Publication Search

67,732 articles from 582 journals · 1,699 citations tracked

Showing 441-460 of 1,313

Analytics

Adhar Dwi Irjanto; M. Ikhsan F

Logistics and Supply Chain Insights 2025 Indonesian Maritime Researchers and Lecturers

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.

Junita Lubis; Novrihan Leily Nasution

Jurnal Ekonomi, Akuntansi, dan Perpajakan 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

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.   

Asst. lecture .Hassan D Obaid

Jurnal Publikasi Ekonomi dan Akuntansi 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study examines the effective role played by corporate governance in promoting e-marketing strategies, through an applied study conducted on Al-Rasheed Bank - Palestine Street Branch. In light of the rapid developments in the digital field, organizations are increasingly relying on e-marketing tools to improve their performance, making it necessary to apply governance principles to ensure the highest levels of efficiency, transparency, and credibility. The study aims to illustrate how governance can contribute to improving the performance of e-marketing in financial institutions, With a focus on Al-Rasheed Bank as an applied model. The study seeks to achieve several objectives, including analyzing the impact of governance mechanisms on e-marketing strategies, and knowing the extent to which the application of governance is related to achieving institutional goals and improving marketing efficiency. It also aims to study how governance contributes to building a transparent and secure relationship between the organization and its customers, which enhances loyalty and expands the customer base. In addition, the study highlights the challenges that organizations may face in applying governance to e-marketing and proposes solutions to address them. The study showed that there is a strong relationship between corporate governance and e-marketing, as governance helps in defining the goals and vision of the organization, which ensures that e-marketing strategies are compatible with the general directions of the organization. Enhancing transparency and accountability also contributes to building customers' trust in the organization, which increases their positive interaction with its marketing strategies. Moreover, governance helps ensure compliance with legal and ethical standards, which enhances the organization's reputation in the market and reduces the legal risks it may face. The study relied on the descriptive and analytical approach to analyze the relationship between governance and e-marketing, with a focus on data related to Al-Rasheed Bank - Palestine Street Branch. A simple random sample of 50 employees from different departments within the bank was selected. Statistical analysis was also used to measure the impact of governance on the efficiency of e-marketing within the organization. The results of the study showed that 84% of employees believe that corporate governance plays a key role in the success of digital marketing campaigns, reflecting a broad awareness of the importance of regulatory frameworks and corporate policies in guiding digital marketing operations. 73% of employees also confirmed that there are clear governance policies within the bank, which enhances confidence in the corporate system. With regard to customer trust, 79% of employees indicated that governance contributes to improving the level of trust in the electronic services provided by the bank, while 73% of them believe that governance positively affects the process of strategic decision-making in e-marketing. Also, 71% of employees reported that there is an effective system to monitor the performance of digital marketing campaigns, which helps to evaluate performance and improve strategies based on the results achieved. However, the study noted that there are some challenges facing the implementation of governance in the field of e-marketing. 33% of employees indicated that there is a lack of regular training programs on governance practices, which may negatively affect the effectiveness of their implementation. 38% of respondents also showed weakness in the mechanisms for evaluating the effectiveness of governance in improving e-marketing. In addition, 45% of employees indicated that there are gaps in communication between the governance department and the e-marketing department, which calls for improving channels Communication to ensure the integration of efforts between different departments. Based on these results, the study provided a set of recommendations aimed at improving the application of governance in e-marketing. Among these recommendations is the need to organize training workshops to familiarize employees with governance practices and their importance in improving marketing performance. The study also recommended the use of key performance indicators (KPIs) to conduct periodic evaluations and improve marketing strategies based on the results of these evaluations. In addition, the study stressed the importance of strengthening coordination between governance and e-marketing departments to ensure the integration of efforts and achieve Better results. It also recommended updating governance policies to keep pace with developments in the field of e-marketing, in order to contribute to supporting innovation and creativity in digital marketing strategies. In conclusion, the study confirmed that corporate governance plays a vital role in improving the efficiency of e-marketing, which contributes to enhancing customer confidence, achieving regulatory compliance, and increasing the effectiveness of marketing campaigns in financial institutions, especially in Rasheed Bank. She also stressed the importance of developing periodic training and evaluation strategies to ensure the optimal application of governance principles, in a way that enhances the performance of institutions in the changing digital environment.

