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This study aims to analyze the implementation of sanctions against wealthy customers who delay payments in the perspective of DSN-MUI Fatwa No. 17/DSN-MUI/IX/2000. The study was conducted at PT. BPRS Alwashliyah Gunung Krakatau Medan with a normative and empirical legal approach. The results of the study indicate that the application of sanctions against customers who delay payments is an effort by banks to maintain the smoothness of the financing system. The application of the DSN-MUI fatwa provides a legal basis for Islamic banks in imposing sanctions on wealthy customers who neglect to fulfill their obligations. This fatwa also strengthens the position of banks in the Indonesian civil law system.

This study aims to measure the business performance of CV XYZ through the perspectives of finance, customers, internal business processes, growth and learning of the balanced scorecard method at CV XYZ in 2023. The data used is primary data, in the form of data from interviews with CV XYZ managers or those who have authority over CV XYZ business performance data. The results of the study can be concluded that based on research on the financial perspective, the results of the calculation of current ratio, revenue growth, debt to total assets, debt to equity, return on equity, return on assets and net profit margin get “good” criteria. In the customer perspective, the results of the calculation of customer retention get “sufficient” criteria, while the results of the calculation of customer acquisition and customer complaints get “good” criteria. In the internal business process perspective, the results of the calculation of minimize error rate and rework, and agreements with third parties get the “good” criteria. In the growth and learning perspective, the results of the calculation of employee retention get the criteria “sufficient”, employee training gets the criteria “good” and absenteeism gets the criteria “not good”.

This study aims to describe and analyze: Governance of BUMDes based on reinventing local government. This study uses a qualitative approach with a multiple case study design. This research was conducted in three locations with BUMDes that have different levels of performance: BUMDes Tirta Mandiri (Ponggok Village, Klaten, Central Java): For example, BUMDes are successful. Sumber Rejeki BUMDes (Sumberagung Village, Jember, East Java): As an example of BUMDes with medium performance. BUMDes Tani Makmur (Sukorejo Village, Malang Regency, East Java): As an example of BUMDes that are still developing. The data obtained were analyzed qualitatively using the thematic analysis method. The stages of data analysis are as follows: (1) Data Collection (2) Transcription and Coding: (3) Thematic Analysis: (4) Data Triangulation. The results of the study show that BUMDes Governance based on local government reinventing includes Community Participation: Encouraging active community involvement in the decision-making process. Community participation in the management of BUMDes refers to four participations, namely (1) participation in planning, (2) participation in program implementation, (3) participation in assessment and evaluation, and (4) participation in the utilization of results. Transparency in governance refers to openness in providing information related to the management of BUMDes to the public. Document accessibility available, Complete and clear information, Open management processes, Regulatory framework that ensures transparency, Information written and communicated to stakeholders. Accountability in governance refers to legal accountability, process accountability, program accountability. BUMDesa innovation as a new idea aims to initiate, improve and improve community entrepreneurship. Innovation in products and services. Innovation in BUMDes includes the creation of new products, improving the quality of existing products, and developing services that are relevant to the needs of the community and the market. Service innovation includes improving ways of providing services that are faster, more convenient, or more in line with customer needs.

The rapid advancement of information and communication technology has transformed and opened business perspectives and operations, particularly in UMKM the photography industry. As the demand for online photography services continues to rise, it is crucial for service providers to develop efficient information systems to manage photo sales effectively. The research titled "Development of the POVSHOT Mobile Application for Online Photo Sales Using Flutter and MySQL" aims to facilitate online photo sales through the implementation of Flutter technology and a MySQL database. The findings indicate that the "POVSHOT" application successfully integrates features such as photo uploading, payment management, and user administration within a user-friendly interface. This study suggests that the use of mobile applications can enhance security in the photo sales process and provide a better experience for users. The implications of this research highlight that photography service providers can leverage mobile technology to expand their market reach and improve customer satisfaction through a more integrated and responsive system.

