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The development of digital technology has driven the transformation of financial services, including in Islamic microfinance institutions. One form of innovation is the implementation of mobile banking services, which aims to improve transaction efficiency and digital financial literacy among the public. This study aims to analyze customer perceptions of the Mobile UGT service program at BMT UGT Nusantara Labang Branch and its role in improving digital financial literacy among the public. This study uses a qualitative approach with a descriptive method. Data was collected through in-depth interviews, observations, and documentation of five active customers who have used the Mobile UGT service. The results show that customers generally have a positive perception of the Mobile UGT service. The application is considered easy to use, practical, and able to facilitate various financial transactions such as checking balances, transferring funds, and making payments, without having to come directly to the BMT office. In addition to increasing transaction efficiency, the use of Mobile UGT also contributes to improving customers' digital financial literacy, as reflected in their increased understanding of income and expenditure management, budget planning, utilization of digital transaction features, and awareness of data and account security. However, this study also found several obstacles, mainly related to technical disruptions to the application and internet network limitations. Overall, the Mobile UGT service plays an important role in supporting customers' financial independence and digital financial inclusion. This study recommends strengthening technological infrastructure and continuing education programs to optimize the benefits of digital financial services in the BMT environment.

Using a systematic literature review approach to various previously published studies, this research investigates the influence of consumer nationalism on the intention to purchase domestic products. The purpose of this study is to find patterns of results, influencing components, and the impact of consumer nationalism on their behavior when purchasing local products. Data were collected from articles in relevant national and international journals, particularly those discussing ideas about consumer nationalism, consumer ethnocentrism, and factors determining purchase intention. The findings of the study indicate that consumer nationalism has a positive and significant effect on consumers' intention to purchase domestic goods. A number of variables, including product quality perceptions, price sensitivity, cosmopolitanism levels, and consumer demographics, especially Generation Z, who tend to be involved in the digital world, influence this effect. In addition, this study found that customer awareness, attitudes, and preferences towards local products are influenced by social media and digital campaigns such as the Bangga Buatan Indonesia (Proudly Made in Indonesia) program. The results of this study provide strategic benefits for businesses when they develop marketing plans based on the value of nationalism. These results can also be used as a reference for public policies aimed at increasing consumption and competitiveness of domestic products through the implementation of such policies.

PT Pos Indonesia (Persero), as a long-established Indonesian state-owned enterprise, faces increasing competitive pressure in the logistics industry due to the rapid growth of e-commerce and the emergence of digital-based private courier services. This study focuses on the Pati Branch Post Office, which has experienced rising delivery demand while continuing to encounter challenges related to service quality, promotional effectiveness, and customer price perceptions—factors that potentially influence customer satisfaction. The study aims to analyze the partial and simultaneous effects of service quality, promotion, and pricing on customer satisfaction at the Pati Branch Post Office. A quantitative research approach was employed using survey data collected through questionnaires distributed to customers. The data were analyzed using multiple linear regression to examine the relationships among variables. The results indicate that service quality is the most dominant factor influencing customer satisfaction. Promotion and pricing also have a statistically significant effect, although their influence is relatively weaker compared to service quality. These findings highlight the importance for PT Pos Indonesia to prioritize improvements in service reliability, responsiveness, and assurance to enhance the overall customer experience. In addition, strengthening digital-based promotional strategies and implementing value-based pricing are shown to positively shape customer perceptions. Overall, this study concludes that improving customer satisfaction at the Pati Branch Post Office is primarily driven by service quality enhancement, supported by effective promotion and appropriate pricing strategies aligned with customer value expectations.

