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PayLater services are increasingly popular as a payment method that offers ease of transactions and financial flexibility for its users. However, this convenience can also increase consumptive behavior that has the potential to affect individual financial stability. This study aims to analyze the impact of PayLater service on consumption interest and lifestyle of PT Tripatra employees. This research uses a quantitative approach with a survey method. Data was collected through questionnaires distributed to PT Tripatra employees who use PayLater services. Data analysis was performed with descriptive statistical tests and linear regression to measure the relationship between PayLater usage, consumption behavior, and financial stability. The results showed that the PayLater service provided significant benefits in the ease of transactions and increased employee purchasing power. However, there is a positive correlation between the use of this service and an increase in consumptive behavior, including impulse purchases. This has the potential to reduce individual financial stability in the long run, especially for those who lack good financial literacy. Uncontrolled use of PayLater services can increase financial risk. Therefore, awareness and good financial literacy are needed so that the benefits of this service can be optimized without causing negative impacts. As a recommendation, companies are advised to provide financial education to their customers. 

This study aims to analyse and improve the efficiency of waiting lines in government institutions by identifying the reasons for the length of these lines, using modern technology, overcoming obstacles, and evaluating the impact of improvements on beneficiary satisfaction and service quality. The study is based on the descriptive analytical approach, and is based on a sample of 300 employees and customers. The results showed that improving the efficiency of waiting lines enhances beneficiary satisfaction and increases the efficiency of the institution by reducing waiting times and relieving pressure on beneficiaries, while lack of resources and ineffective technology hinder the implementation of effective management strategies. Based on these results, the study recommends increasing the number of employees, improving the technical infrastructure, adopting modern technology such as electronic reservation and electronic payment systems, enhancing training and awareness for employees, in addition to establishing an effective system for monitoring and evaluating performance to improve the efficiency of waiting lines and the quality of services provided.

This research was designed using Unified Modeling Language (UML) as a tool for visualizing system requirements. The system designed is expected to improve efficiency, accuracy and speed of service, thereby providing a better experience for customers and making it easier for Bank Sumut officers to manage registration data. The system development method used is waterfall. The research results show that the designed information system can automate various manual processes such as collecting prospective customer data, document validation, and managing account data. It is hoped that this management information system can be used to provide an overview of the applications that will be created to increase the Bank's operational productivity and minimize the potential for administrative errors, as well as supporting the digital transformation of Bank North Sumatra in facing competition in the banking sector.

Customer churn is a major challenge in e-commerce, directly affecting revenue and profit. This study aims to develop a machine learning model using XGBoost to predict churn probability. To handle class imbalance, SMOTE was applied as a resampling method, and hyperparameter tuning was performed to enhance performance. The model was evaluated using the F2-score, prioritizing recall while maintaining precision. The results show that the XGBoost model with SMOTE achieves strong performance, with an F2-score of 0.849 on the tuned test data. This model can help businesses identify at-risk customers early, enabling proactive retention strategies.

This research aims to explore how price and product quality influence purchasing decisions for Y.O.U cosmetics at Panda Lovely Jombang. Given the rapid growth of Indonesia's cosmetics market, Y.O.U has emerged as a local brand offering quality products at competitive prices. Panda Lovely, with its numerous branches across Java Island, is one of Y.O.U’s primary distributors. The study adopts a quantitative approach using associative methods, with data collected through questionnaires from 100 Panda Lovely Jombang customers. Multiple linear regression analysis was employed to examine the relationship between independent variables (price and product quality) and the dependent variable (purchase decisions). The findings reveal that both price and product quality, individually and combined, significantly impact purchasing decisions. Key factors influencing consumer choices include affordability, the alignment of quality with expected benefits, and product durability. This research offers valuable insights for both Panda Lovely managers and Y.O.U producers to refine marketing strategies that cater to consumer needs and preferences.

