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This study aims to examine various factors that influence customers' engagement in choosing the Cicil Emas product as a form of long-term investment at Bank Muamalat Purwokerto. This research is based on the increasing trend of gold investment in the community caused by the increase in gold prices and awareness of the importance of halal investment according to sharia principles. This study uses a descriptive qualitative approach with data collection techniques through interviews, observations, and documentation of Bank Muamalat Purwokerto. The results show that customer interest is influenced by several main factors, namely trust in sharia principles through the murabahah contract, a positive perception of gold as a stable investment asset, the ease of installment procedures that are flat and transparent, and the efficiency of the payment system through autodebit. In addition, social factors such as family recommendations and active promotions from the marketing department also strengthen customer interest. From the SWOT analysis, it was found that the main strength of this product lies in Bank Muamalat's reputation as a pioneering sharia bank and a stable installment system, while its main weaknesses are limited physical gold stocks and low public investment literacy. With increasing public awareness of sharia investment and the large market potential in Purwokerto, the Cicil Emas product has strong prospects for continued growth as a safe and Islamically-compliant long-term investment instrument.

PT Basmar Travelindo Sejahtera is a tourism company engaged in Umrah and international travel services, operating under official PPIU and government permits. The company’s vision is to become a leading and trusted Umrah tour provider that prioritizes service quality and customer satisfaction. This study aims to analyze the simultaneous influence of the work environment and work discipline on employee performance at PT Basmar Travelindo Sejahtera. The population and sample in this study consist of all 30 employees. A quantitative descriptive approach was used, with data analyzed using IBM SPSS Version 25. The results of the partial hypothesis test show that the work environment has a positive and significant influence on employee performance, as indicated by a t-count value of 2.223 greater than the t-table value of 2.051, with a significance of 0.035 (<0.05). This finding means that the better the work environment, the higher the employee performance. The work discipline variable also shows a positive and significant influence on performance, with a t-count value of 2.157 greater than the t-table value of 2.051 and a significance of 0.040 (<0.05). The simultaneous hypothesis test produces a significance value of 0.000 (<0.05), indicating that both the work environment and work discipline together have a significant and positive effect on employee performance. These results highlight the importance of supportive work conditions and consistent discipline in improving performance at PT Basmar Travelindo Sejahtera.

Islamic financial institutions have emerged as an alternative within the modern financial system, founded on Islamic values and principles. Their main objective is to realize justice, sustainability, balance, and collective welfare in economic activities. This study aims to provide an in-depth explanation of the Sharia principles underlying the operations of Islamic financial institutions, including the prohibition of riba (interest), gharar (uncertainty), and maysir (speculation), as well as the implementation of profit-sharing, justice, transparency, and trustworthiness in all business activities. The research employs a library study method with a qualitative-descriptive approach by analyzing relevant primary and secondary literature sources. The findings indicate that the implementation of Sharia principles not only differentiates Islamic financial institutions from conventional financial systems but also adds significant value through Islamic business ethics, social responsibility, economic sustainability, and protection of customer and community interests. Therefore, a comprehensive understanding of Sharia principles is essential to maintaining the integrity, public trust, and long-term sustainability of Islamic financial institutions in today’s era of global economic development.

The purpose of the study was to investigate the relationship between experiential marketing, customer satisfaction and consumer behavior intention. The limitation of the study was that it focused on consumers who had made at least two purchases and only 70 questionnaires were returned and valid. The population is categorized as infinity. Sample collection type accidental sampling. Data analysis with multiple linear regression processed with SEM- Partial Least Square 3.0, to verify the 6 hypotheses proposed. The researcher's findings are indicators of sense (t-count = 3.166 and sig. 0.002), feel (t-count = 2.084 and sig. 0.041), and act (t-count = 3.904 and sig. 0.000), obtained t-count value> t-table 1.667 and sig.calculate <0.05. The results show that sense, feel, and act significantly positively affect customer satisfaction. Another finding, customer satisfaction t-count = 2.446 > t-table 1.667 and sig value. 0.007 <0.05, which shows that customer satisfaction on behavior intention has a significant effect. The results explained that the stronger the customer's trust, the stronger their desire to repurchase.    