Customer satisfaction is very important for the continuation of a business because customer satisfaction can influence customer perspectives on products and services. The phenomenon that occurred in this study was a decrease in the market share of starbucks products in 2021-2023. The purpose of this study was to analyze the effect of innovation, promotion, product quality, price and service quality on customer satisfaction. This research was conducted on consumers of starbucks products in the Indonesian region. The data used in this study are primary data obtained from distributing questionnaires to respondents using google form. Data analysis in this study used multiple linear regression with the help of SPSS software version 26. The sample in this study were 97 respondents. The sampling technique used probability sampling with accidental sampling method. The results of this study explain that 1) innovation has a positive effect on customer satisfaction 2) promotion has a positive effect on customer satisfaction 3) product quality has no effect on customer satisfaction 4) price has a positive effect on customer satisfaction 5) service quality has a positive effect on customer satisfaction.

Optimizing human resources (HR) in digital marketing through the synergy between creativity and technology is an important strategy to create effective and innovative marketing campaigns in the digital era. Creativity plays a crucial role in producing engaging and relevant content, which is able to build an emotional connection with consumers as well as strengthen the brand identity. Meanwhile, technology allows for personalization, data-driven analysis, and efficiency in the implementation of marketing strategies. This study examines how the combination of human resource creativity and the use of digital technology can create a competitive advantage for companies. The results of the study show that companies that successfully integrate these two elements can increase consumer engagement, customer loyalty, as well as the effectiveness of marketing campaigns. From a conceptual perspective, this approach is changing the way companies view innovation and cross-functional collaboration within organizations, which in turn improves responsiveness and adaptability to market changes. The practical implications of this research are the importance of investing in the development of creative and skilled human resources in technology, to create a sustainable digital marketing strategy and be able to compete in an increasingly competitive global market.

This study aims to analyze the implementation of the Betang Mobile application as an innovation in welfare services for MSME partners at PT. Bank Pembangunan Kalimantan Tengah. The study uses a qualitative approach with in-depth interviews and document analysis to explore the experiences and perspectives of various stakeholders involved, including MSME customers, customer service, and bank management. The research method applied is a case study with an innovation diffusion theory approach as proposed by Everett M. Rogers (1995). In this study, five key characteristics of innovation diffusion relative advantage, compatibility, complexity, trialability, and observability are used to evaluate the impact and acceptance of the Betang Mobile application among MSME partners. Data collected from interviews with informants, including MSME customers and customer service, indicate that 75% of MSME players feel the application enhances service access, while 85% of users find the application compatible with their needs. The findings show that the Betang Mobile application has provided benefits in terms of efficiency and ease of access for MSME partners. About 40% of users report increased satisfaction, and 82% consider the application more efficient compared to traditional methods. Challenges include the adoption of technology by older MSME players and those in remote areas. Based on these findings, the study recommends that Bank Pembangunan Kalimantan Tengah focus on digital education for MSME partners, strengthen data security systems, and consistently update features to maintain the application's relevance. In conclusion, the Betang Mobile application has proven to make a positive contribution to the welfare services of MSME partners, with visible impacts on the accessibility and efficiency of banking services. To enhance the effectiveness of this application, it is recommended that Bank Pembangunan Kalimantan Tengah address challenges related to technology adoption and data security, as well as conduct regular evaluations of the application's features to keep them aligned with evolving user needs.

This study aims to determine the performance of KCU Pintu Air by using the balanced scorecard method. This research method is a quantitative descriptive method. The data in this study were obtained from documentation in the form of financial reports and distributing questionnaires. The population in this study was KCU Pintu Air with a sample of a financial perspective in the form of financial reports, a customer perspective with a sample of 44 members, an internal business process perspective and a growth and learning perspective with a sample of 27 employees. The findings of this study show that the performance of KCU Pintu Air when measured using the balanced scorecard method results in a rating scale of 0.2 which lies between 0-0.6 which indicates that the cooperative's performance is quite good. The results of perspective calculations in the balanced scorecard are financial perspective calculations with unfavorable results, this is because most of the PEARLS ratio calculation results are in the bad category. The customer perspective shows good results, which are obtained from indicators of member retention and member acquisition which experience fluctuations and indicators of member satisfaction as much as 79% of members are satisfied with cooperative services. The internal business process perspective shows very good results, which are obtained from the results of the questionnaire with an operational efficiency indicator of 80% and an indicator of competitive position of 83%, which means that the respondents stated that they were very satisfied. The growth and learning perspective shows good results obtained from the results of employee satisfaction indicators as much as 91% of employees who express attitudes towards very high satisfaction, employee retention indicators that show good results and employee productivity indicators that experience fluctuations during the study period.