In response to the escalating challenge of packaging waste in the beauty industry, The Body Shop Indonesia has implemented a Green Marketing Mix through its Bring Back Our Bottles (BBOB) and Refill Station programs. This study aims to analyze the strategic implementation of this approach, assess consumer perceptions and engagement, and explore the inherent challenges and opportunities for future development. Employing a qualitative case study approach, the research collected data from five respondents who are The Body Shop consumers with prior participation in either the BBOB or Refill Station programs. Data were gathered through semi-structured interviews, observation, and a comprehensive literature review. Thematic analysis was subsequently performed, with findings validated through source and method triangulation. The results indicate that The Body Shop’s Green Marketing Mix has been effectively implemented, particularly in the elements of product (environmentally friendly packaging), promotion (campaigns via digital and print media), and physical evidence (store design that promotes a natural ambiance). Despite positive consumer responses and a strengthened brand image, persistent obstacles were identified, including limited access to program locations and insufficient information dissemination. The programs were found to be effective in enhancing customer loyalty and hold significant potential for expansion, particularly through targeted education and collaborative initiatives with youth communities. This study recommends expanding the programs’ geographical coverage, strengthening digital communication, and establishing strategic community partnerships. The findings are expected to make a meaningful contribution to the development of sustainable green marketing strategies within the beauty industry.

This study is intended to identify the impact of Online Customer Reviews and Product Quality Perceptions on Skintific Purchase Decisions on TikTok Shop. This study applies a quantitative approach through causal methods. Involving 96 respondents who have purchased and used Skintific products on the platform. Data analysis was carried out through the stages of classical assumption tests (normality, multicollinearity, and heteroscedasticity), and used multiple linear regression to test the research hypothesis. The findings show that online customer reviews and product quality perceptions have a positive and significant influence on purchase decisions, both when tested individually and together. The adjusted coefficient of determination (Adjusted R²) reaches 0.875, which means that 87.5% of the variation in purchase decisions can be explained by the two independent variables, while the remaining 12.5% is influenced by external elements outside of this model. Among the two variables studied, Online Customer Reviews were proven to have a dominant influence on Purchase Decisions, with a higher Beta value than Product Quality Perception. This conclusion emphasizes that positive reviews from customers and a good view of product quality are the main drivers for consumers to purchase Skintific products on TikTok Shop. Thus, companies are advised to maintain product reputation through consistent quality as well as optimize digital communication strategies based on customer reviews to improve consumer purchasing decisions.

The increasing volume of online hotel reviews provides valuable insights into customer perceptions but poses challenges for manual analysis due to its unstructured nature. This study aims to compare the performance of Recurrent Neural Network (RNN) and Bidirectional Encoder Representations from Transformers (BERT) in hotel review sentiment analysis. A total of 20,491 TripAdvisor hotel reviews were classified into three sentiment categories: negative, neutral, and positive. The research methodology includes text preprocessing, stratified data splitting, class imbalance handling using Random Over-Sampling, tokenization, and supervised model training. Model performance was evaluated using a confusion matrix and classification metrics. The results indicate that BERT outperforms RNN, achieving an accuracy of 80.54%, while RNN reached 62.21%. BERT demonstrated superior capability in capturing contextual and semantic information in hotel reviews. These findings suggest that transformer-based models are more effective for sentiment analysis of complex textual data in the hospitality domain and can support data-driven service improvement strategies.    

The rapid growth of e-commerce platforms in Indonesia, particularly Tokopedia, has resulted in a large volume of consumer reviews containing valuable information regarding customer perceptions and satisfaction. However, manual analysis of such reviews is inefficient and prone to subjectivity, necessitating an automated approach based on machine learning. This study aims to classify the sentiment of sports product reviews on Tokopedia into positive, negative, and neutral categories by applying Logistic Regression, Support Vector Machine (SVM), and Random Forest using the Term Frequency–Inverse Document Frequency (TF-IDF) approach. The data were collected through web scraping of Indonesian-language sports product reviews and processed through several preprocessing stages, including data cleaning, case folding, tokenization, stopword removal, and stemming. Feature representation was performed using TF-IDF to transform textual data into numerical vectors, after which the dataset was divided into training and testing sets with an 80:20 ratio. Model performance was evaluated using accuracy, precision, recall, and F1-score metrics. The results indicate that the application of TF-IDF significantly improves the performance of all models, with SVM consistently achieving the most optimal performance compared to Logistic Regression and Random Forest. These findings demonstrate that classical machine learning algorithms combined with TF-IDF remain highly effective for sentiment analysis of Indonesian-language text. The implications of this study are expected to assist sellers in understanding customer opinions, support consumers in making informed purchasing decisions, and serve as a foundation for the development of sentiment analysis and recommendation systems on e-commerce platforms.