Solid financial performance is a crucial foundation for companies to achieve long-term success. In the banking context, financial health assessments are essential, as they directly relate to the stability of the national financial system. Therefore, the Financial Services Authority (OJK) has established standards for evaluating bank soundness using the RGEC method, which includes four key aspects: Risk Profile, Good Corporate Governance (GCG), Earnings, and Capital. This study aims to analyze the soundness level of PT Bank Central Asia Tbk (BCA) during the 2020–2024 period using the RGEC approach. The assessment is conducted by evaluating financial ratios such as Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), Good Corporate Governance (GCG), Return on Assets (ROA), Net Interest Margin (NIM), and Capital Adequacy Ratio (CAR). The analysis results show that BCA achieved a "very healthy" rating (PK-1) in all RGEC aspects. This reflects BCA's ability to effectively manage risk, implement sound corporate governance principles, and maintain strong profitability and capital. These findings strengthen BCA's position as one of the best-performing banks in Indonesia and demonstrate the company's commitment to maintaining financial stability and customer trust.

The role of financial institutions in providing access to capital through pawn services is crucial, even though customers face the risk of defaulting, which can lead to the auction of pledged collateral. This study aims to analyze the impact of the auction pricing of collateral at PT Pegadaian Syariah Banda Aceh on customer satisfaction. In this context, a deep understanding of the factors influencing auction pricing and its impact on customer satisfaction is essential to maintain a mutually beneficial relationship. The pricing of the auction is influenced by several factors, including market mechanisms, government regulations, and the company's internal policies. Customer dissatisfaction with auction prices that are perceived as unfair can damage the long-term relationship with the financial institution. Therefore, it is crucial to enhance transparency and fairness in the auction pricing process. Additionally, educating customers about their rights is necessary to provide them with a better understanding of the process and its implications. These measures will help strengthen customer trust and maintain the sustainability of a positive relationship between the financial institution and its customers.

This study aims to determine and analyze the effect of Social Media Marketing and Environment Knowledge on Green Purchase Intention with Customer Trust as a Mediating Variable in Generation Z in Sleman. This study uses quantitative research methods using a questionnaire. The population in this study is Generation Z in Sleman, Yogyakarta Special Region who consume drinking water in gallons of the Aqua brand. The data collection technique used purposive sampling technique. The sample in this study amounted to 95 respondents. The analysis method used in this research is Partial Least Square (PLS). The results showed that social media marketing has a significant direct effect on green purchase intention, environmental knowledge has a significant direct effect on green purchase intention, social media marketing has a significant direct effect on customer trust, environmental knowledge has a significant direct effect on customer trust. Meanwhile, customer trust does not have a significant direct effect on green purchase intention. In the mediation test, customer trust is able to mediate social media marketing on green purchase intention and customer trust is able to mediate environmental knowledge on green purchase intention.

This study aims to identify the factors influencing pilgrims’ satisfaction at PT. Lianti Tour & Travel in Malang City, with service quality as an intervening variable. The research employed a quantitative approach using Partial Least Square (PLS) analysis. The sample consisted of Umrah pilgrims who had used PT. Lianti Tour & Travel’s services. The variables examined include price, income, preference, facilities, service quality, and customer satisfaction. The results indicate that price and income have no significant effect on service quality or customer satisfaction. Likewise, facilities do not significantly influence either variable. In contrast, preference has a positive and significant effect on service quality and indirectly influences satisfaction through the mediating role of service quality. The findings highlight that service quality has a strong and significant impact on customer satisfaction, making it the key factor in creating a fulfilling Umrah experience. This research implies that Umrah travel agencies should prioritize improving service quality and understanding customer preferences to maintain loyalty and trust among pilgrims in the long term.

In the healthcare sector, patient revisit intention serves as an important measure of hospital success, influencing financial stability, operational effectiveness, and long-term patient retention. With increasing competition, hospitals must strengthen trust, improve service quality, and maintain a positive institutional image to retain patients. This study focuses on the declining number of non-BPJS (non-insured) patients at Cinta Kasih Tzu Chi Hospital, Cengkareng, which impacts revenue sustainability. The research aims to assess how trust and customer perceived value affect revisit intention, and whether hospital image moderates these relationships. A quantitative approach was applied using a structured questionnaire distributed to 95 non-BPJS outpatients who had previously sought treatment more than once. Data were analyzed through Structural Equation Modeling (SEM) using the Partial Least Squares (PLS) method via SmartPLS software. The findings reveal that both trust and perceived value significantly and positively influence revisit intention, implying that patients with strong trust and satisfaction tend to return. Although hospital image directly influences revisit intention, it does not significantly moderate the link between perceived value and revisit intention. Therefore, hospitals are advised to enhance patient trust and perceived value while sustaining a credible institutional image to strengthen loyalty among non-BPJS patients

