Publication Search

This study discusses the implementation of Murabahah contracts in pension financing products at Islamic Banks in Indonesia. This study aims to examine the procedures, mechanisms, characteristics, and obstacles faced in the implementation of Murabahah contracts in pension financing. The research method uses a literature approach and field observation to obtain data and information related to the financing process. The results of the study indicate that the pension financing procedure based on the Murabahah contract has been running in accordance with sharia principles and applicable regulations, starting from submission, document verification, feasibility assessment, to disbursement of funds through the wakalah mechanism. The characteristics of pension financing emphasize the certainty of payment through direct autodebit from pension funds. However, there are several obstacles such as limited customer understanding, regulations that are not yet specific, and the complexity of administrative procedures. This study recommends increasing sharia literacy and strengthening regulations to support the development of sustainable sharia pension financing.

This study aims to examine whether price and vouchers influence the purchasing decisions of Economics Education student at Universitas Sebelas Maret on the e-commerce platform Shopee. Forty-five respondent who had previously shopeed on Shopee were given questionnaires as part of quantitative approach and causality study methodology. Multiple linear regression analysis, validity, reliability, and classical assumption test were used to analyze the data. The regression coefficients for price (0,434) and vouchers (0,330) indicate that both price and vouchers have a positive and significant impact on purchasing decisions. Based on the F test, these two factors collectively contribute 55% to purchasing decisions. These results highlight the importance of pricing strategies and vouchers in inflluencing Shopee customers shopping decisions. To make findings more generalizable and comprehensive, future reasearch is recomended to increase the number of respondents and incorporate additional variables, such as aspects related to product quality, service, or promotions

This article examines the case of Warung Sate Kambing in Mojosongo, Solo, with an emphasis on operational activities, business strategies, customer satisfaction, and opportunities for creating applications for digital ordering and payment. The research took a descriptive qualitative approach, applying interview, observation, and literature review techniques. The analysis of this research shows that the application of digital technology, through the creation of web-based applications and the integration of the QRIS digital creation system, can improve service efficiency and expand outreach to customers. The development process is carried out using the Waterfall method to be more organized and systematic.

This research aims to analyze the effect of taste and service quality on customer satisfaction at Hilande Koffie Medan. As the café business continues to grow in urban areas, customer satisfaction becomes a key factor in business sustainability. Hilande Koffie, located in Medan, offers a variety of pastries and beverages that attract many customers, yet some inconsistencies in taste and service have raised concerns. This study uses a quantitative method with a sample of 45 respondents, applying multiple linear regression analysis through SPSS version 25. The results show that both taste and service quality have a positive and significant effect on customer satisfaction, either partially or simultaneously. The coefficient of determination (Adjusted R²) shows that 65% of the variation in customer satisfaction can be explained by the two independent variables. The findings suggest that maintaining consistency in taste and improving staff professionalism are crucial in enhancing overall customer experience. Therefore, Hilande Koffie is recommended to continuously evaluate and improve both aspects to increase customer satisfaction and loyalty.  

This study aims to analyze the influence of hotel facilities and service quality on guest satisfaction at Hotel Whiz Prime Padang. The background of this study is based on the importance of maintaining and improving the quality of hotel services and facilities in order to meet guest expectations and maintain customer loyalty amidst the increasingly tight competition in the hotel industry. This study uses a quantitative approach with a causal associative descriptive method. Data collection was carried out by distributing questionnaires to 379 respondents who had stayed at Hotel Whiz Prime Padang. The data analysis technique used was multiple linear regression with the help of SPSS version 22.The results showed that hotel facilities and service quality had a positive and significant effect on guest satisfaction. The coefficient of determination (R²) value of 0.739 indicates that 73.9% of the variation in guest satisfaction can be explained by hotel facilities and service quality significantly, while the rest is influenced by other variables outside this study. This finding indicates that the better the quality of facilities and services provided by the hotel, the higher the level of guest satisfaction will be. Therefore, the management of Hotel Whiz Prime Padang needs to evaluate and improve aspects of physical facilities as well as staff competence and attitudes in providing services to maintain guest satisfaction and loyalty.

