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Criminal acts in the banking sector are defined as all types of unlawful acts related to activities in carrying out bank business activities and intersect with the provisions of laws and regulations containing special criminal law and general criminal law. The purpose of this study is to determine the Accountability for Banking Crimes from the Perspective of Criminal Law and Banking Law. Using the Normative Juridical method.The practice or mode of violation of the bank procedure system carried out by bank employees and resulting in banking crimes is carried out with the following characteristics: Banking crimes are always followed by violations of the bank procedure system.In the event of a violation of the bank procedure system and resulting in a crime in the banking sector, the bank as a corporation cannot be held criminally responsible for the crime committed by bank employees because of banking laws and regulations, especially Article 49 of Law No. 10 of 1998 limits the perpetrators to individuals only, namely Directors, Commissioners or Bank Employees. In the event that the impact of the act is detrimental to the bank's customers concerned, then the responsibility that can be demanded of the bank as a corporation is civil responsibility.

This research aims to analyze the internal and external environment of PT MIF Surabaya, namely to find out what factors are the strengths and weaknesses of the company as well as knowing the opportunities and threats faced by the company and formulating the best and most suitable marketing strategy for PT MIF Surabaya by taking into account internal factors (strengths and weaknesses) and external factors (threats and opportunities) to face business competition in the field of Domestic Forwarding and Logistics. One of PT Meratus Line's strategies in developing market penetration in Indonesia is through the formation of PT MIF which was determined by the Decree of the Minister of Justice of the Republic of Indonesia No.C2.734.HT.01.01 – 1991 dated March 6 1991, and published in Supplement to the State Gazette of the Republic of Indonesia No. 26 dated March 3 1992. During this period, it caused quite a lot of concern for other Forwarding Companies which had become Meratus Line customers. With commitment and proof from the Meratus Group that MIF is not permitted to compete for customers from Forwarding Companies that use Meratus Line services, PT MIF has succeeded in becoming "sales" or an extension of Meratus Line in bringing closer the relationship between Meratus Line and end customers. With the support of PT Meratus Line as a holding company engaged in inter-island shipping and has experience since 1957, PT MIF concentrates its business on shipping cargo expeditions. PT MIF Surabaya's strengths are intensive Research and Development, marketing growth, Brand Image, consumer satisfaction and market share as well as large and well-trained human resources

Green Companies are a necessity for businesses to ensure sustainability in environmental management, preventing pollution and environmental damage during construction, production, or when products or services are used by customers, even up to the point of disposal. To provide satisfaction to tourists, tourist attractions must have adequate facilities to support the needs of tourists during their visit and to fulfill their expectations. Green industries and tourism play a crucial role in local economic development and environmental conservation. This study aims to provide assistance to green industries and tourism facilities in Kampung Batik Malon, focusing on sustainable development and empowerment of the local community. Assistance is provided through skills training to improve the quality of batik products and introduce environmentally friendly production techniques. In addition, the development of tourism facilities, such as homestays based on local culture and interactive batik galleries, is implemented to enhance the attractiveness of the tourist destination. Local community empowerment is carried out through participation in the decision-making process and the establishment of cooperatives to improve market access. The assistance also involves a sustainable approach to managing industrial waste and promoting environmentally friendly practices. The results of this assistance implementation show a significant increase in the quality of batik products, an increase in the number of tourist visits, and an increase in the income of the local community. Additionally, Kampung Batik Malon has successfully reduced its environmental impact through more sustainable production practices. Therefore, this activity contributes to sustainable development by demonstrating that the integration of green industries and tourism can be a successful model for strengthening the local economy while preserving the environment. Furthermore, this research provides guidance for other villages that wish to adopt a similar approach in developing the local potential of tourist attractions.