This study aims to analyze the application of the franchising system on business performance in the beverage franchise business through a case study of Mitra Minuman Siap Saji. The approach used is qualitative with a case study design, with data collection techniques in the form of in-depth interviews, operational observations, and supporting documentation. The results show that the implementation of standardized Standard Operating Procedures (SOPs), franchisor support in the form of training, raw material supplies, and periodic monitoring contribute significantly to improving business stability, product quality consistency, and customer satisfaction. However, there are limitations in flexibility and several communication obstacles that have the potential to affect the effectiveness of the partnership. The relatively strict contract structure also impacts partners' perceptions of local innovation space, although it is generally still viewed as providing business security and business model clarity. These findings emphasize that a balance between franchisor control and partner autonomy, accompanied by open communication and fair contract design, is a key factor in creating sustainable business performance in a franchising system.

This research aims to explore the role of service excellence in enhancing consumer loyalty in culinary MSMEs, with a case study at RM Kamang Jaya in Medan City. In facing intense competition in the food industry, excellent service becomes an important strategy to maintain and expand the customer base. A qualitative approach with a case study method was employed to deeply examine customer experiences, perceptions, and service practices through interviews, observations, and documentation. The findings show that the consistent application of service standards, friendly attitudes of staff, and attention to detail in service delivery greatly contribute to customer satisfaction and loyalty. Good service has been proven to encourage repeat orders, create positive experiences, and enhance word-of-mouth promotion. Despite some technical obstacles, such as order errors or menu limitations, the quick response and professional attitude of employees were able to minimize their impact. These findings confirm that service excellence not only meets the functional needs of consumers but also builds emotional attachment, which becomes the foundation of long-term loyalty. The implications of this research are significant for other MSME actors in designing superior service strategies to face increasingly complex business competition.

This study aims to analyze the implementation of Total Quality Management (TQM) in improving service quality at KPUD Tani Wilis, particularly in the supply and distribution of livestock feed. The research employs a descriptive qualitative approach with data collected through in-depth interviews and direct observations involving cooperative management, employees, and customers. Data were analyzed using an interactive model consisting of data reduction, data display, and conclusion drawing. The findings indicate that TQM implementation has been relatively effective, reflected through three key components: customer value strategy, organizational systems, and continuous quality improvement. Services are perceived as responsive, polite, and informative, supported by adequate delivery facilities. The main challenge lies in occasional delays in feed delivery caused by weather conditions, which affect customer perceptions of reliability. Overall, TQM contributes positively to service quality, customer satisfaction, and operational effectiveness, although further improvements in risk management and service consistency are needed to achieve optimal quality.

This study aims to analyze traders’ perceptions and behaviors toward the implementation of sharia principles in Islamic banking products and services. A descriptive qualitative approach was employed, involving traders at Parung Market selected through purposive sampling. Data were obtained through in depth interviews, observations, and documentation, then analyzed using thematic analysis through coding, categorization, and pattern identification. The findings reveal that most traders hold positive perceptions of core Islamic banking values such as fairness, transparency, and the prohibition of usury. However, their understanding of sharia contracts varies and is not fully comprehensive. Despite these positive perceptions, actual behavior does not always align, as traders often prefer conventional banks for business transactions requiring speed, efficiency, and more reliable digital services. This indicates a clear gap between religious intentions and economic practices, commonly referred to as the intention behavior gap. The study concludes that improving Islamic financial literacy, strengthening digital service innovation, and enhancing service quality are essential to promoting wider adoption of Islamic banking products.

This study aims to examine how Generation Z in Sukoharjo Regency makes iPhone purchases based on their impressions of the brand and product quality. Generation Z is known to be highly tech-savvy, analytical, and selective in purchasing goods, especially mobile phones. With rapid technological advancements and intense competition among smartphone brands, it is crucial for companies to understand what aspects influence young consumers' purchasing decisions. We used a quantitative approach based on survey data obtained from 30 individuals who are current iPhone users or are considering purchasing one.The decision to buy is the dependent variable in this study, whereas product quality and brand perception are the independent variables. This data analysis examines whether these two separate factors influence customer purchasing decisions. According to the study, Generation Z purchases iPhones based on brand and product quality. Based on these findings, attracting young consumers as buyers depends on positive brand perceptions and high-quality product offerings. Marketing academics, especially those specializing in consumer behavior, can benefit from the theoretical contributions of this study, while business owners and marketers can use the practical implications of this research to better target Generation Z in the digital age. Gen Z's smartphone purchases are heavily influenced by brand image and quality.

