the factors that influence customers' decisions in choosing Britama Bank BRI savings products are influenced by cultural factors because cultural influences play a key role in customer decisions. The socialization process from the experience of being a customer for eight years, the use of banking products since the beginning of college, and the management of business transactions are the main factors in choosing Britama Savings. Social Factors due to the existence of reference groups, both from friends and family, have a big impact. Suggestions from friends about the benefits of interest rates and easy access to BRI Bank's online services, as well as recommendations from wives who are BRI Bank customers, are taken into consideration in the decision to save on Britama Products. Personal Factors due to Age, life cycle stage, work and economic environment are factors personal influences on product choices. The decision to save in BRI Bank Britama Products is based on long-term goals, investment, financial discipline, and economic considerations as well as income that can be invested, and Psychological Factors because the motivation for opening a Britama Savings account is related to biogenic and psychogenic needs, such as increasing pension funds, long-term investment, increasing financial discipline, and building savings habits. Trust and positive attitudes towards Britama products, supported by the reputation and security of BRI Bank, also play a key role in decision making. Apart from that, information from reference groups, socialization experiences, economic considerations, and trust in banking institutions are key factors that shape customer decision behavior.

This research aims to investigate the relationship between Social Media Marketing Activities, Brand Experience, Brand Reputation, and Brand Equity towards Purchase Intention on the brand. A survey method was employed to collect data from respondents who are customers of the brand in the JABODETABEK area. The sample consisted of 180 respondents, and Multiple Linear Regression Analysis using SPSS was utilized to test the proposed hypotheses. The data collection technique employed purposive sampling. The results of the study indicate a significant positive correlation between Social Media Marketing Activities, Brand Experience, Brand Reputation, Brand Equity, and customers' Purchase Intention. This underscores the importance for Uniqlo to address these issues through improved marketing strategies, consistency in customer experience, reputation enhancement, and efforts to build strong brand equity. Uniqlo can enhance brand awareness, strengthen interaction with potential customers, build trust, increase customer preference, and ultimately boost consumers' intention to purchase its products. The managerial implications of this research highlight the importance of enhancing Social Media Marketing Activities, strengthening Brand Experience, building a good Brand Reputation, and continuously innovating to enhance Brand Equity. These findings provide valuable insights for marketing managers in designing effective strategies to increase sales and strengthen the brand's position in the market.    

This study investigates the factors that influence the formation of PT's corporate image. Pal Indonesia (Persero) and how this perception is related to employee work motivation. Through a literature analysis approach, this research analyzes the perceptions of various stakeholder groups, including prospective employees, customers, suppliers and the general public. The results of the analysis show that company reputation, product and service quality, relationships with stakeholders, organizational values, and commitment to social responsibility are the main factors that influence the company's image. Positive perceptions of the company's image can increase trust, reputation and support from various parties, which in turn can motivate employees to provide their best contribution. Conversely, negative or ambiguous perceptions can reduce employee interest and motivation. Therefore, company management must actively monitor and manage these factors, and strive to build good relationships with various stakeholders to create a motivating work environment that contributes to the company's long-term success.

The rapid growth of the online marketplace has created competition between marketplaces in Indonesia. The emergence of various new marketplaces that are growing now allows consumers to move from one platform to another. This challenge must be faced by marketplaces in maintaining consumer loyalty. The purpose of this study was to determine the effect of e-service quality, e-trust and e-WOM on Lazada e-customer loyalty. This research is a descriptive research using quantitative methods. The population of this study is users of the Lazada marketplace in Sidoarjo. Sampling using non-probability sampling techniques with purposive sampling techniques with a total sample of 96 people. Data analysis technique using Partial Least Square using Smart-PLS 3.0 program.   The results of this study indicate that e-service quality, e-trust and e-wom partially affect e- loyalty.

The intense competitiveness in the commercial sector drives this research. Plastic trash in the environment is causing an increasing amount of natural damage. Customers are becoming more demanding when it comes to eco-friendly items. As a result, companies need to adopt green marketing as a new marketing tactic. Companies can get a competitive edge through green marketing by fostering greater customer trust. Young buyers favor things that are good for the environment. The purpose of this study is to determine the degree to which the purchasing decisions of the Class of 2020 Sharia Business Management students at the Faculty of Economics and Islamic Business, State Islamic University (UIN) Sjech M. Djamil Djambek Bukittinggi, are influenced by green marketing and brand image. Quantitative descriptive research is used in this study. Both primary and secondary data were used. With a sample size of 64 respondents, the study's population consisted of users of AQUA products. Data were gathered by questionnaire distribution and observation. Research instrument tests, which include validity and reliability testing, as well as traditional assumption tests, which include tests for heteroscedasticity, multicollinearity, autocorrelation, and normality, were employed in data processing procedures. using the aid of the SPSS22 program. Based on the research findings, it can be inferred that while brand image has a value of 0.00 less than 0.05 or (0.00<0.05), it can be concluded that brand image partially influences purchasing decisions. This is because the company is implementing a new marketing strategy, namely green marketing. The partially green marketing variable has a value of 0.002 which is smaller than 0.05 or (0.002 <0.05). Businesses can gain a competitive edge by using green marketing to enhance their positive consumer perception. It is possible to conclude that green marketing and brand image jointly have a large influence on purchase decisions because they both simultaneously have a computed F value > F table, or 249,499 > 3,148.

