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Trade receivables represent bills arising from the sale of merchandise or services on credit. Trade receivables are usually given by sales to buyers on the basis of trust, without being accompanied by a written agreement, except for certain customers such as sub-distributors. The impact of uncollectible accounts is that it causes a risk of decreasing company profitability, which in turn can cause losses for the company. Uncollectible receivables are debts owed by other parties for a business transaction. The type of research used in this study is a qualitative descriptive research method, using secondary data collected through the process of observation, interviews and documentation at PT. Tri Sapta Jaya Sibolga. The following data analysis techniques used are data reduction, data presentation, drawing conclusions and triangulation. In the results of interviews with PT. Tri Sapta Jaya Sibolga concluded that the amount of uncollectible accounts based on the age of the receivables obtained the value of uncollectible receivables as being 1-30 days old, which means current, 31-60 days meaning substandard, 91-180 days meaning doubtful, and 181-365 days means uncollectible, where in 2017 the condition of uncollectible receivables was 9,605,854,106, in 2018 it was 12,002,571,945, in 2019 it was 17,345,325,639, in 2020 it was 8,349,776,069 and in 2021 it was 8,638,971,561.56 The results of the study show that the cause of receivables is the weak credit administration and control system that occurs because creditors do not implement the system based on predetermined procedures.

The purpose of this study was to review the market place of PT Tokopedia in maintaining the image and trust of consumers after the leakage of customer data. The research method used in this study is a qualitative method, the data I use is in the form of writing I & I, not numbers. I have reviewed this data. Based on Ijournals, my mother, Iwebsite, and other official documents, PT Tokopedia informs about user data leaks. Tokopedia requires the necessary policies. Utilizing a new data security method, namely blockchain, as well as establishing special laws for the protection of personal data, is necessary to minimize the amount of business personal data. a significant impact on consumer confidence thereby influencing consumer purchasing power for sales made on the PT Tokopedia marketplace.    

Customer loyalty is a customer's commitment to a brand, store or supplier based on a very positive nature. And customer loyalty consists of several variables, namely: quality, satisfaction and trust. This study aims to determine and analyze the effect of quality, satisfaction, and trust on customer loyalty with internet packages of sympathy (study on major potential university students) as of April 1, 2022. This study used 152 respondents as research samples. By using a random sampling technique using the Slovin formula and processing data using SPSS Version 26. Based on the results of the analysis, it can be seen that the three variables used in this study proved to have a positive and significant influence on customer loyalty. And through the results of this test, it can be seen that the test value of the Adjusted R Square coefficient of determination is 0.502 which means that 50.2% of customer loyalty there are factors obtained, namely quality, satisfaction, and trust. While the remaining 100% - 50.2% = 49.8% is explained by other variables such as price, promotion, and brand image which are not examined in this study.

Penelitian ini bertujuan untuk menguji dan menganalisa pengaruh Customer Satisfaction, Customer Delight dan Customer Trust terhadap Loyalitas Pelanggan. Dengan ini, peneliti ingin mengetahui berbagai faktor yang mempengaruhi loyalitas pelanggan restoran otentik di Tangerang. Teknik pengambilan sampel pada penelitian ini dilakukan dengan convenience sampling, yaitu teknik pengambilan sampel dengan memilih sampel secara bebas sekehendak peneliti. Sampel yang digunakan dalam penelitian ini adalah dari 155 responden. Teknik pengumpulan data yang digunakan adalah dengan penyebaran kuesioner. Sumber data yang digunakan dalam penelitian ini adalah data primer yang berasal dari penyebaran kuesioner. Analisis data dalam penelitian ini menggunakan analisis multivariat. Pengujian hipotesis penelitian dilakukan dengan pendekatan Structural Equation Model (SEM) berbasis Partial Least Square (PLS). Hasil dalam penelitian ini menunjukkan bahwa: (1) Customer Satisfaction berpengaruh positif terhadap loyalitas pelanggan, (2) Customer Delight berpengaruh positif terhadap loyalitas pelanggan, (3) Customer Trust memiliki pengaruh positif terhadap loyalitas pelanggan.