Indonesia is the country with the fourth largest number of internet users in the world, after the United States, with 212.9 million users in 2023. The development of technology and the internet has had a significant impact on people's lives, especially in terms of online shopping. E-commerce users in Indonesia have increased significantly in recent years. Shopee is one of the platforms that is often used by Indonesians to shop online easily, safely, and quickly. This platform supports customers with strong payments and logistics services, and can be easily accessed via smartphones. Shopee Express, as part of Shopee's e-commerce service, has advantages over other platforms because of the various offers provided. However, a number of Shopee consumers have complained about the delivery service, ranging from damaged goods to packages that arrive late. This study aims to determine the effect of  Customer Experience, Security, and Punctuality on Shopee Express Customer Satisfaction in Bandung City. This study uses a descriptive and verification approach with quantitative methods, and data collection techniques using questionnaires. Respondents' answers to the questionnaires distributed were then analyzed using research instrument analysis, classical assumption tests, and multiple linear regression. The statistical analysis tool used in this study is the Statistical Package for the Social Science (SPSS) software. The number of samples in this study was 385 people, selected through simple random sampling techniques. The results of multiple linear regression analysis show that partially,  Customer Experience has an effect of 11.953, Security of 5.466, and Punctuality of 8.647, which have a positive and significant effect on Customer Satisfaction. Simultaneously,  Customer Experience, Security, and Punctuality have a positive and significant effect on Customer Satisfaction of 389.559, with a coefficient of determination of 75.2%.

Halal certification plays a very important role for Micro, Small and Medium Enterprises (MSMEs), especially in an increasingly competitive market. For MSMEs, halal certification is not just a label but also a strategic tool that can increase competitiveness and consumer confidence. This study uses a qualitative method to understand the important role of halal certification regulations in MSME compliance at “Gethuk Frozen Mama Wina” in Wonosari Village. The qualitative method was chosen because it allows researchers to explore and gain an in-depth understanding of the subjective experiences and views of various related parties. Primary data was collected through in-depth interviews with Ms. Wina, the owner of Gethuk Frozen, and some of her regular customers. The results of this study highlight the important role of halal certification regulations in MSME compliance, especially at Gethuk Frozen Mama Wina in Wonosari Village. The results of interviews with Ms. Wina and consumers show that halal certification has a significant impact on various aspects of MSME operations and marketing.

Marketplace system is a means of meeting sellers and buyers online, in this case service providers and car renters. With this information system, renters no longer need to bother looking for the required car that matches the criteria, and service providers are also easier in marketing and expanding their marketing reach. This system was built using the RAD (Rapid Application Development) method of development which allows customers to place orders, select vehicles, eliminating complexity in the traditional process involving visits to rentals. In car rental services there are several problems that need to be resolved. First, there is no web-based information system service that makes it easy for customers to access car rental service company information. Second, conventional services are still fairly slow. Currently, reservations are made in two ways, namely coming to the place or contacting the telephone number on Whatsapp so that prospective tenants have to wait for a response from the rental provider to get information about prices and available cars. Therefore, a car rental information system is needed that specifically serves fleet rental with online booking to display transaction information in the form of car rental and return on the system dashboard to support strategic purposes. This research focuses on building a car rental information system using the PHP programming language with the CodeIgniter framework.  

Information technology is developing rapidly, making it easier for companies to interact between countries and consumers. So that the company improves its competence to increase market share. The marketing information system helps companies to find out the needs of consumers and consumers can easily find information about a product from the company. The purpose of this study is to determine the influence of marketing information systems and product quality on purchasing decisions. The analysis unit of PT. Schneider Electric in the city of Bandung, West Java. The source of research data is primary, namely distributing questionnaires online and secondary data. The population is potential customers in the city of Bandung, the sample drawing technique uses a census of 100 customers. The results of the descriptive analysis of the marketing information system, product quality and purchase decisions in the score interval of 421-501 are very good. Associative analysis F calculates > F table so that there is an influence of marketing information systems and product quality on purchasing decisions At PT. Schneider Electric in the city of Bandung, West Java by 99.2%.

Service companies tend to play the Quality of Service, Promotion and competency of employees to be more skilled in acting as employees who care about the needs and help the difficulties of consumers or customers. This is also supported by one of the factors of a fun playground along with other supporting infrastructure. The purpose of the study is to determine the influence of service quality and promotion on Consumer Interest in Parahyangan Golf Club. Descriptive and associative research methods. This research unit at PT. Parahyangan Golf Club, West Bandung Regency, West Java. The population is 200 athletes. The sampling technique is a census. The duration of the study is 6 months from January to July 2024. The results of the descriptive study showed that the variable of service quality showed a very good interval, the promotion variable showed a very good interval. And the Consumer Interest variable shows a very good interval descriptively. The influence of service quality and promotion on consumer interest is 26%.