In the current era of globalization, the business world is experiencing rapid growth, particularly in the culinary industry. This business is directly related to the basic human need for food, which is one of the fundamental necessities for survival. The influence of product quality and price on customer satisfaction at Mie Gacoan Dr. Mansyur Medan has become an interesting topic for research, considering the critical role these two factors play in maintaining and enhancing customer satisfaction. Customer satisfaction is crucial for ensuring repeat customers and building brand loyalty, which is particularly important in the highly competitive food industry. This study aims to determine the extent to which product quality and price affect customer satisfaction at Mie Gacoan in Medan, focusing on students of the Business Administration Department at Politeknik Negeri Medan as the research subjects. This study employs a quantitative research method with a descriptive approach, including tests for validity and reliability, classical assumptions, and hypothesis testing. The hypothesis testing includes t-tests, F-tests, and an analysis of the coefficient of determination (adjusted R square). By understanding the relationship between product quality, price, and customer satisfaction, this research aims to provide valuable insights for improving service strategies and pricing models in the culinary business, ultimately helping Mie Gacoan improve its customer satisfaction and competitive edge in the market.

The development of e-commerce has transformed companies’ marketing communication strategies, including CV. Rintis Usaha Bersama, which operates in the sales of medical and industrial gas cylinders. Increasing competition has driven the company to optimize its digital communication strategies to enhance sales and maintain its market competitiveness. An effective marketing communication strategy is essential in attracting customers and fostering their loyalty. Therefore, this study aims to analyze the marketing communication strategies of CV. Rintis Usaha Bersama through e-commerce and evaluate their effectiveness in boosting product sales.  This research employs a qualitative method with an in-depth interview approach involving the company’s management. The analysis is conducted using the SOSTAC model, which includes situation, objectives, strategy, tactics, action, and control in digital marketing strategies. The findings indicate that CV. Rintis Usaha Bersama implements the 4P marketing communication mix (product, price, place, promotion) through e-commerce platforms such as Shopee and Tokopedia. The strategies adopted include clear product information dissemination, transparent pricing, promotional discounts, paid advertising, and flash sale campaigns. However, the main challenges faced by the company include intense price competition and an increasing number of competitors in the e-commerce sector. To improve the effectiveness of marketing communication strategies, the company is advised to develop educational content about its products, enhance customer engagement through responsive services, and collaborate with influencers or affiliate marketers to expand its audience reach. Regular evaluations are also necessary to ensure the strategies remain relevant to the dynamic market trends. 

The purpose of this research is to analyze the opinions and perceptions of the community around the Medan Area District regarding the role of Pegadaian Syariah as a non-usury practice in increasing public financial access. This research is quantitative research. Data analysis was carried out by distributing questionnaires to the community around the Medan Area District both via E-Form and in person.  This research was carried out at Sukaramai Market, Medan Area District. The data collection instrument consists of interview observation and documentation. Collecting data, researchers also used several measuring tools to determine the interests of Sukaramai market traders, Medan Area District, namely Knowledge, Information, Interest. To find out what the surrounding community thinks in this research, the researcher used interviews, namely by interviewing 3 people from the community around the Sukaramai market who are customers of the AR Hakim Branch Pegadaian Syariah.

The purpose of this study is to ascertain how well Bank Mayapada Wayhalim Functional Office evaluates credit applications by examining financial statements. In this study, quantitative methods are combined with descriptive research methods. The financial reports of bank customers from 2020 to 2022 that were gathered from bank paperwork make up the processed data. By conducting credit checks on potential borrowers and determining the curent ratlo, quiick ratlo, debt to equityy ratlo, debt to asset ratlo, proflt margln, return onn assets, and return ln equlty, anaIysis of flnancial statements was successful in improving bank effectiveness in managing liquidity, solvency, and profitability.

The Ake Gaale Regional Drinking Water Company as a public service company definitely put ther customer interests as the main thing. Perumdam Ake Gaale is required to strive to improve its services. This research was conducted with the aim of measuring the service performance of the Perumdam Ake Gaale using the Data Envelopment Analysis (DEA) method and as using the number of customers, air loss rate, number of arrears and air usage as input and income as outputas parametrs. From the research results, it was found that only 17 of the 27 sub districts that were assessed as having a score below 1 (efficient) showed poor performance so that they had no influence on service efforts to increase the company's income.

Banners are a simple yet highly effective promotional strategy for MSMEs. With attractive designs and strategic placement, banners can increase business visibility and attract more customers, thus contributing to local economic growth. The installation of banners as a promotional strategy for Micro, Small, and Medium Enterprises (MSMEs) has been proven effective in increasing product visibility and sales. The discussion in this Community Service activity report describes the activities to promote MSMEs that take place in the Sepinggan Baru village. So, to support these activities, visual media is needed that can help optimize the promotion of MSMEs by installing banners. Banners are designed in various sizes that can be attached to MSMEs, so that villagers who have MSMEs can easily place the position of the banners to be installed. KKN students of Sepinggan Baru Village who are banner instructors and help install banners and RT.17 community members are very enthusiastic and grateful for the banners we provide, because it makes it easier for them to promote their businesses. The results of this activity show that the objectives of the activity were carried out well and the residents of RT.17 Village Sepinggan Baru who have MSMEs were very appreciative.