M.Masrukhan; Widia Roker

Jurnal Manajemen Pariwisata dan Perhotelan 2025 International Forum of Researchers and Lecturers

This study aims to analyze the Public Relations (PR) strategies implemented by Sahid Raya Hotel & Convention Yogyakarta to enhance the competitiveness of the hospitality business. PR strategies play a crucial role in building a positive image, attracting new customers, and retaining customer loyalty. The method used is descriptive qualitative with a case study approach. Data were collected through interviews, observations, and document analysis. The results show that PR strategies involving social media, promotional events, and media relations have improved the hotel's visibility and image. Supporting factors include managerial support, strategic partnerships, and technological innovation. However, challenges such as budget constraints and digital literacy remain. This study provides recommendations to strengthen PR strategies, including the development of customer loyalty programs and regular evaluations.

Eka Tripustikasari

Jurnal Pengabdian dan Kesejahteraan Masyarakat 2025 Lembaga Pengembangan Kinerja Dosen

Financial management can improve financial management well and have an impact in the future, including future threats that cannot be predicted to be able to face emergency funds. Emergency funds can provide a sense of security to face events that cannot be predicted in advance. The aim of this training is to increase insight into emergency funds among the Banyumas community, especially for customers of state-owned banks in Banyumas Regency branches. From this training it can be concluded that financial management has an important role in the financial management process, both sources of income and expenditure management. And it was also found that 97% of the 34 participants felt that emergency funds were important, but only 20 people currently had emergency funds.

Rahul Fadrian; Vicky Brama Kumbara; Agam Mei Yudha

Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This study aims to test how much influence Product Quality and Brand Equity have on Consumer Purchasing Decisions by Increasing Sales as an Intervening Variable on Scarlet Whitening Skincare Products (Case Study on Students of Putra Indonesia University "YPTK" Padang). The sample in this study amounted to 108 respondents in scarlet whitening skincare customers. This population is 2021 management students of Putra Indonesia University YPTK Padang.The results of this study are (1) There is a positive and significant influence between Product Quality on Sales Increase in Scarlet Whitening Skincare Products. (2) There is a positive and significant influence between Brand Equity on Sales Increase in Scarlet Whitening Skincare Products. (3) There is a positive and significant influence between Product Quality on Purchasing Decisions on Scarlet Whitening Skincare Products. (4) There is a negative and insignificant influence between Brand Equity on Purchasing Decisions on Scarlet Whitening Skincare Products. (5) There is a positive and significant influence between Sales Increase on Purchasing Decisions on Scarlet Whitening Skincare Products. (6) Sales Increase mediates Product Quality on Purchasing Decisions on Scarlet Whitening Skincare Products (7) Sales Increase mediates Brand Equity on Purchasing Decisions on Scarlet Whitening Skincare Products.

Imam Gozali

DHARMA EKONOMI 2025 sekolah Tinggi Ilmu Ekonomi Dharmaputra Semarang

As time goes by, the combination of store atmosphere, service quality and visual merchandising has become an important factor for cafe business owners and customers in choosing a place to gather and chat over coffee.  This research aims to analyze the influence of store atmosphere, service quality and visual merchandising on purchasing decisions for Mr. customers. K cafe BSB City Semarang. The population in this study were all customers who visited using a non-random sampling technique, totaling 96 respondents using accidental sampling. As for collecting data by distributing questionnaires to respondents who happen to be found. The results of the analysis show that store atmosphere and service quality have a positive and significant effect on purchasing decisions, while visual merchandising has a negative and insignificant effect on purchasing decisions.