There are three issues studied in this thesis, namely: The role of Micro Business Productive Fund Assistance (BPUM) on the sustainability of MSMEs, procedures for distributing Micro Business Productive Fund Assistance (BPUM) to MSMEs, and maintaining business continuity during the Covid-19 pandemic. The aim of this research is to determine the role of Micro Business Productive Fund Assistance (BPUM) on the sustainability of MSMEs, to find out the procedures for distributing Micro Business Productive Fund Assistance (BPUM) on the sustainability of MSMEs and to find out how to maintain business continuity during the Covid-19 pandemic in the sub-district. Tungkal Ilir in 2020 and 2021. To reveal this problem in depth and comprehensively, researchers used a qualitative approach by collecting data using observation, interviews and documentation. The data analysis technique used is field analysis using the Miles and Huberman interactive model including data reduction, data display, data verification. From the research results, it can be concluded that the role and potential of BPUM are: The BPUM program will be a temporary buffer for micro businesses to reduce the negative impact of social restrictions/pandemic, encouragement to increase MSME data, accuracy of targeting of aid distribution and encouragement to BPUM beneficiaries related to licensing, certification and taxation systems. The procedures for distributing BPUM are listed in Chapter IV, Article 7 of the Regulation of the Minister of Cooperatives and Small and Medium Enterprises of the Republic of Indonesia Number 6 of 2020 concerning General Guidelines for National Support for Economic Recovery in the context of threats that endanger the nation's economy and saving the national economy during the COVID-19 virus. And there are three factors that play a role in maintaining business continuity during the COVID-19 pandemic, namely the ability to innovate, manage customers and return on investment.

Photography has grown rapidly, especially in the wedding photography industry which now requires an effective business promotion strategy. This research aims to identify how business people utilize Instagram as a promotional medium and strengthen Instagram content in Sekawan Stories' wedding photography business promotion strategy. Using a descriptive qualitative method, this study collected data through interviews and virtual ethnographic observations to understand how Sekawan Stories utilizes Instagram as a promotional medium. The results show that Sekawan Stories effectively utilizes various Instagram features, such as Feed, Instastory, Highlight, Video Reels, and Instagram Ads to increase visibility and audience engagement. Their marketing strategies include endorsements with well-known vendors, use of the Answer Question feature, conducting giveaways, and offering discounts at certain moments. Instagram provides a great opportunity for wedding photography businesses to expand their market reach and increase promotional effectiveness. By optimizing their content and marketing strategies on Instagram, Sekawan Stories managed to attract the attention of new customers, increase interaction, and strengthen relationships with existing customers. Overall, Instagram proved to be a highly effective platform in digital marketing strategies in the wedding photography industry.  

The emergence of financial technology (fintech) has brought significant disruption to the conventional banking industry. Fintech offers faster, cheaper and more accessible financial services, which appeal to many customers, especially the younger generation. This study aims to analyse the impact of fintech on the future of conventional banking, with a focus on Bank Mandiri, one of the largest banks in Indonesia. The results show that fintech has a significant impact on various aspects of conventional banking, including: 1) Products and services. Fintech offers innovative and diverse financial products and services that conventional banks cannot access. 2) Distribution channels: Fintechs utilise digital technology to reach customers directly, without the need for physical branches. 3) Business model. Fintech has a more efficient and cost-effective business model compared to conventional banks. 4) Customer engagement. Fintech offers a more personalised and interactive customer experience. Bank Mandiri shows that the bank has taken various strategic steps to face competition with fintech, such as: developing digital services, collaborating with fintech startups, improving operational efficiency. Disputes between fintech consumers and fintech service providers can be resolved through: negotiation, mediation, arbitration, court and legal comparison with default. In addition, we also highlight the need for collaboration between government agencies, industry players, and the tech community to develop a comprehensive and adaptive regulatory framework.