The industry in Indonesia has experienced significant development both online and offline, including the fashion industry, which has also undergone rapid growth. This development inevitably alters consumer behavior toward products in the market. One consumer behavior that requires attention is impulse buying, which refers to unplanned purchases. Impulse buying occurs due to emotional factors, which are also influenced by the store atmosphere, prompting spontaneous purchases. This study aims to examine and analyze the role of positive emotion in mediating the relationship between store atmosphere and impulse buying. The research was conducted among customers of the Uniqlo store at Bali Galeria Mall, with a sample size of 160 respondents selected through purposive sampling. Data collection was carried out using questionnaires. The analytical techniques employed include the Classical Assumption Test, Path Analysis, Sobel Test, and Variance Accounted For (VAF) Test. The analysis results indicate that: Store atmosphere has a positive and significant effect on impulse buying, Store atmosphere has a positive and significant effect on positive emotion, Positive emotion has a positive and significant effect on impulse buying, Positive emotion mediates the effect of store atmosphere on impulse buying. The theoretical implications of this study support previous research findings from the perspective of Consumer Behavior Theory. The practical implications provide guidelines for managers and staff at the Uniqlo store at Bali Galeria Mall to enhance customer impulse buying by leveraging store atmosphere and positive emotion.

The objective of this research is to evaluate the impact of brand image and product quality on consumer purchasing decisions regarding MS Glow products in Solo. A positive brand image can enhance consumers' trust in a particular brand; however, product quality remains the primary determinant of satisfaction and choice among consumers. Using qualitative methodology with phenomenological approach, the study aims to understand consumers’ experiences and perspectives towards MS Glow products. The findings indicate that strong brand images, such as reliable reputation and consumer confidence, significantly influence purchase decisions. Additionally, product qualities including durability, performance, design, and innovative features play crucial roles in consumer decision-making processes. This research is expected to help companies develop better marketing strategies to meet individual customer needs effectively.

This study aims to determine and analyze the application of the balanced scorecard method as a benchmark for performance measurement at CV. Sumber Pinus Jaya. The research method used is a qualitative method, because this study does not aim to prove a hypothesis but rather aims to reveal facts and circumstances that occur at the time of the study. From the results of the discussion, it shows that the balanced scorecard method translates performance measures that have four indicators, namely in the financial perspective shows fluctuating numbers, the customer perspective shows good results, the internal business process perspective shows that the company has carried out an innovation process such as the concept of making furniture following current developments, the growth and learning perspective shows good company performance conditions because it can improve the quality of its employees. From the discussion above, it can be concluded that the use of the balanced scorecard method can be used as a benchmark for the success of a company. In order to be applied properly to the company, improvement efforts are needed both internally and externally.

The practice of “All You Can Eat” (AYCE) is a food serving model where customers pay one fixed price to enjoy various types of all-you-can-eat dishes within a certain time limit. This concept has become a global trend and is widely implemented in Indonesia, especially in Japanese and Korean themed restaurants. As a modern form of muamalah, AYCE raises questions in the perspective of Islamic law because it involves aspects of economic transactions that must fulfill the pillars and conditions of buying and selling according to Islam. This study examines the mechanism of AYCE, starting from the payment system, time policy, and additional rules such as fines for uneaten food. In addition, it discusses the application of the pillars and conditions of buying and selling in Islam, which include clarity of goods, valid contracts, and voluntary consent of the parties involved. The main focus is on the potential element of uncertainty (gharar) in AYCE practices, especially regarding the different portions of food consumed by customers, which forms the basis of the Islamic legal analysis of this concept. This research aims to provide a comprehensive view of the relationship between the AYCE concept in the light of Islamic law.