Financing can be interpreted as funding provided by one party to another party. Its function is to support investments that will or have been planned by the institution. Financing can also be interpreted as trust or trust. It means that the financing institution as sahib al-mal puts trust in someone to carry out the mandate given. All such costs must be used properly, fairly, and must be accompanied by clear terms and are responsible for all parties. Every Islamic financial institution has a philosophy of seeking the pleasure of Allah SWT. to acquire the virtues of the world and the hereafter. Therefore, any activities of financial institutions that are considered deviant from religious demands should be avoided. In the implementation of financing, Islamic banks must meet two most important aspects. First, the Shar'i aspect where in every realization of financing to customers must remain guided by Islamic Shari'a. Second, the economic aspect which still considers the profit generation for Islamic banks and for customers.

This research focuses on the implementation of the Al Wadiah concept in the State Savings Bank (BTN) in Indonesia. The concept is based on Islamic law and deals with trust and custody. The bank has integrated Al Wadiah into its savings services and manages customer funds in accordance with Sharia regulations. This study uses secondary data to analyze the implementation. The study found that BTN offers a range of savings products that emphasize the security of deposited funds. The study also identified challenges and opportunities faced by the bank in implementing the concept. These challenges include regulatory changes, educating the public and a comprehensive understanding of Sharia principles. Despite these challenges, there are opportunities for BTN to expand its range of Sharia-based services and increase public confidence in the financial system.

Nowadays, marketing is a systematic point that is very important for the success of a business in a company and also a company because of the increasingly fierce competition. The local brand of quality mineral water and also has a brandimage that is already embedded in the minds of consumers is Aqua. Brand image plays an important role in shaping brand image in the eyes of consumers and can influence the extent to which customers trust, recognize, and choose brands among their competitors. Instagram plays an important role in shaping brand image for businesses and brands. By using this platform to share creative, inspiring, and relevant content, companies can form an image on the brand that is positive and attractive to a wide audience or audience. The existence of this research has the aim of knowing how strong the influence of Aqua's Instagram content on brand image. The theory used in this research is Instagram content which consists of follow, like, comment, caption. Then next is the Brand Image theory which consists of the strength of brand association, the superiority of brand association, and the uniqueness of brand association on variables. The approach in this study is a quantitative approach with a survey method conducted on 79 respondents of @sehataqua Instagram followers, with sampling techniques using simple random sampling method. The results in the study indicate a fairly high influence, which is spelled out by the amount of 61% of Aqua's Instagram content on Brand image. While the remaining 39% is influenced by variables not examined in this study.

The purpose of this research is to determine the effect of referral marketing and corporate trust icons on radical customers through customer satisfaction at Mie Barracung. This study employs a descriptive research design with explanatory research methods. Sampling was conducted using purposive sampling as the sampling technique. The sample used in this study consists of 100 respondents who are customers of Mie Barracung Manukan Surabaya. This research utilizes a structural equation modeling (SEM) approach - SmartPLS 4.0.9.3, which includes the inner model process, outer model, and hypothesis testing (bootstrapping) to test the significance of the overall model and the predetermined paths. The findings indicate that referral marketing has a direct effect on customer satisfaction at Mie Barracung Manukan Surabaya..Trust icon corporate directly does not affect radical customers at Baraccung noodles Manukan Surabaya. Customer satisfaction directly affects radical customers at Baraccung noodles Manukan Surabaya. Referral marketing indirectly affects radical customers through customer satisfaction at Baraccung noodles Manukan Surabaya. Trust icon corporate indirectly does not affect radical customers through customer satisfaction at Baraccung noodles Manukan Surabaya.

This research is motivated by guests who do not recommend Daima Hotel Padang due to their less satisfactory experience during their stay. The research aims to determine the influence of customer experience and trust on repurchase intention at Daima Hotel Padang. The research type is quantitative descriptive. using purposive sampling technique, a sample 0f 98 respondents who met the criteria of having stayed at least once at Daima Hotel Padang. Data collection was conducted using a questionnaire based on a Likert scale, which has been tested for validity and reliability. The data were analyzed using multiple linear regression and met the classical assumptions. After hypothesis testing, a coefficient of determination (R Square) value 0,051 was obtained, indicating that the variable of customer experience and trust influence repurchase intention by 51% with the remaining 49% influenced by others factors.