The financial sector is undergoing rapid digital transformation, driven by innovations in digital banking, fintech, and AI-driven solutions. This transformation has significant implications for consumer trust and data security. This paper explores the impact of these technological advancements on customer confidence in financial institutions, especially in light of recent data breaches and cybersecurity threats. By analyzing regulatory responses and cybersecurity frameworks, the study emphasizes the critical need for robust protections to build and maintain consumer trust in digital finance. Findings indicate that enhanced security measures and regulatory oversight are essential in safeguarding data and supporting the sustainable growth of digital finance.

Tingginga kebutuhan masyarakat terhadap pelayanan kesehatan disambut baik oleh swasta. Terdapat 63% Rumah sakit di Indonesia di milii oleh swasta. Di Tangerang terdapat 15 Rumah sakit swasta tipe B yang satu dengan lainnya bersaing dalam melakukan kegiatan bisnis untuk mendapatkan pelanggan baru, tetapi juga meningkatkan loyalitas pelanggan lama atau customer loyalty. Penelitian ini bertujuan untuk mengetahui customer satisfaction, customer trust, dan customer loyalty. Selain itu juga untuk mengetahui pengaruh kepuasan pelanggan terhadap loyalitas pelanggan, pengaruh kepercayaan pelanggan terhadap loyalitas pelanggan, dan pengaruh kepuasan pelanggan dan kepercayaan pelanggan terhadap loyalitas pelanggan di rumah sakit X Gading Serpong Tangerang. Penelitian ini menggunakan pendekatan deskriptif kuantitatif. Populasi penelitian ini adalah pasien rumah sakit X Gading Serpong Tangerang yang berjumlah 120 orang. Sedangkan jumlah sampel dalam penelitian ini adalah 90 pasien. Hasil penelitian menunjukkan bahwa customer satisfaction, customer trust, dan customer loyalty masing-masing pasien termasuk dalam kategori “Baik”. Dari hasil perhitungan korelasi diketahui bahwa secara parsial variabel customer satisfaction, customer trust berpengaruh positif dan signifikan terhadap customer loyalty pasien Rumah sakit X di Gading Serpong Tangerang. Hasil uji F menunjukkan bahwa customer satisfaction (X1) dan customer trust (X2) secara simultan berpengaruh positif dan signifikan terhadap variabel customer loyalty (Y) dengan nilai F hitung (46,673) > F tabel  (3,10).

Abstract. This study aim is to find out how customers feel about the atmosphere and quality of service at Sociostyle Stores. A descriptive quantitative method was used in this study. In this study, the study population was made up of people who shopped at the Temanggung Sociostyle Shop. The exact number of people who shopped there was not known because the number of people who shopped there was always growing. Because of this, the sampling strategy is based on the Lemeshow formula. Based on the numbers, the number of people in the sample is 100. For their research, the researchers used a questionnaire with a Likert scale and direct observation. After the data were collected, the instrument's validity and reliability were checked. After the instrument has been found to be valid and trustworthy, descriptive statistical analysis can continue so that the research questions can be answered. The results showed that all of the store atmosphere and service quality variables were in the very high category because their mean values were between 3.24 and 4.00.

One form of progress in the current financial sector is evidenced by the adaptation of Fintech, which stands for sharia P2PL Financial Technology. Financial institutions in carrying out their activities cannot be avoided what is called risk. That's why to gain profit and customer trust, financial institutions are required to have good risk management, especially fintech companies that offer convenience and efficiency in transactions, so they will be very vulnerable to various types of risks in the financing process that can affect the sustainability of the fintech itself. fintech companies, before channeling financing to potential recipients of funds, also need to be able to pay attention to various risks that may arise, both predictable and not, and also have techniques for mitigating risks from all possibilities that may occur in the future, so there is a need for strategic steps and ways to minimize existing risks. This type of research is empirical and uses a qualitative approach with secondary data source. From the explanation, it can be said that PT ALAMI Sharia has carried out Sharia fintech P2PL transactions that are following existing economic principles starting from the identification of potential recipients of funds, analysis carried out by PT ALAMI and risk mitigation carried out by PT ALAMI Syariah.