There are two reasons that can drive companies to participate in CSR. Certain companies believe that performing customer service (CSR) will allow the company to achieve better economic outcomes (Resource Based Theory), while other companies believe that doing so will give them a competitive advantage that sets them apart from their competitors. Stakeholders’ expectations, so CSR and their reports serve as legitimization to demonstrate their compliance with those expectations (Legitimacy Theory). Using legitimacy theory, this study aims to find empirical evidence on how international experience, consumer perspective, and the acquisition of environmental certifications impact the extent of CSR disclosure. A sample of 168 company-years was obtained using the target population of publicly listed manufacturing companies on the IDX that made CSR reports in 2011 and 2012.  

The purpose of this research is to conduct a literature review of previous research on the Balanced Scorecard (BSC) from 2020-2024. BSC as a strategic tool management tool that is widely used by universities to improve the performance of their organizations. This research uses SLR which presents quantitative data on BSC issues and university performance. There are several measurements used, namely journals, variables, and theories as well as the field of science reaserch approach. The study results show 30 articles from accredited national journals and national journals. The topic of college performance is influenced by variables of information technology, quality assurance, financial perspective, growth learning perspective, customer perspective, and internal perspective. The theory used is BSC theory. The fields of accounting, management, public universities and private universities have researched a lot about BSC. Based on BSC measurements that are widely used are financial and customer perspectives. Although the college has successfully implemented BSC, the main challenge faced is the adjustment of key performance indicators and long-term goals of the college. This research provides insights, benefits and constraints in implementing and recommending BSC to improve organizational performance.

The purpose of this study is to conduct a literature review of previous research on Total Quality Management (TQM) from 2020-2024. This research uses SLR which presents quantitative data on TQM issues and organizational performance. There are several measurements used, namely journals, variables, and theories and fields of research approaches. The results showed 31 articles from accredited national journals and national journals. The topic of college performance is influenced by variables of information technology, quality assurance, financial perspective, growth learning perspective, customer perspective, internal perspective, the theory used is TQM theory. The field of management accounting in universities and private universities has researched a lot about TQM. Only a few non-profit organizations use TQM. Based on TQM measurements that are widely used are financial and customer perspectives. Although the college has successfully implemented TQM, the main challenge faced is the alignment of key performance indicators and the college's long-term goals. This research provides insights, benefits, and barriers in implementing and recommending TQM to improve organizational performance.

Settlement of banking disputes through BPSK in the protection of banking customers is a legal defect because it is the authority of the Alternative Dispute Resolution Institution for the Financial Services Sector, BPSK is more appropriate for consumer disputes within the scope of industry and trade. The formulation of the problem in this thesis is how is the legal regulation of consumer protection for banking institutions, how is the settlement of banking disputes through alternative institutions in customer protection, and how are the judges' legal considerations in the Supreme Court Decision of the Republic of Indonesia Number 253 K/Pdt.Sus-BPSK/2017. The research method used is descriptive analysis that leads to normative juridical legal research, namely research conducted by referring to legal norms, namely researching library materials or secondary materials. Secondary data by processing data from primary legal materials, secondary legal materials and tertiary legal materials. The results of the study indicate that legal regulation of consumer protection for banking institutions is regulated in Law Number 21 of 2011 and Financial Services Authority Regulation (POJK) Number 1/POJK.07/2013 in conjunction with Number 1/POJK.07/2014. Settlement of banking disputes through alternative institutions in customer protection is settlement by Arbitration between bank customers and the banking sector is the authority of the Alternative Dispute Settlement Institution for the Financial Services Sector. The judge's legal considerations after carefully examining the memorandum of cassation dated December 7, 2016 and the counter memorandum of cassation dated December 28, 2016 are related to Judex Facti's considerations, in this case The Kisaran District Court is not wrong in applying the law because the a quo case is a breach of contract that originates from a credit agreement.