In this study, a website and UI/UX design ordering service system was developed. This system offers clients to make orders through a website that can make it easier for people to find service experts in the field of website and UI/UX design. The development of this system was carried out using the Extreme Programming (XP) method, this method is a software development that emphasizes flexibility, communication, and adaptability to changing requirements. Researchers will use short iterations to create, build, and test websites and UI/UX designs. To ensure a thorough understanding of client requests and preferences, developers and customers will communicate more frequently. The testing method on the system used in this study is User Acceptance Testing, which is a testing stage where the system or software is evaluated to ensure that the system meets user needs and requirements. Users perform this test to ensure that the system functions properly and meets their expectations. The results of this study, system development using the Extreme Programming (XP) method is very helpful for developers because the needs of each user are clearly defined, the use of the User Acceptance Testing method shows that each function of the application system operates according to user needs. Thus, the use of the Extreme Programming method can improve the system development.

The Influence of the Quality of Decorative Coral (Coral) Products in Increasing Sales at CV Bali Samudra Anugrah. Supervised by Ratnawati and Mauli Kasmi.A very important factor for a company in carrying out purchasing and sales transactions is quality. Quality is one of the attractions or desires of consumers. In developing products, companies have a greater opportunity to gain new customers, of course if the products sold meet expectations. The purpose of this research is to determine the influence, relationship or correlation, magnitude of perception, and significance of the quality of decorative coral (Coral) products on increasing sales at CV Bali Samudra Anugrah. The data collection technique used is a questionnaire. The data analysis technique is quantitative using validity tests, reliability tests, classical assumption tests, simple linear regression analysis and hypothesis testing.      

This research aims to analyze advertising and brand image on purchasing decisions for wild bee honey products. This type of research is research with a quantitative approach. The population in this research is all Wild Bee Honey customers. Determining the sample in the study used probability sampling using the Slovin formula so that the number of samples in this study was 97 employees. The data analysis method in this research uses SPSS analysis tools through validity, reliability, classical assumption tests, namely normality test, multicollinearity test, heteroscedasticity test, multiple linear regression, t test, F test and correlation and determination coefficients. The results of this research show that (1) Advertising variables influence purchasing decisions, this is proven by the significance value of 0.000 < 0.05. 2. The Brand Image variable has a significant effect on purchasing decisions, this is proven by the significance value of 0.000 < 0.05. 3. Simultaneous test results show that the advertising and brand image variables influence the decision to purchase wild bee honey. This can be proven by the Fcount result of 113.280 or a significance value of 0.000 < 0.05.

This article discusses the claims handling process at PT Asuransi General Bumiputera 1967 Medan branch. The aim of this research was to analyze the process of handling claims for general insurance products at PT Asuransi General Bumiputera 1967 Medan Branch. The research method used is a descriptive approach with qualitative methods. Data collected through in-depth interviews with staff employees and field practitioners was carried out to gain a better understanding of the claims handling process, and direct observation allowed researchers to see the procedures carried out. The research results show that the process of handling general insurance product claims at PT Asuransi General Bumiputera 1967 Medan Branch includes several stages, namely claim acceptance, document verification, claim investigation, claim assessment, and claim payment. This process involves various parties, including claims officers, claims experts and customers. In conclusion, the existing systems and procedures at PT Asuransi General Bumiputera 1967 Medan branch have provided satisfactory results in the process of handling general insurance claims, but need to continue to be improved in accordance with technological developments and customer needs.

The research for this thesis is entitled: "Customer Satisfaction Analysis of PT Service Quality. Federal International Finance East Surabaya Branch Using the Servqual Method.” The purpose of this research is to determine the quality of services provided at PT. Federal International Finance East Surabaya Branch towards all customers seen from the 5 dimensions of service and to find out the efforts made to improve service quality at PT. Federal International Finance East Surabaya Branch to retain customers. The analytical tool used in this research uses the Servqual method. From the research results, it is known that the gap for the Physical Evidence dimension has a gap value in the third item of -0.08, namely that employees look neat & professional. The reliability dimension has a gap value in the first, fourth and fifth items, namely if an employee promises to do something within a certain time period, then they actually carry it out at -0.06, employees provide services according to the promised time at -0.46 , and FIFGROUP keeps its data error-free by -0.40. The responsiveness dimension has a gap value in the first and third items, namely that employees will tell customers exactly when service will be provided at -0.04, and employees are always willing to help customers who come at -0.12. The guarantee dimension has a gap value in the second item, namely that customers will feel safe when making transactions of -0.04.    