This study aims to analyze the effectiveness of online and offline marketing strategies in increasing used car sales at Yuna Mobil Showroom Rantau Prapat. The research background is based on the rapid development of information technology and digitalization, which encourage businesses to combine conventional and digital marketing strategies to reach a wider range of consumers. This research employed a descriptive qualitative method with data collection techniques including observation, in-depth interviews, documentation, and triangulation. The results indicate that online marketing plays a significant role in building brand awareness, expanding market reach, and providing fast and efficient access to information through social media, marketplaces, and instant messaging applications. However, this strategy has not been fully effective in converting consumer interest into actual purchase decisions, as customers still require direct product experience. Conversely, offline marketing is proven to be more effective at the decision-making stage due to direct interaction, test drives, and higher consumer trust in the actual condition of used cars. Therefore, the effectiveness of marketing will be optimized if online and offline strategies are implemented in an integrated and complementary manner. This study provides practical contributions for automotive business players in designing marketing strategies aligned with local consumer characteristics, as well as academic contributions to the development of marketing management studies in the digital era.

This study aims to examine the influence of live streaming, affiliate marketing, and perceived price on purchase decisions with customer trust as a mediating variable among students of Universitas Proklamasi 45. This study used a quantitative approach with a purposive sampling technique to determine 100 respondents relevant to the research criteria. The research instrument in the form of a structured questionnaire was distributed to obtain primary data, then analyzed using the Partial Least Squares (PLS) path model as a statistical analysis method. The results showed that the variables of live streaming, affiliate marketing, and perceived price simultaneously had a positive and significant effect on customer trust. Furthermore, customer trust was proven to have a significant influence on purchase decisions, thus understanding that customer trust is an important factor in driving purchase decisions. However, other results showed that live streaming did not directly influence purchase decisions. However, when mediated by customer trust, the influence of live streaming on purchase decisions became significant. These findings provide theoretical contributions to the development of digital marketing science, particularly in understanding the mediating role of customer trust in consumer behavior. In addition, practical implications for business actors are the importance of building consumer trust through live streaming strategies, affiliate marketing, and appropriate price offers to improve purchase decisions.

The 5-star hotel is full of beauty, futuristic design, and perfect service. One of the components that guests complain about at the Tentrem Hotel Yogyakarta is housekeeping negligence. The research method is qualitative, with data collection techniques including interviews, observations, and documentation. The results of the study show that the forms of negligence that occur in housekeeping services at Hotel Tentrem Yogyakarta are 3 (three) actions: first, negligence in cleaning guest rooms, errors in placing guests' personal belongings, and delays in providing additional requests (amenity delay). Housekeeping negligence affects guest satisfaction at Hotel Tentrem Yogyakarta by reducing the reliability and tangibles dimensions of service quality. Guests feel the hotel cannot be trusted to provide a comfortable stay experience, leading to a decrease in the empathy and assurance dimensions. Guests feel their privacy is violated, which may even lead to suspicion toward hotel staff. Efforts to improve the negligence occurring in housekeeping services at Hotel Tentrem Yogyakarta involve three actions: implementing an inspection checklist and supervisor verification before guests check-in, ensuring staff are well-trained, educated, and professional in their work, and adopting a digital logistics system to record guest requests and prioritize deliveries.

This study aims to analyze the role of communication in Customer Relationship Management (CRM) systems in creating customer satisfaction at PT Bangkit Jaya Teknik Indonesia, a business-to-business (B2B) cold storage installation service company. The research background lies in the increasing number of customer complaints during 2022–2024, mainly due to delayed responses, suboptimal after-sales service, and the absence of a centralized communication record system. This study employed a qualitative approach with a case study design. Data were collected through observation, semi-structured interviews with internal parties (marketing project, project manager, project PIC) and customers, as well as company archival documentation. The findings reveal that responsive, open, and two-way communication plays a significant role in enhancing customers’ sense of being valued, trust, and loyalty, which ultimately fosters satisfaction. However, communication barriers such as delays in after-sales service, gaps between customer expectations and company procedures, and the lack of a communication database remain major challenges. To overcome these, the company has initiated strategies including the development of a customer communication database, improved after-sales monitoring, and the adjustment of communication standard operating procedures to align with customer needs. These results reinforce the relevance of Relationship Management theory and the IDIC model, both of which emphasize communication as the core of CRM. Theoretically, this study contributes to organizational communication studies, while practically, it provides recommendations for B2B service companies to prioritize communication in CRM strategies to strengthen customer satisfaction and loyalty.