This study aims to analyze the brand equity strategy and perception of Tomoro Coffee Blimbing based on four main dimensions: brand awareness, brand association, perceived quality, and brand loyalty. A descriptive qualitative approach was used through in-depth interviews with management, baristas, and customers. The data were then analyzed thematically through data reduction, presentation, and conclusion drawing. The results show that Tomoro Coffee's brand awareness is strongly formed through store expansion, social media activities, and a memorable slogan. Brand associations are perceived as modern, aesthetic, and closely related to youth lifestyles, although there is still a conflict between premium and economical images. Regarding quality perceptions, customers value consistent coffee taste and service, but perceived value is still influenced by promotions. Customer loyalty varies, with some indicating repeat visits due to quality, while others rely on promotions and situational needs. This study concludes that Tomoro Coffee's brand equity is quite strong, but needs to be strengthened with perceived value and fostering emotional loyalty. The implications of these findings can inform the development of marketing strategies and brand management in the increasingly competitive coffee shop industry.

This study aims to explore how gold price volatility influences customers’ investment decisions in Islamic banks within the framework of Islamic values. Employing a qualitative phenomenological approach, the research investigates the perceptions, motivations, and strategies of twelve active customers of Bank Syariah Indonesia in Surabaya through in-depth interviews. The findings reveal that gold price volatility does not necessarily reduce investment interest; instead, it stimulates adaptive and reflective behavior grounded in religious commitment and Islamic financial literacy. Investment decisions are shaped by three main factors: rational risk perception, religious conviction in the permissibility of gold as an Islamic instrument, and trust in the integrity of Islamic financial institutions. Thus, gold price volatility is interpreted not only as an economic signal but also as a social and spiritual phenomenon that fosters financial maturity among investors. The study concludes that faith-driven investment behavior contributes to financial resilience and moral stability amid market uncertainty. These insights enrich the field of Islamic behavioral finance by highlighting the integration of economic rationality and spiritual values in investment decision-making.

The rapid growth of modern retail competition requires companies to understand key drivers of consumer purchasing behavior, particularly impulse buying. This study examines the influence of price perception on impulse buying, with positive emotion as the mediating variable. Data were collected from 100 Circle K customers in Denpasar City using a purposive sampling method. Responses were collected through questionnaires and analyzed using Path Analysis and Sobel Test. The findings show that price perception has a positive and significant effect on impulse buying and positive emotion, and positive emotion has a positive and significant effect on impulse buying. Further, positive emotion is a significant mediator in the relationship between price perception and impulse buying. These findings support Cognitive Appraisal Theory, suggesting that favorable price perceptions of sales promotions can evoke positive emotional responses, which in turn encourage impulse buying behavior among Circle K customers in Denpasar City.

Rapid technological advancements have encouraged smartphone sellers to emphasize good product quality to meet customer needs in order to achieve customer satisfaction and repurchase intentions. A positive brand image and good perceived value are important factors in building customer satisfaction, which ultimately impacts repurchase intentions. This study aims to examine the influence of product quality, brand image, and perceived value on customer satisfaction and thus increasing repurchase intentions. The study was conducted in Jakarta with a descriptive causality design through a quantitative approach and purposive sampling technique. Data were obtained from 131 respondents who have used an iPhone. The conceptual model analysis was conducted using the Structural Equation Modeling method. The results show that product quality, brand image, and perceived value significantly increase customer satisfaction. Furthermore, customer satisfaction has been shown to encourage repurchase intentions. In addition, product quality, brand image, and perceived value each have a positive influence on repurchase intentions through the mediation of customer satisfaction. Thus, all hypotheses of this study are proven to have a positive influence. The contribution of this research is expected to provide understanding for producers in developing their business, as well as being a reference for developing marketing strategies that emphasize improving product quality, building a strong brand image, managing value perceptions, and increasing customer satisfaction in order to attract consumer interest in repeating the same product.