Increasingly fierce business competition forces companies to look for innovations and strategies to maintain customer satisfaction and trust. PT Quinsha Trans Jaya, a tourism transportation services company, faced problems in providing service information and collecting customer feedback. To overcome this, a website-based customer relationship management system is needed. This system is expected to improve operational performance, facilitate purchases, and provide complete information to customers. The development of the system uses the Rational Unified Process (RUP) method and aims to help PT Quinsha Trans Jaya retain and attract new customers. The customer relationship management information system built will focus on service transactions through the website. Then this system has information features related to rentals and purchases as well as available promotions. There is also a reward feature, feedback from customers that helps companies increase customer loyalty.

The purpose of this community service activity is to enhance the innovation and product visualization of the Micro, Small, and Medium Enterprise (MSME) Dapur 80 to increase consumer awareness and familiarity with its products. Through observations and interviews, several challenges were identified, including Dapur 80 lacked a consistent visual identity, used simple product packaging, had an unorganized menu, and did not have an appealing business location marker. To address these issues, the activity focused on designing and producing menu catalogs, product stickers, and a neon box—each playing a crucial role in enhancing product appeal. The results indicated successful implementation: catalogs were distributed to resellers, 100 stickers were printed and applied to product packaging, and one neon box was installed at the business location. An evaluation with the owner revealed satisfaction with the developed promotional media. Within just ten days of use, Dapur 80 recorded an increase of 11 new customers. However, the project was limited by its relatively short duration of one month, which constrained the measurement of long-term impacts. Despite this limitation, the community service activity contributed significantly to improving Dapur 80’s sales performance, demonstrating that enhanced product visualization can attract consumer attention, stimulate demand, and increase turnover.

The apparel industry in Chengdu is transforming significantly due to integrating artificial intelligence (AI) technologies. This evolution aims to enhance consumer satisfaction by providing personalized shopping experiences, improving inventory management, and streamlining the supply chain. AI-driven algorithms analyze consumer behavior and preferences, allowing retailers to create tailored recommendations that align with individual tastes. Additionally, AI tools enable efficient inventory management by predicting trends and consumer demand, which helps reduce instances of overstock and stockouts. This optimization improves operational efficiency and ensures customers can find their desired products when visiting stores or online. This study was conducted through an online questionnaire distributed to 376 Chengdu participants to measure their attitudes toward AI improvement in the apparel industry. The findings underscore that innovative technology, perceived information quality, and perceived customization correlate with consumer satisfaction in AI experience improvement.    

This study aims to describe and analyze: The Effectiveness of Mobile Samsat Services in Serving Motor Vehicle Tax Payments in Lumajang Regency and the factors that affect the Effectiveness of Mobile Samsat Services in Serving Motor Vehicle Tax Payments in Lumajang Regency. The research is a qualitative descriptive analysis. The data analysis technique uses a technique developed by McNabb (2002), namely Grouping the data according to key constructs, identifying bases for interpretation, developing generalizations from the data, Testing Alternative interpretations and Forming and/or refining generalizable theory from case study. The results of the study show that the Mobile Samsat Service has been effective in increasing motor vehicle tax revenue. This program is designed to make it easier for people to pay vehicle taxes, thereby increasing accessibility and convenience. Despite challenges such as technical constraints and time constraints, feedback from the community has been generally positive, stating significant benefits of Samsat Roving in saving time and travel costs. Overall, the Mobile Samsat service in Lumajang Regency has succeeded in creating a mutually beneficial relationship between service providers and customers, which is expected to result in a more positive and trusting relationship between the parties involved. Ease and Accessibility of Services: Taxpayers feel more helped by the services that come directly to them, especially in areas far from UPT offices. The effectiveness of the Mobile Samsat in Lumajang Regency in increasing vehicle tax revenue is influenced by the ease of tax payment, strategic location and operational time, technology adoption, and consistent SOPs. Although it has had a positive impact, continuous efforts are needed to achieve greater inclusivity. These factors are important in improving the effectiveness of vehicle tax services and revenues.