One of efforts that can done to be able to sufficient need customer with method notice management chain supply in a way well, that's it This because basically​ chain supply This notice regarding the goods process until customer in a way good. In the chain supply evaluation performance becomes very important, because Can know effectiveness strategy determination and its application in the business world. The goal in study This is For analyze flow performance chain supply as well as know mark chain supply which obtained what is Kachi Milk's business ? Already Good or no. Method of analysis in study This use balanced scorecard. On the Balanced Scorecard This explain mission and tactics capable organization​ made into become business for reach objective as well as become reject measuring performance in the company. Research results This is in the form of results the average value shows that from perspective finance to obtain value 3 (enough) good), internal business process perspective obtains value 3.4 (good), perspective growth and development to obtain value 3.12 (enough) good) and perspective customer to obtain value 3.6 (good). For the total average value for all perspective is 3.28 (enough) good). Concluded that performance on the chain supply business This Kachi Milk drink Enough Good based on four perspective, the need for efforts in business Kachi Milk drink for increase performance chain to be more increase.  

This study examines pricing mechanisms in the buffet system at Wisma Tamu Al Ishlah Restaurant from the perspective of Islamic economic justice principles. This research is crucial given the limited studies that analyze buffet pricing practices from an Islamic economic perspective, particularly in a pesantren (Islamic boarding school) environment. This research adopts a qualitative approach with field research methods, utilizing interviews, observations, and documentation for data collection. The findings indicate that the pricing mechanism at Al Ishlah Restaurant employs a cost-based method, setting prices based on raw material costs, capital, operational expenses, and production services, adjusted according to the types of food selected by customers. Generally, the pricing practices at Wisma Tamu Al Ishlah Restaurant align with Islamic economic justice principles, ensuring that no party is disadvantaged and upholding honesty in transactions. Prices are established through mutual agreement between the restaurant and the customer, ensuring fairness. However, price transparency presents a challenge that could affect consumer perceptions. This research contributes to the development of Islamic economic theory in the culinary business context and provides recommendations to enhance justice in buffet pricing..

This study examines how illegal parking affects the level of customer visits to small and medium enterprises (SMEs) in Bandar Lampung City, with a particular focus on the Saburai Field area. The study conducted interviews with SME owners and customers to collect data using a descriptive qualitative research method. The results showed that illegal parking has varying impacts on the number of customer visits; some business owners said that there was no impact, while others said that there was an impact. From the customer's perspective, illegal parking significantly disrupts the comfort and safety of shopping, which may change their customer visit patterns. Illegal parking is generally considered to disrupt consumers' shopping experience, which may influence their decision to visit nearby SMEs, although the impacts vary. This study emphasizes that more organized parking management is essential to improving the business environment and competitiveness of small and medium enterprises in Bandar Lampung City.

This study aims to examine the effect of Corporate Social Responsibility and Islamic Advertising on Corporate Reputation with Customer Satisfaction as an intervening variable on Shopeefood application users in Bandar Lampung City from an Islamic business perspective. This study uses a quantitative approach, data collection is carried out through a survey with a questionnaire in the form of a google form. The population in this study are Shopeefood application users and domiciled in Bandar Lampung City. The sample of this study was 100 respondents using a non-probability sampling method with a purposive sampling technique, and using SEM analysis tools using PLS and the results of data processing obtained using smartpls. The results showed that the variables of Corporate Social Responsibility and Islamic Advertising have a positive and significant effect on Corporate Reputation. Customer Satisfaction has a positive and significant effect on Corporate Reputation. The Customer Satisfaction variable mediates the influence of Corporate Social Responsibility on Corporate Reputation. Meanwhile, Customer Satisfaction is unable to mediate the influence of Islamic Advertising on Corporate Reputation.