Ariqah Nur Faizah; Mawar Mawar

Parlementer : Jurnal Studi Hukum dan Administrasi Publik 2025 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

At present, competition in the banking industry is very tight and each banking company competes in prioritizing their strategies to improve the quality of the services they provide to their customers. One of the keys to producing quality services is by conducting human resource development activities. To support this, PT Bank BNI has several programs that are used to improve the competence of employees including the Daily Exercise Employee Program 46 (DEEP 46), BNI Smarter, and trainings that are usually held by the BNI Corporate University (BCV) division. The purpose of this study was to determine and analyze human resource development and to determine the supporting and inhibiting factors at PT BNI (Persero). The research method used in this research is descriptive qualitative. The data collection techniques used are interviews, documentation, and observation. The results of the research on human resource development at PT Bank Negara Indonesia (Persero) from three indicators, namely, (1) Knowledge, there are still employees who do not understand the material and conduct their own class sessions with employees who are better at mastering the material that has been taught during training activities, (2) Skills (ability), there are still obstacles that affect the performance of employees, (3) Skills, there are still employees whose abilities do not develop after participating in training activities.

Elsie Naresvari; Susetyo, Yeremia Alfa

IT-Explore: Jurnal Penerapan Teknologi Informasi dan Komunikasi 2025 Fakultas Teknologi Informasi, Universitas Kristen Satya Wacana

UMKM Jemari Ragil has successfully digitized its business by joining the e-commerce platform Shopee since September 2023 and reached international markets such as Malaysia. Although marketing strategies through Instagram, WhatsApp, and TikTok are effective, challenges arise from the limited understanding of technology by customers, who often need guidance in using E-commerce. This research aims to implement React JavaScript for the Jemari Ragil' MSME website. The goal is to overcome the main obstacles faced by the owner of Jemari Ragil. The research method includes problem and needs analysis, design and system design, implementation or application development, and system testing. The result of this research is the successful implementation of JavaScript React to build an efficient and interactive MSME website interface. Through the results of Usability Testing system testing and measured using the System Usability Scale (SUS) which resulted in a score of 76 with a good category, indicating that the system can be accepted by users and meets the established usability standards.

Nur Hidayah; Djoko Widagdo

Jurnal Transformasi Bisnis Digital 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Service quality is a service that has a characteristic quality. Characteristics of good quality include ease, speed, accuracy, reliability and empathy from service officers in providing and delivering services to someone who has a strong impression that can be directly felt by customers at that time and at that time. This study uses a quantitative method. It can be concluded that the service quality variable (X) has a significant influence on applicant satisfaction (Y) at the Bima Immigration Office. The sig value (0.000) <0.05 is seen, which means that the quality of Passport services has an influence on the satisfaction of applicants at the Class II Non-TPI Bima Immigration Office.This study uses a quantitative method. The method used to obtain data and information in this study is by using a survey method using a questionnaire. The survey method used is by distributing questionnaires to applicants at the Class II Non-TPI Bima Immigration Office. The data analysis techniques used are validity test, reliability test, classical assumption test, significance test (t-test), and coefficient of determination test (R2 test).The discussion of the research aims to provide results and an overview of this research. According to the results of data analysis with simple linear regression, it shows that the variable X or service quality has an influence on the variable Y or passport applicant satisfaction with a significant value of service quality (X) on passport applicant satisfaction (Y) of 0.000 <0.05. In this study, the variable Service Quality (X1) has an influence on applicant satisfaction (Y), because if the quality of service (X) provided by the officer to the applicant is bad, it will cause dissatisfaction of passport user applicants, thereby reducing the applicant's loyalty in using services at Bima Immigration. And the value of the coefficient of determination or R square is 0.768, meaning that the service quality variable contributes 0.768 or 76.8% to passport applicant satisfaction.

Dalila Putra; Yulasmi Yulasmi; Yeki Candra

Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This study aims to test how much influence Price and Customer Experience have on Sales Level with Brand Image as an Intervening Variable at Kopi Kenangan Ruko Sutomo in Padang City. The sample in this study amounted to 100 respondents on customers at Kopi Kenangan. This population is customers of Kopi Kenangan Ruko Sutomo in Padang City. The results of this study are (1) There is a positive and significant influence between Price and Brand Image at Kopi Kenangan Ruko Sutomo in Padang City. (2) There is a positive and significant influence between Customer Experience and Brand Image at Kopi Kenangan Ruko Sutomo in Padang City. (3) There is a positive and significant influence between Price and Sales Level at Kopi Kenangan Ruko Sutomo in Padang City. (4) There is a negative and insignificant influence between Customer Experience and Sales Level at Kopi Kenangan Ruko Sutomo in Padang City. (5) There is a positive and significant influence between Brand Image and Sales Level at Kopi Kenangan Ruko Sutomo in Padang City. (6) Brand Image is able to mediate Price and Sales Level at Kopi Kenangan Ruko Sutomo in Padang City. (7) Brand Image is able to mediate Customer Experience and Sales Level at Kopi Kenangan Ruko Sutomo in Padang City.