The Covid-19 pandemic and the hospital class transition caused a decrease in the number of outpatient visitors at the Pandan Arang Hospital, Boyolali, except for the Gastroentero Hepatology (GEH) clinic. This study aims to determine the service quality by management to create patient satisfaction and loyalty, especially at the GEH clinic. In this study, the factors of service quality, customer experience, and customer perceived value that link trust and customer satisfaction to customers loyalty to find out motivate consumers or patients in the selection of hospitals. The methodology in this research is a mixed-method approach to Sequential Exploratory design, starting with interviews with the management and consultant doctors of GEH, followed by distributing questionnaires to GEH clinic patients with a total of 307 respondents at different and sequential times. The results of the study are Pandan Arang Hospital prepared infrastructure and competent human resources according to type B hospital qualifications. During the pandemic era, Pandan Arang Hospital provided outpatient services according to the recommendations of WHO and the Ministry of Health with a separate service flow between Covid-19 and Non-Covid-19 patients. The results of quantitative research found a positive and significant relationship between service quality, customer experience, customer perceived value on trust; a positive and significant relationship between service quality, customer perceived value, and trust in customer satisfaction; the positive and significant relationship between customer satisfaction and customer loyalty.

This study aims to determine the influence of Product quality. Service quality and Customer trust on Customer loyalty. Where is the independent variable consist of Product quality variable. Service quality variable, and Customer trust variable influences Customer Loyalty variable as the dependent variable. This research was conducted at Enterprise in Surabaya. Methods of data collection in this study is questionnaires filled out by the respondents are consumers of Enterprise that have been bought the blank wedding invitation cards at least twice. Taking sample of 50 respondents in this study using a purposive sampling method.

The purpose of this research is to compare customer satisfaction with package delivery services at JNE and J&T Makale City in Tana Toraja Regency. This research utilizes a descriptive quantitative research method. A questionnaire was issued to consumers of JNE and J&T as part of the data collection technique. There were a total of 1,085 participants in this research, including 300 JNE customers and 785 J&T customers. Using the Slovin formula, the researchers drew the same number of samples from the whole population in each site, up to 75 people. The Customer Satisfaction Index (CSI) was used for data analysis in order to calculate the expected level of product or service qualities based on an analysis of total customer satisfaction. The results showed that J&T consumers were more satisfied with the delivery services than JNE customers,  Therefore, the trustworthiness of the services offered by the Makale City JNT must be enhanced, J&T must increase the service quality in terms of assurances and physical evidence, as well as their responsiveness and sensitivity.

The purpose of this study was to determine whether or not the influence of customer experience, consumer confidence, prices and flight ticket purchasing decisions on the Traveloka application for UNIMAR AMNI Semarang Students. The sample in this study amounted to 52 respondents who used airline ticket services in the Traveloka application. By using probability sampling technique, namely by random sampling. Analysis of the data used in this study is descriptive analysis and quantitative analysis, the data were analyzed using multiple linear regression analysis with the help of (software) Statistical Package For Social Science (SPSS) version 26. The results of the study by partially testing the t-test hypothesis showed that Customer experience, consumer trust, and price have a positive and significant effect on purchasing decisions. Based on the research results, it can be seen that the research model of the multiple linear regression equation is Y= 0.095 + 0.484.X1 + 0.195.X2 +0.295.X3 + . From the regression equation, it can be seen that the most dominant variable affecting the increase in the number of passengers is the price variable with a regression coefficient of 0.095. And the R2 test (Adjusted R Square) obtained results of 0.780 or 78.0% which means that purchasing decisions are influenced by customer experience, consumer confidence and price variables which are 63.8% and other factors that influence passenger decisions are 36.2 % or 0.362.