Technological advancements encourage the culinary business sector to adopt digital systems to improve operational efficiency. One such innovation is a desktop-based food ordering application. Mona Cafe in Medan developed this system to make it easier for customers to place orders without waiting long or writing them down manually. This application allows customers to select menus digitally, making the ordering process more practical and efficient. Additionally, it helps waiters record and manage orders more systematically, reducing errors and speeding up service. This technology also aligns with the digitalization trend, especially in attracting millennials and Gen Z. Besides enhancing customer convenience, this application helps Mona Cafe stay competitive in the growing culinary business. Developed using the waterfall method, the system makes cafe operations more structured and professional. With this innovation, Mona Cafe is expected to improve its service quality and customer satisfaction

Business competition in the era of globalization has led various companies to compete in acquiring and maintaining their market share. This includes sectors such as trade, education, transportation, and others. This condition forces companies to develop appropriate strategies to achieve competitive advantage, ensuring they retain their market and win the competition. This research focuses on Sogo Surabaya, a shopping center visited by numerous consumers daily due to its strategic location in the city center, integrated with Tunjungan Plaza, and situated along a main road, making it easily accessible. Sogo Surabaya functions as a store providing various fashion-related needs, including formal attire such as suits and kebayas, as well as casual clothing for young people and teenagers, like t-shirts and jeans. The store atmosphere follows a typical shopping center design. Elements of the store atmosphere include interior design, product layout, air circulation, spatial arrangement, wall colors, room fragrance, furniture materials, and the products sold. The data used in this research is primary data obtained through questionnaires distributed to customers shopping at Sogo Surabaya. 

The formulation of the problem of this study is: 1) The number of customers who use the MyCargoo application is still small or the ordering process is still mostly done offline. 2) The high number of complaints from customers who use the MyCargoo application. The objectives of this study are 1) To describe the implementation of MyCargoo at PT Pelni (Persero) Jayapura Branch, 2) To describe the obstacles to using MyCargoo at PT Pelni (Persero) Jayapura Branch. The research method used is descriptive qualitative research. This research was conducted at PT Pelni (Persero) for 3 months, starting from February 2023 to May 2023. The data collection techniques used were by observation, interviews, documentation, and literature studies. While the informants in this study were the staff of the cargo division of PT Pelni Jayapura Branch. The results of this study are the implementation of MyCargoo at PT Pelni (Persero) Jayapura Branch, there are 2 types, namely 1) Implementation of My Cargoo Application services at PT Pelni Jayapura Branch, namely: a.) According to the type of service, including: Door to door (Full Service), Door to port, Port to Door, Port to port. b.) According to the type of load, including: Dry Container, Cargo, Motor Vehicles, Redpack, Car Vehicles, Reefer Containers. 2) Constraints from the Use of MyCargoo at PT Pelni (Persero) Jayapura Branch, namely: a.) Unstable Network, Electrical Short Circuit, MyCargoo Features are Still Minimal, Low Public Knowledge.

This research aims to find out how much influence local wisdom and service quality have on purchasing decisions with price as an intervening variable at the Bebek Sawah Restaurant in Padang City. The population in this study is unknown, therefore this study uses the ferdinant formula. and the sample used in this research was Bebek Sawah customers in Padang City, namely 68 people. The method used is Structur Equation Modeling (SEM) with Particular Least Square (PLS) 3.0. by using a questionnaire as many as 68 respondents. The results of data analysis conclude that there is a positive and significant influence of local wisdom variables on purchasing decisions. There is a positive and significant influence of service quality variables on purchasing decisions. There is a positive and significant influence of the price variable on the purchasing decision variable. There is a positive and insignificant influence of the local wisdom variable on the purchasing decision variable through the price variable as an intervening variable. There is a positive and insignificant influence of the service quality variable on the purchasing decision variable through price as an intervening variable.

This study aims to determine the influence of taste and price on consumer satisfaction in Rantauprapat Millennial Warkop. This type of research is associative research. Data collection in this study was carried out through a survey approach with a type of quantitative descriptive research by distributing questionnaires to 100 respondents, while the population used in this study was millennial warkop customers of Rantauprapat. Data collection techniques are carried out by interviews, questionnaires and documentation studies. The data analysis tool used in this study uses SPSS. The data analysis technique in this study is descriptive analysis. The results of this study show that taste and price affect customer satisfaction at Rantauprapat Millennial Warkop.