Sherly Rosa Anggraeni

Modem : Jurnal Informatika dan Sains Teknologi 2025 Asosiasi Profesi Telekomunikasi Dan Informatika Indonesia

The rapid development of information and communication technology has driven the need for information services that are more relevant and adaptive to user behaviour. This research aims to integrate data analytics in the study of user behaviour to support the development of effective information services. The dataset used is Kaggle's Online Retail Dataset, which includes sales transaction data of online retail companies in the UK from December 2010 to December 2011. The analysis was conducted through customer segmentation using K-Means Clustering algorithm and predictive analysis with Association Rule Mining. The segmentation results successfully grouped customers into four main clusters, namely loyal customers, potential customers, passive customers, and low-spending customers. Model evaluation showed optimal performance with an accuracy rate of 85%, precision of 82%, recall of 78%, and F1-Score of 80%, and Silhouette Score of 0.62, indicating effective customer segmentation. The findings prove that the application of data analytics can provide deep insights into customer behaviour and support the development of more personalised and adaptive information services. This research is expected to be a reference in designing data-driven information service development strategies in various sectors.

Anita Anita; Nuril Izzy Sabila

Globe: Publikasi Ilmu Teknik, Teknologi Kebumian, Ilmu Perkapalan 2025 Asosiasi Riset Ilmu Teknik Indonesia

Significant changes have occurred in the economy, especially in developing countries such as Indonesia, where the economic, development and industrial sectors continue to improve. Manufacturing companies in the cosmetics subsector are an industry that has quite intense competition in Indonesia. According to the first quarter of 2020 data from the Central Bureau of Statistics, the market growth of this industry averaged 5.59% per year. This is expected to continue in the coming year. The implementation of supply chain management (SCM) will support organizations to have a good performance system. PT Zoey Cosmedica Putra (Maklon Kosmetik) is one of the manufacturing companies engaged in the cosmetics industry. The purpose of this study is to analyze the effect of supply chain management on company performance. Data processing using the Structural Equation Modeling - Partial Least Square (SEM-PLS) method using Smart PLS software version 4.0. The results of SCM factor analysis research measured by independent variables, namely relationships with suppliers (X1), relationships with customers (X2) and the level of information sharing (X3) with the dependent variable, namely company performance (Y). Shows X1 and X3 hypotheses have an influence, while the X2 hypothesis has no effect.

Hilda Marliza; Jusmardi Jusmardi; Resmi Darni; Widya Darwin

Merkurius : Jurnal Riset Sistem Informasi dan Teknik Informatika 2025 Asosiasi Riset Teknik Elektro dan Informatika Indonesia

The rapid development of information technology and telecommunications has driven companies and MSMEs to adopt desktop, mobile, and web-based applications to enhance operational performance. PT HPS Painan Padang, previously relying on manual ticket bookings, faced challenges in efficiency and susceptibility to brokering practices. To address this, a web-based travel ticket booking application was developed, enabling customers to book tickets online more practically, quickly, and conveniently, anytime and anywhere. The integration of Natural Language Processing (NLP) technology in the form of a chatbot further enhances service efficiency and responsiveness. This feature provides real-time information on departure schedules, seat selection, and payment transactions while also supporting sentiment analysis and swift responses to customer feedback, ultimately improving service quality. The application, built using PHP, MySQL, and CodeIgniter with a Prototype development approach, adapts to changing market demands. Testing via GTmetrix on the https://desistravel.xyz/backend page demonstrated excellent performance with an 88% Performance score, 95% Structure score, and optimal Web Vitals metrics, indicating a fast, responsive, and stable platform. The final product is a user-friendly web-based ticket booking application supported by an intelligent chatbot, offering a seamless user experience, enhancing customer satisfaction, and streamlining the travel booking process efficiently.