The high demand for car rental services in Ciputat, South Tangerang, especially at certain times, has encouraged the growth of many car rental businesses. The presence of many car rental operators in Ciputat certainly creates fierce competition between them. Therefore, it is important for these businesses to carry out continuous evaluation and development in order to remain competitive with competitors. Success in providing satisfactory service to customers will make them remain loyal to using their favorite rental services. Conclusions and recommendations from the study conducted related to Web-Based Car Rental Applications in the Adiba Trans Rental Case, which was built using PHP and MySQL. The results of this study indicate that the development of a web-based application for car rental in the Adiba Trans Rental case using PHP and MySQL has succeeded in meeting the expected objectives. This application offers an effective solution for managing car rentals with ease of use via the web. The effectiveness of this application can be seen from its complete functional capabilities, easy-to-use user interface, and smooth integration between PHP as a programming language and MySQL as a database management system.

This research is motivated by an interesting phenomenon in the field where it is difficult for Sharia Banks to maintain customer loyalty because many customers switch to other banks due to the public's lack of knowledge of Sharia Banking. This research aims to find out the strategies or methods used by Bank Syariah Indonesia KCP Bukitinggi Sudirman in maintaining consumer loyalty so that consumers do not move to other banks which has an impact on decreasing financing achievements and collections can decrease, so an analysis of the strategies implemented by Bank Syariah KCP is needed. Bukitinggi Sudirman using SWOT analysis, namely strengths, weaknesses, opportunities and threats. This research is descriptive qualitative in nature and data collection methods are interviews, observation and documentation. Meanwhile, the technical data analysis used by researchers is SWOT analysis, IFE Matrix analysis, EFE Matrix, SWOT Matrix and Score Weight Table analysis. From the results of the research carried out, the strategy that can be implemented in maintaining consumer loyalty at BSI KCP Bukitinggi Sudirman is by using the SO strategy, namely offering a competitive ratio or profit sharing value based on special banking regulations for sharia banks and the strength of the LPS (deposit insurance agency), improving quality. services, socializing bank products (financing) so that they are more easily understood and accepted by the public.

Teman Sejalan.co is a Coffeeshop located in Karanganyar and was established in December 2022. Operations in the Teman Sejalan.co Coffeeshop business certainly include from the initial order to pickup. This is related to the queuing system which must improve its service so that customers do not leave if there is a queue. This research uses the Single Channel Multiphase method which is in accordance with the current conditions of Teman Sejalan.co's servers and services. This data was obtained by going directly to the research object during the "Makgedebrews" event by calculating the customer queue time with the number of customers at that time being 103 customers.  The results of the research regarding the server line service queue system with H1 and H2 were not proven to be true because the number of customers who were enthusiastic about the event held by Teman Sejalan.co. The use of 1 server lane is not optimal at events that are quite popular with customers which causes queues to pile up, so it is better to use 2 lanes at future events so that it is effective when it is busy.

This study aims to analyze the service quality of PDAM Tirta Danau Tempe in Wajo Regency using the Quality Function Deployment (QFD) method with the House of Quality (HoQ) approach. The research methods used include qualitative data collection through interviews and observations, and quantitative data through questionnaires filled out by 30 respondents from 650 PDAM customers. Validity and reliability tests were conducted to ensure data consistency, while HoQ analysis was used to link customer desires with the quality of service provided. The results show that the most important service attributes for customers are the PDAM's good reputation, timely office operation time, and effective communication by staff. However, some aspects such as the company's compliance with service promises and the availability of a comfortable waiting room need to be improved. The conclusion of this study is that there is a need to improve service quality through a thorough evaluation of these attributes to increase customer satisfaction and strengthen their loyalty. Technical recommendations include improving employee work ethics, handling customer complaints, and more appropriate employee placement to improve PDAM service performance.