The purpose of this study is to see and analyze how a retail business maintains its business, including maintaining customer loyalty. The research was conducted at a retail store in Sukabumi. Methods of data collection is done through observation and interviews with resources in the store. The results showed that: 1) retail stores in maintaining their business utilize various promo modules and involve the active role of all resources in the store; 2) retail stores provide all the best to consumers, through an attitude that prioritizes 5S, and strives to meet every consumer need, so as to maintain consumer trust and loyalty; 3) the ability to promote and good service makes retail stores can compete with competitors and can maintain their business.

Customer satisfaction is very important to a company's services, because satisfied customers will come back, buy more, spread the experience to another friend, and is willing to pay more to do business with a trusted provider. Efforts to maintain customer satisfaction one of which is to monitor what they want from the services that are presented. This study aimed to measure the level of customer satisfaction in the business of outdoor education and training, in which customer satisfaction is measured on the dimensions of perceived service and expected service. The population in this study is service users of the outdoor education and training at the Centre for Education and Training Managerial Behavior University of Wijaya Putra that training in January and June 2014, samples were taken by purposive random sampling technique amounts to 143 people. The variables of this study customer loyalty, service quality, perceived quality, perceived value, and customer expectation and customer complaints. Analysis of the data used is multiple linear regression analysis with hypothesis testing with the F test and t test. The expected outcome of this research is the acquisition of the factors that affect customer satisfaction on service providers of outdoor education and training, in terms of quality of service indicators (tangibles, reliability, responsiveness, assurance and empathy). The results show that there is good agreement between the performance perceived by the user's expectations of the outdoor education and training services. These conditions can be considered satisfactory by management for the success of providing the best service to users of the service. Cartesian diagram determine the right strategy for the management to improve service quality are a top priority especially.    

This study aims to determine the most significant factor statistically influencing customer satisfaction in the purchase transaction process using mobile commerce to test the moderating effect of customization or efforts to adapt m-commerce to consumer desires. Respondents who filled out the survey consisted of 125 respondents, spread over a span of 1 month, for customers who in the last 12 months have used m-commerce for buying and selling transactions. The results of this study are the customer trust factor, the perceived enjoyment factor when using m-commerce, the moderating effect of customization on usage benefits factor, and the customization factor are the 4 factors that most influence customer satisfaction. These findings are useful for M-commerce providers to focus their development on aspects of customer trust, customer enjoyment, and customization.

The establishment of new hotels in Semarang City has an impact on increasing competition between existing hotels. Many hotel choices make the hotel room occupancy rate reduced. Based on the increasing number of existing hotels that have an impact on decreasing occupancy rates, research on customer loyalty is conducted. The research was conducted at Grasia Hotel with 96 respondents with criteria as guests who have stayed more than twice and for criteria aged more than 20 years. The results showed that trust and facilities had a positive effect on customer loyalty