The fraud case that struck PT CFD Traveller Sukabumi shook the company’s reputation and threatened its relationship with customers, triggering a crisis. This study aims to examine the crisis management of Public Relations at PT CFD Traveller Sukabumi in dealing with the 2024 fraud case, as well as to identify its opportunities and challenges. The research employed a qualitative approach with a descriptive analysis method. Data were collected through in-depth interviews with key informants and individuals directly involved in crisis management. The study applied Coombs and Holladay’s theory, identifying the stages of pre-crisis, crisis, and post-crisis. At the pre-crisis stage, the company conducted risk analysis and careful planning, including communication procedures and employee training. At the crisis stage, the company implemented the plan quickly and in a coordinated manner through clear and open communication with the public and by maintaining good relations with the media to ensure accurate information. At the post-crisis stage, the company carried out comprehensive evaluations, updated its crisis management plan, engaged consumers in the recovery process, and launched campaigns emphasizing customer safety and satisfaction. The findings highlight that structured crisis communication strategies play a crucial role in maintaining public trust.

The increasing prevalence of online customer reviews has made them a critical component in consumer decision-making processes, particularly in the food and beverage sector. These reviews serve as valuable feedback, influencing both the assessment of product quality and the establishment of consumer trust. In the context of Burger Bangor in Gianyar Regency, this study aims to examine the mediating role of trust in the relationship between online customer reviews and purchasing decisions. Using a purposive sampling technique, an online survey was distributed to 100 respondents who had previously purchased Burger Bangor products. The data collected were analyzed using path analysis to test the proposed hypotheses. The findings reveal that online customer reviews significantly influence purchasing decisions by positively enhancing consumer trust. Furthermore, trust itself was found to have a strong positive effect on purchasing decisions and partially mediates the relationship between online reviews and purchasing decisions. These results highlight the importance of effectively managing online customer reviews as they not only provide crucial information to potential buyers but also play a pivotal role in building trust, which in turn influences consumer purchasing behavior. For Burger Bangor, actively responding to and leveraging these reviews can be an essential strategy for improving customer trust and increasing purchase intentions, ultimately contributing to sustained competitiveness in the food and beverage industry.

This Field Work Practice (KKL) was conducted at Delastra Farm Yogyakarta with the objective of analyzing the implementation of marketing strategies to increase sales in the livestock sector. The research employed a qualitative approach through observation, interviews with the business owner, and documentation review. Findings reveal that Delastra Farm adopts integrated marketing strategies combining online promotion, offline promotion, and community networking. The application of Segmentation, Targeting, and Positioning (STP) as well as the Marketing Mix (product, price, place, promotion) has significantly enhanced consumer trust and strengthened the farm’s market position. Peak sales were recorded during Eid al-Adha, supported by stock increases, intensive promotions, and delivery services that meet customer expectations. Supporting factors include product quality, the credibility of the owner as both practitioner and academic, and varied promotional strategies across digital and traditional platforms. However, the farm faces several challenges, such as limited capital, fluctuating feed prices, and intense competition within the livestock market. This study highlights the importance of digital marketing adoption, customer relationship management, and product diversification to reduce seasonal risks. The practical implication is that effective marketing strategies can improve not only sales performance but also long-term brand positioning for local livestock businesses. Theoretically, this activity demonstrates the relevance of applying marketing management concepts to micro and small-scale enterprises in the agricultural sector. Strategic recommendations include strengthening digital presence through social media and marketplaces, expanding partnerships with restaurants and religious institutions, and exploring external funding to support sustainable business growth.