Hilmi Satria Himawan; Putri Nor Avilla; Riana Amanda; Siti Zaira

Jurnal Visi Manajemen 2025 Sekolah Tinggi Ilmu Ekonomi Pariwisata Indonesia Semarang

In the rapidly evolving digital era, online commerce has become a phenomenon that dominates the business world. One important aspect of the online trade ecosystem is the role of resellers. Online shop resellers have become a vital element that connects producers or product owners with end consumers through digital platforms. Resellers act as intermediaries that bridge the process of product distribution from its source to the hands of consumers. The main issues include marketing competition, unilateral product cancellations by customers, and defective or incorrect items. The research question used by how online shop resellers overcome business competition challenges in the era of digitalization? This research adopts a qualitative approach using field study methods. This research concludes that operating as an online shop reseller involves several risks, and to address these challenges, various improvements can be made in marketing techniques, risk management implementation, and cash flow recording techniques to overcome the ambiguity of profits generated in the online reseller business.

Riswandhi Ismail; Ir. Febri Edward; Muhammad Sidik; Syarifuddin Syarifuddin; M. Arpah +1 more

Jurnal Manajemen Bisnis Digital Terkini 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

The purpose of this study is to determine the influence of trust, facilities and transaction speed on customer satisfaction The method used is a questionnaire with a quantitative approach. The types of analysis used are descriptive analysis and verifiable analysis. This research was conducted on Bank Syarikat Madani Batam customers with a sample of 100 respondents. The nonprobability sampling method with the purposive sampling technique is the sampling technique used in this study. The findings in this study show that trust has a significant effect on customer satisfaction. The Facility variable has a t calculation of 19,853 > 1,984 with a significant value of 0.000 < 0.05, then it can be concluded that Facility has a significant effect on customer satisfaction. And the Transaction speed variable has a t calculation of 38,793> 1,984 with a significant value of 0.000 < 0.05, then it can be concluded that Transaction speed has a significant effect on customer satisfaction.

Rizqia Noni Noviantry; Siti Kadariah

Maslahah : Jurnal Manajemen dan Ekonomi Syariah 2025 STAI YPIQ BAUBAU, SULAWESI TENGGARA

This research aims to analyze the gold investment mechanism through gold savings products at PT. Sharia Pawnshop Cab AR. Medan Judge and To determine the suitability of the gold investment mechanism through gold savings products, the mechanism is in accordance with MUI Fatwa No. 77/DSN-MUI/V/2010 or not.This research uses descriptive qualitative methods, with data collection techniques through in-depth interviews with employees and Nadabah PT. Sharia Pawnshop Cab AR. Medan Judge as well as observations, documentation and literature studies. The research results show that the gold investment mechanism in gold savings products has been running well, providing easy access for customers, and is assessed in accordance with sharia principles, namely DSN-MUI Fatwa No.77/V/2010 with a combination of wadiah (deposit) and murabahah (sale) contracts. buy) which provides flexibility and certainty for customers in managing gold savings. However, in the mechanism, various challenges arise. Such as customer understanding of the benefits and mechanisms as well as compliance with sharia principles (National Sharia Council Fatwa). The benefit of this research is to provide clear information to customers (the public) regarding the benefits and mechanisms of investing in gold through gold savings, so that it can serve as a guide in making investment decisions. Apart from that, the results of this research can be input for PT. Pegadaian Syariah always provides outreach and education to customers regarding the benefits and mechanisms as well as compliance with sharia. For the University, it can provide useful input and provide references in the field of sharia investment, especially regarding gold savings. This research concludes that gold investment through gold savings products at PT. Sharia pawnshops are a safe and sharia-compliant investment alternative, and have the potential to increase financial inclusion in Indonesia

Inri Maria Tanesib; Yohanes Tuan; Norani Asnawi

Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora 2025 Pusat Riset dan Inovasi Nasional