ABSTRAKPerilaku seseorang dalam memutuskan untuk memilih produk dalam pembiayaan multijasa di setiap lembaga keuangan pasti dipengaruhi oleh rasionalitas ekonomi yakni bagi hasil, fasilitas, pelayanan, kemudahan, kenyamanan dan keamanan transaksi. Karena sebagai indentitas dan juga sebagai langkah untuk menarik nasabah yang pada pencapaiannya yaiu kepercayaan nasabah. Rumusan masalah penelitian ini adalah (1) Apakah proses pemberian pembiayaan dapat berpengaruh terhadap kepercayaan nasabah pembiayaan multijasa pada PT. Bank Pembiayaan Rakyat Syariah Fajar Sejahtera Bali? (2) Apakah preferensi dapat berpengaruh terhadap kepercayaan nasabah pembiayaan multijasa? (3) Apakah proses pemberian pembiayaan dan preferensi dapat berpengaruhterhadap kepercayaan nasabah pembiayaan multijasa? Tujuan penelitian ini adalah untuk mengetahui (1) pengaruh proses pemberian pembiayaan terhadap kepercayaan nasabah pembiayaan multijasa (2) pengaruh preferensi terhadap kepercayaan nasabah pembiayaan multijasa (3) pengaruh proses pemberian pembiayaan dan preferensi terhadap kepercayaan nasabah pembiayaan multijasa. Metode penelitian ini adalah pendekatan kuantitatif deskriptifdengan sumber data yang digunakan berupa data primer dan sekunder. Populasi penelitian yaitu, nasabah pembiayaan multijasa PT. Bank Pembiayaan Rakyat Syariah (BPRS) Fajar Sejahtera Bali dengan teknik pengumpulan data melalui angket/kuesioner dan dokumentasi. Teknik analisis data yang digunakan adalah ujiregresi linier berganda, uji parsial, uji simultan dan uji determinan dengan menggunakan SPSS (Statistical Package For Social Seince) versi 24. Berdasarkan hasil perhitungan uji regresi linier berganda dengan persamaan Y = 5,719 + 0.134X1 + 0,634X2 + e hasil koefisien korelasi secara terpisah diperoleh X1 5C sebesar 0,134 dengan nilai signifikan 0,037 < 0,05 sedangkan variabel X2 preferensi sebesar 0,634 dengan nilai signifikan 0,000 < 0,05 dengan secara simultan 30,761 dengan signifikan 0,00 besarnya nilai koefisien determinasi tersebut menunjukan adanya pengaruh antara 5C dan preferensi terhadap kepercayaan nasabah pembiayaan multijasa di PT. Bank Pembiayaan Rakyat Syariah (BPRS) Fajar Sejahtera Bali baik secara parsial atau terpisah maupun secara simultan.   ABSTRACTA person's behavior in deciding to choose a product for multi-service financing at any financial institution is definitely influenced by economic rationality, namely profit sharing, facilities, services, convenience, convenience and security of transactions. Because as an identity and also as a step to attract customers whose achievements are customer trust. The formulation of the research problems are (1) whether the process of providing financing can affect the trust of multi-service financing customers in PT. Fajar Sejahtera Bali Sharia People's Financing Bank? (2) Can preferences affect customer trust in multi-service financing? (3) Can the process of providing financing and preferences affect customer trust in multi-service financing? The purpose of this study was to determine (1) theeffect of the process of providing financing on customer trust in multi-service financing (2) the effect of preference on customer trust in multi-service financing (3) the effect of the process of providing financing and preferences on customer trust in multi-service financing. This research method is a descriptive quantitative approach with data sources used in the form of primary and secondary data. The study population, namely, multi-service financing customers of PT. Sharia People's Financing Bank (BPRS) Fajar Sejahtera Bali with data collection techniques through questionnaires / questionnaires and documentation. The data analysis technique used is multiple linear regression test, partial test, simultaneous test and determinant test using SPSS (Statistical Package for SocialSeince) version 24. Based on the results of the calculation of multiple linear regression with the equation Y = 5.719 + 0.134X1 + 0.634X2 + e, the results of the correlation coefficient are separately obtained by X1 5C of 0.134 with a significant value of 0.037 <0.05 while the variable X2 preference is 0.634 with a significant value of 0.000 <0 , 05 with 30.761 simultaneously with a significant 0.00 of the value of the coefficient of determination shows the influence between 5C and preferences on customer trust in multi-service financing in PT. Sharia People's Financing Bank (BPRS) Fajar Sejahtera Bali either partially or separately or simultaneously.

The growth of financial technology is filled by digital wallet competition in the industry, one of the most known digital payment in Indonesia is OVO. Even so, the obstacles that OVO has can make users switch to another mobile payment provider. This research aims to analyze the impact on continuance usage intention by customers’ trust, and examine factors that influence trust in terms of gender moderation, the theories developed in this study are Innovation Diffusion Theory and Trust Building Framework. The method used to process data in this study are SEM and PLS. The findings of this research state that continuance usage intention is positively influenced by trust. Trust is significantly influenced by reputation, followed by customization, security, and mobility.