This Field Work Practice (KKL) was conducted at Delastra Farm Yogyakarta with the objective of analyzing the implementation of marketing strategies to increase sales in the livestock sector. The research employed a qualitative approach through observation, interviews with the business owner, and documentation review. Findings reveal that Delastra Farm adopts integrated marketing strategies combining online promotion, offline promotion, and community networking. The application of Segmentation, Targeting, and Positioning (STP) as well as the Marketing Mix (product, price, place, promotion) has significantly enhanced consumer trust and strengthened the farm’s market position. Peak sales were recorded during Eid al-Adha, supported by stock increases, intensive promotions, and delivery services that meet customer expectations. Supporting factors include product quality, the credibility of the owner as both practitioner and academic, and varied promotional strategies across digital and traditional platforms. However, the farm faces several challenges, such as limited capital, fluctuating feed prices, and intense competition within the livestock market. This study highlights the importance of digital marketing adoption, customer relationship management, and product diversification to reduce seasonal risks. The practical implication is that effective marketing strategies can improve not only sales performance but also long-term brand positioning for local livestock businesses. Theoretically, this activity demonstrates the relevance of applying marketing management concepts to micro and small-scale enterprises in the agricultural sector. Strategic recommendations include strengthening digital presence through social media and marketplaces, expanding partnerships with restaurants and religious institutions, and exploring external funding to support sustainable business growth.

This community service program aims to strengthen the competence of automotive workshop MSMEs in mastering microcontroller-based starter system technology, enabling them to adapt to the era of vehicle digitalization. The program was carried out through several stages: identification of training needs, delivery of basic theory on microcontrollers and starter systems, practical sessions in module assembly and programming, followed by mentoring and evaluation. The results of the evaluation showed an 85% increase in participants’ understanding of the digital starter system concept, an 80% improvement in module assembly and programming skills, and a 75% increase in readiness to apply innovative starter systems in workshop services. The novelty of this activity lies in the development of a more applicable digital starter system model tailored to the needs of small-scale workshops. The implementation emphasized a participatory, practice-based approach using learning by doing. Participants, mainly workshop owners and technicians, were guided step by step from component recognition, software operation with Arduino IDE, to the prototyping of functional microcontroller-based starter systems. To ensure sustainability, the program also provided training modules, video tutorials, and online mentoring, allowing participants to continue practicing independently after the training. Beyond improving technical competence, this activity also fostered an innovative mindset among participants, making them more confident to provide modern, technology-oriented services. In the long term, the program is expected to enhance the competitiveness of automotive MSMEs, strengthen customer trust, and build collaborative networks between higher education institutions and local workshops in supporting vocational education and digital transformation.

The company distinguishes itself from other retail stores through its unique approach, particularly in managing minimarkets by adhering to sharia principles in employee management. Ecommerce Reny Swalayan-ku merges traditional self-service elements with modern technology, positioning itself as a platform that facilitates the online purchase of daily necessities. The platform features user-friendly mobile applications and websites designed to streamline transactions, offering a variety of flexible payment options to enhance the shopping experience. Furthermore, goods are delivered using Reny Swalayan-ku own expedition service, with shipping costs calculated based on the distance from the customer's home to the minimarket. This research seeks to examine the impact of Service Quality, Discounts, and the Interactivity of Social Media Marketing on Shoppers’loyalty, with Online Trust serving as an intervening variable among users of Reny Swalayanku in Surabaya. An associative quantitative research methodology was employed, utilizing data gathered via questionnaires distributed to 94 respondents who are users of Reny Swalayan-ku Surabaya. Data analysis was conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM) through the SmartPLS software. The findings of the research suggest that Service Quality, Discounts, and the Interactivity of Social Media Marketing have a significant and positive impact on Online Trust. Additionally, Online Trust was determined to exert a positive and significant effect on Shoppers’loyalty. Moreover, both Discount and Social Media Marketing Interactivity directly and positively influence Shoppers’loyalty. In contrast, Service Quality does not demonstrate a significant direct impact on Shoppers’loyalty, indicating that its function may primarily serve as a foundation for establishing trust, which subsequently affects loyalty. These results highlight the critical role of fostering consumer trust through high-quality service, appealing discount promotions, and engaging social media interactions to enhance Shoppers’loyalty within the realm of retail e-commerce.

This study discusses legal protection for customer data security in internet banking systems in Indonesia, especially after the enactment of various related laws and regulations. The purpose of this study is to analyze how legal protection is applied and the legal measures that can be taken by customers if their data is not protected. The research method used is normative legal research with a qualitative approach, through data collection from secondary sources such as laws, legal literature, and official documents. The final findings show that although legal protection has improved with the existence of relevant laws, there are still challenges in its implementation. Customers have the right to file complaints and legal claims in the event of a data breach, which includes complaint procedures with banks and the Financial Services Authority. Compliance with regulations and the principles of legal justice are essential to maintaining public trust in the banking sector.