This research aims to investigate the impact of customer loyalty by focusing on the influence of product quality, service and customer trust. The research method used is a survey involving respondents who are customers from various industrial sectors. Data is collected through questionnaires that share customer perceptions of product quality, service, and their level of trust in the brand or company. The results of data analysis show that product quality, service and customer trust significantly influence the level of customer loyalty. Good product and service quality can increase customer satisfaction, while customer trust is a key factor in building long-term relationships. Therefore, efforts to improve the quality of products, services and build customer trust can be an effective strategy in maintaining and increasing customer loyalty.

Business ethics is a business approach to conducting operations that covers all aspects of society, business and the public. Business ethics in an organization can influence the values, norms, and behavior of leaders and staff. Consumer trust is the confidence that consumers have in a product, service, or brand. This belief has an important role in influencing consumers' decisions to buy, reuse, and recommend certain products and services. CSR is a business initiative to consider the concerns of many stakeholders, including the environment, society, workers, and customers. The purpose of this research is to find out how important company ethics is in building consumer trust. This research uses a qualitative descriptive analysis method and data is obtained from literature studies, several books, references on the internet, and journals that examine similar research to support research on "The Role of Business Ethics in Building Consumer Trust". This research shows that a company's most morally responsible practices influence customer trust. This study highlights how urgent it is to see how the most morally responsible corporate practices influence customer trust. Sharia marketing strategies have a significant effect on consumer satisfaction and their trust in certain products and services. This research shows that the role of business ethics has a significant influence in building consumer trust.

Augmented Reality (AR) technology has emerged as a transformative tool in the e-commerce industry, enhancing the online shopping experience by offering interactive and immersive features. This study explores the impact of AR on consumer behavior, focusing on key factors such as trust, satisfaction, purchase decisions, and customer loyalty. Through a user experiment, participants interacted with AR-integrated e-commerce platforms, testing features such as virtual try-ons and product visualizations in real-world contexts. The results revealed that AR significantly enhances consumer trust, with more realistic and accurate product visualizations increasing confidence in both the product and platform. Customer satisfaction was also notably higher after interacting with AR features, with users reporting a more engaging and enjoyable shopping experience. Furthermore, purchase intention was positively influenced by the ability to visualize products and receive real-time, interactive feedback. Repeated exposure to AR led to increased customer loyalty, as participants expressed a higher likelihood of returning to use AR tools in future shopping experiences. These findings suggest that AR provides a strong competitive advantage for e-commerce platforms, enabling them to differentiate themselves in a crowded market by offering personalized, engaging, and trust-building shopping experiences. This research also highlights the practical implications for e-commerce businesses, recommending the integration of user-friendly and interactive AR features to enhance engagement, satisfaction, and decision-making. Future research should explore the broader applications of AR across industries and consumer segments to further understand its potential to revolutionize online shopping.

The integration of Artificial Intelligence (AI) chatbots into customer service operations within digital banks has become a transformative trend in the banking sector, particularly in Indonesia. This study examines the effectiveness of AI chatbots in improving both operational efficiency and customer satisfaction in three selected Indonesian digital banks. The research focuses on evaluating the impact of AI chatbots in reducing response times, handling high volumes of customer inquiries, and improving service availability. The study also delves into customer feedback, measuring satisfaction with the ease of use, personalization, and responsiveness of the AI systems. The results demonstrate that AI chatbots significantly enhance customer service efficiency by reducing wait times and automating routine inquiries, which reduces the need for human intervention. Additionally, customers reported high satisfaction with the round-the-clock availability of AI chatbots and the personalized financial advice provided. However, despite these benefits, challenges related to data security, chatbot accuracy, and customer adaptation to automated systems remain prevalent. Data privacy concerns and issues regarding the chatbot's ability to handle complex queries were noted as limiting factors in customer trust and satisfaction. The study highlights the implications of these findings for the future of digital banking in Indonesia, emphasizing the need for improved chatbot integration, stronger data security measures, and enhanced user experience design. The integration of AI in customer service operations holds significant potential for digital banks and the broader financial sector to improve operational efficiency, reduce costs, and meet the evolving expectations of customers.

In the context of doing business and interacting with others, ethics plays a crucial role. Business ethics is not just an element, but a determinant of the success of a business. This study aims to investigate and analyze the role of Business Ethics in building consumer trust and satisfaction. The research method applied is Systematic Literature Review (SLR) with a focus on journals that have been published from 2014 to 2023. The results of this study, namely: 1. Business ethics has a positive effect on consumer trust, 2. Business ethics has a positive effect on customer satisfaction.