The existence of the Regional Public Company (PERUMDA) of Kupang City aims to distribute water to residents in the surrounding areas. This study aims to evaluate the performance of PERUMDA in providing clean water services in Alak District, Kupang City. This research employs a combination of juridical and empirical approaches. The study was conducted at the PERUMDA Kupang City office and in the Alak District area of Kupang City during January 2025. The population in this study includes all PERUMDA employees and drinking water customers in Alak District, Kupang City. The sample was obtained using purposive sampling techniques, consisting of the head of the customer relations division (1 person), PERUMDA employees (10 people), and community members who use PERUMDA services (50 people), resulting in a total sample of 61 respondents. Data were collected through document review and in-depth interviews guided by an interview protocol. Based on the interview results, it was found that clean water services provided by PERUMDA were still suboptimal. Although PERUMDA Kupang City already has Standard Operating Procedures (SOPs), the implementation in the field still faces various obstacles, such as unequal distribution of clean water, limited infrastructure, occasional poor water quality, ineffective complaint handling systems, and outstanding payment arrears. PERUMDA Kupang City needs to expand its clean water distribution network, improve water quality, strengthen the customer complaint system, and conduct education and outreach to the community regarding the importance of efficient water use and the obligations of the community as service users.

Ravindra Safitra Hidayat; Selamat Riyadi; Heru Nugroho; Dadet Sugiarto

The International Conference on Education, Social Sciences and Technology 2025 International Forum of Researchers and Lecturers

This study explores the intricate interplay between competitive advantage, customer focus strategies, and customer satisfaction within the service industry, emphasizing a human-centered approach to organizational development. Through a comprehensive literature review, the research highlights the transformative potential of aligning strategic initiatives with human values and emotional resonance. It underscores the importance of cultivating meaningful relationships with customers to create sustainable competitive advantages that extend beyond traditional economic metrics. The findings reveal that customer satisfaction is deeply rooted in both functional service excellence and emotional connections. By leveraging insights from customer experiences, organizations can design tailored strategies that resonate with individual needs and aspirations. Furthermore, the research demonstrates how customer-centric approaches influence broader organizational culture, fostering environments that prioritize empathy, innovation, and authentic human engagement. This study contributes to the theoretical discourse by framing competitive advantage as a human endeavor and offers practical implications for service organizations aiming to achieve operational excellence while honoring the human dimensions of service delivery. The integration of strategic, operational, and tactical levels forms a cohesive framework for achieving enduring success through genuine customer relationships and continuous adaptation to evolving market dynamics.

Exgi Handayani; Muhammad Ridwan

Maslahah : Jurnal Manajemen dan Ekonomi Syariah 2025 STAI YPIQ BAUBAU, SULAWESI TENGGARA

This study aims to determine the factors that influence customer decisions in choosing Mudharabah deposit products at PT Bank Sumut Marelan Raya Branch Office. This study uses variables of Service, Location, Religiosity that influence Mudharabah Deposit Customer Decisions. This research method uses quantitative research using data collection methods, namely questionnaires or questionnaires, while the data analysis technique used is the multiple regression analysis method. The population in this study were customers at PT Bank Sumut Marelan Raya Branch Office totaling 139 respondents from these respondents, the researcher only took a sample of 103 respondents. The data that has been obtained is then processed using the SPSS Version 25 application. Data processing and analysis techniques are, instrument testing, classical assumption testing, multiple regression analysis and hypothesis testing. From the results of simultaneous hypothesis testing, the Fcount value (85.042)> Ftable (3.09) was obtained, so it can be concluded that service, location and religiosity simultaneously have a significant effect on customer decisions. In addition, from the results of the determination test, it is known that the determination coefficient value in the Adjusted R Square column is 0.720, meaning that the variables Service, Location and Religiosity have an influence of 72.0% on the Customer Decision variable. While 28.0% is influenced by other variables not explained in this study. For the Service variable, the partial t-count value (2.572)> t-table (1.984) is obtained, meaning that the Service variable partially has a significant effect on Customer Decisions. The Location variable partially has a t-count value (3.090)> t-table (1.984), meaning that the Location variable partially has a significant effect on Customer Decisions. The Religiosity variable partially has a t-count value (4.842)> t-table (1.984), meaning that the Religiosity variable partially has a significant effect on Customer Decisions. The results of this study indicate that the variables of Service, Location and Religiosity have an effect on Customer Decisions Using Mudharabah Deposit Products at PT Bank Sumut Marelan Raya Branch Office