This study aims to evaluate improvements in customer service quality with the goal of increasing customer satisfaction at Ratu D'Laundry. The approach used is quantitative with a descriptive methodology, where data is collected through a survey that measures five main aspects, namely service quality, process speed, price and promotions, customer service, and overall satisfaction and loyalty levels. The results of this study indicate that most customers are satisfied with the services provided, especially in terms of laundry cleanliness, clothing fragrance, and the friendly attitude of staff in providing services. These results show that these factors play an important role in shaping customers' positive perceptions of service quality. However, this study also found several complaints related to service completion time, which is considered to still need improvement. Overall, this study confirms previous findings that service quality has a significant impact on customer satisfaction. The proposed strategy to improve service completion time is a key step in building trust, meeting consumer expectations, and encouraging long-term customer loyalty.

This study aims to analyze the transformation of promotional strategies among Micro, Small, and Medium Enterprises (MSMEs) in Suka Makmur Village after utilizing Google Maps as a digital marketing platform. The research focuses on identifying changes in promotional approaches, MSME owners’ perceptions of the effectiveness of Google Maps, and its impact on business visibility and sales performance. The study employed a participatory approach through the Community Service Program (KKN), consisting of several stages, including surveys, socialization, training, and direct mentoring. The research subjects comprised three MSMEs: Seblak Prasmanan, Warung Kopi, and Rumah Jajan By Nisa. The findings indicate that, prior to the intervention, promotional activities were predominantly traditional and limited in reach. After adopting Google Maps, the businesses became more easily discoverable, received positive reviews, and successfully reached customers beyond the local area. This study concludes that the effective use of Google Maps enhances the digital identity of MSMEs, broadens market reach, strengthens competitiveness, and contributes to the local economic growth of Suka Makmur Village.

This study aims to examine the effect of product quality, promotion, and price perception on customer satisfaction at Mie Gacoan in Kutabumi, Tangerang Regency. The study population consists of consumers who have purchased Mie Gacoan, with a sample of 100 respondents selected using a non-probability sampling technique. Data was collected through questionnaires and analyzed using SPSS version 22. This study investigates the relationship between the independent variables (product quality, promotion, and price perception) and the dependent variable (customer satisfaction). The results of the analysis show that product quality, promotion, and price perception have a positive and significant effect on customer satisfaction at Mie Gacoan. High product quality, attractive promotions, and reasonable price perceptions contribute to increased customer satisfaction, which in turn can lead to greater loyalty and repurchase intentions. Based on these findings, it is recommended that Mie Gacoan management continuously improve their product quality and promotions, as well as maintain a favorable price perception among consumers. Enhancing these factors is expected to attract more customers and improve Mie Gacoan’s competitiveness in the market, particularly in the Kutabumi area and its surroundings. Therefore, this study provides valuable insights for marketing strategies and business development at Mie Gacoan, contributing to the growth and success of the brand in the competitive food service industry.

In today’s digital era, the demand for fast, stable, and affordable internet services continues to grow alongside the rapid advancement of communication technology. Biznet Network, as one of the leading internet service providers in North Jakarta, is required to deliver optimal service quality and competitive pricing in order to maintain customer loyalty. This study aims to examine and analyze the influence of service quality and price on customer loyalty toward Biznet Network. The research employed a descriptive quantitative method with a sample of 100 respondents selected using purposive sampling from the population of Biznet customers in North Jakarta. Data were collected through observation, interviews, and questionnaires using a Likert scale, and then analyzed using validity and reliability tests, classical assumption tests, multiple linear regression analysis, t-tests, F-tests, and the coefficient of determination (R²). The findings reveal that service quality (X₁) has a significant negative effect on customer loyalty (Y), with a calculated t-value of -2.270 greater than the critical t-table value of 1.984, indicating that a decline in service quality leads to decreased customer loyalty. Similarly, price (X₂) has a significant negative effect on customer loyalty, with a calculated t-value of -2.023 > 1.984, suggesting that unfavorable pricing perceptions reduce loyalty. The F-test results show that service quality and price simultaneously have a significant effect on customer loyalty, with an F-value of 7.686 > 3.09 and a significance level of 0.001 < 0.05. The R² value of 0.137, or 13.7%, indicates that these two variables explain customer loyalty, while the remaining 86.3% is influenced by other factors not examined in this study.