In the era of globalization, competition between companies is increasing in achieving excellence. So companies that have competitive advantages will be able to survive in the competition. Apart from that, with conditions like this, every company is required to survive and have the ability to compete in order to face this competitive climate. Quality of service towards customer satisfaction is one of the factors that plays a very important role in the survival of a company, because this will make the company bigger and able to win every business battle. Therefore, every company tries to ensure that customers are satisfied and trust the company so that it has the potential to provide benefits to the company in the long term. In this research the author uses a descriptive approach in that the research is only descriptive, namely to find out or describe the reality of the events being studied so that it makes it easier for the author to obtain objective data in order to know and understand the development of the Quality Management System at LPK Wajo Intelektual Mandiri. Quality Management System LPK WIM is implemented based on the Plan, Do, Check, Action (PDCA) process which consists of planning steps, plan implementation, checking the results of plan implementation, and corrective action on the results obtained which basically uses Management functions in their implementation based on management achieving quality of both products and services. The implementation of a system formed by the internal LPK Wajo Intelektual Mandiri will certainly have a positive impact on the company, namely improving and guaranteeing the quality of the products or services produced so that in the end it will increase the level of customer satisfaction with the products or services provided.    

The development of the Islamic banking sector in Indonesia reflects a response to the public's need for a banking system that not only provides sound financial services, but also adheres to sharia principles. PT Bank Syariah Indonesia as a major player in this sector has to face the changes that occur due to high competition in an effort to win customer trust and support. Currently, customer behaviour in the Indonesian banking industry is very diverse. Low administrative costs are also an important consideration for customers. The importance of these factors in customer decision-making has been recognised by modern banks, which now realise that customers do not only consider interest rates or financial benefits, but also want the sophistication and full features of banking products. Technological advancement, especially in mobile banking, has become a significant trend, not only in developed countries but also in developing countries such as Indonesia. Mobile banking, as one of the service products offered by PT Bank Syariah Indonesia, is an important factor in students' decision to open an account online. The existence of good virtual services from Bank Syariah Indonesia, especially through the mobile banking platform, is a major attraction for students, given their dependence on technology and the need for convenience in transactions.

This research discusses the concepts and theories of good corporate governance applied at PT. Indonesian Sharia Bank. This article reviews the importance of implementing the principles of good corporate governance in the sharia banking industry, with a focus on PT. Indonesian Sharia Bank. In this article, the author explains the concepts and theories of good corporate governance and their relevance to PT. Indonesian Sharia Bank. The author also discusses how PT. Bank Syariah Indonesia applies the principles of good corporate governance in its operations. This article also reviews the benefits obtained by PT. Bank Syariah Indonesia through the implementation of good corporate governance. In this research, the author used a descriptive-analytical method by collecting data through literature studies and analysis of PT's corporate governance policies and practices. Indonesian Sharia Bank. The research results show that the implementation of good corporate governance at PT. Bank Syariah Indonesia has had a positive impact on company performance and the trust of shareholders and customers. The conclusion of this article discusses the concepts and theories of good corporate governance and their application at PT. Indonesian Sharia Bank.Implementation of good corporate governance at PT. Bank Syariah Indonesia provides benefits in improving company performance and shareholder and customer trust.

Customer Relationship Management (CRM) is one of the business strategies that companies can employ to foster positive relationships between the company and its customers. This research aims to explore and analyze the CRM service strategies employed by Zipzap Corporation, examining the factors influencing the effectiveness of these strategies in enhancing brand loyalty for Zipzap Corporation. The research methodology utilized is qualitative, involving interviews with both Zipzap Corporation customers and customer service employees. The findings reveal that Zipzap Corporation implements CRM strategies encompassing post-sales and delivery service stages.  Customer perspectives indicate that factors such as communication ease, product quality, and trust are primary considerations when selecting a vendor. These factors are integral to the CRM service strategy, aiming to enhance brand loyalty for Zipzap Corporation. This study provides insights into CRM service strategies that companies can adopt to build strong customer relationships, ultimately contributing to the overall business objectives and sustainability.

The study of the role of the Financial Services Authority (OJK) in protecting banking customers is an important topic in the context of consumer protection and the stability of the financial system. OJK has the authority to end operational supervision procedures related to bank and non-bank exchange transactions, as well as providing legal certainty for customers. It is an Islamic economic perspective, OJK also has a role in protecting sharia banking customers. Legal protection for depositing customers has been regulated in various laws and regulations, including Law Number 21 of 2011 concerning OJK. OJK also has an important role in resolving consumer complaints in accordance with those regulated in the Consumer Protection Law. In addition, OJK is also involved in regulating national economic stimulus policies that have an impact on the spread of COVID-19. Through regulations such as OJK Regulation No. 48/POJK.03 Year 2020, OJK plays a role in loving the guarantee for financial losses felt by depositing customers. Thus, the role of OJK in protecting banking customers is very important in maintaining public trust in the financial system.