The tight competition in the premium smartphone industry requires companies to understand the factors that influence brand loyalty. iPhone is one of the products that remains in demand despite its relatively high price, indicating the important role of customer experience and perceived quality. This study aims to examine the effect of customer experience, perceived quality, and price on brand loyalty with customer satisfaction as a mediating variable. This research approach is quantitative with a survey method of 100 iPhone user respondents in Semarang City. Data analysis was carried out using the Structural Equation Modeling (SEM) technique with the help of the SmartPLS application. The results of the study indicate that customer experience, perceived quality, and price have a positive and significant effect on customer satisfaction. Furthermore, customer experience, perceived quality, and price do not affect brand loyalty. However, customer satisfaction has a positive and significant effect on brand loyalty. Then, customer satisfaction is able to mediate the relationship between customer experience and brand loyalty. However, customer satisfaction is unable to mediate the relationship between perceived quality and price on brand loyalty. The practical implication of these results is the importance of companies to focus on improving customer experience, product quality, and pricing strategies in order to strengthen their brand position in a competitive market.

This study aims to deeply analyze the effect of brand association, product quality, and customer loyalty on saving decisions at Bank Syariah Indonesia (BSI) KC Gajah Mada, Palu City. With a focus on customer behavior, this research also seeks to understand how these three factors interact with each other and contribute to shaping savings decisions at Islamic banks. The method used in this research is a quantitative approach with a survey design to obtain objective and measurable data. The research sample consisted of 98 respondents selected by purposive sampling, namely with certain criteria relevant to the research objectives. The results showed that the brand association variable had no significant effect on saving decisions at Bank Syariah Indonesia KC Gajah Mada, Palu City. In contrast, the variables of product quality and customer loyalty are proven to have a significant influence on saving decisions. Simultaneously, the three variables together have a significant influence on saving decisions. This is reinforced by the results of the F test which shows the calculated F value of 69.100, which is greater than the F table of 3.94, with a significance level of 0.001, which means that the regression model used is feasible and these variables contribute significantly in explaining the customer's saving decision. The implication of this research for BSI is to strengthen brand association and improve product quality and pay attention to customer loyalty. For students, this research can be a reference in Islamic banking studies, and for future researchers it is recommended to add other variables to enrich the analysis.

This study aims to analyze the effectiveness of funding sourced from Danantara—a digital platform that manages state investment with funding support from state-owned bank customers—in supporting the acceleration of national development. In the context of state investment, collaboration between the Investment Management Institution (LPI) and state-owned financial institutions is important as a form of fiscal innovation and expansion of non-APBN financing sources. The method used is a qualitative descriptive approach with literature studies from various scientific journals and related laws and regulations. The results of the study show that Danantara has the potential to be a reliable, flexible, and sustainable long-term funding instrument. Through funds collected from state-owned bank customers, state investment can be focused on strategic sectors such as infrastructure, energy, and digitalization. However, its effectiveness is still faced with regulatory challenges, transparency of governance, and public literacy regarding state investment mechanisms. For this reason, it is necessary to strengthen regulations and synergy between financial institutions, as well as increase public trust so that Danantara can function optimally as the main supporter in realizing fiscal independence and national economic growth.

Consumer behavior, especially in online shopping, has evolved significantly due to advances in digital technology. The researcher aims to examine how price and product quality affect customer purchases on Tokopedia. A quantitative research approach was used, involving 52 active Tokopedia users as respondents. Data were analyzed using multiple linear regression through IBM SPSS version 29. The findings show that product quality and price have a significant influence and lead to a positive impact in shaping consumer purchasing decisions. Between the two, price has a greater influence, with a coefficient value of 0.413 compared to 0.272 for product quality. The R² value of 0.419 indicates that both elements contribute 41.9% of the variance in purchasing decisions. These results highlight the importance of a competitive pricing strategy and providing products that meet customer expectations to drive sales on digital platforms. However, other elements such as customer reviews, service quality, and seller reputation should also be considered to support better purchasing decisions.

This study discusses the implementation of Murabahah contracts in pension financing products at Islamic Banks in Indonesia. This study aims to examine the procedures, mechanisms, characteristics, and obstacles faced in the implementation of Murabahah contracts in pension financing. The research method uses a literature approach and field observation to obtain data and information related to the financing process. The results of the study indicate that the pension financing procedure based on the Murabahah contract has been running in accordance with sharia principles and applicable regulations, starting from submission, document verification, feasibility assessment, to disbursement of funds through the wakalah mechanism. The characteristics of pension financing emphasize the certainty of payment through direct autodebit from pension funds. However, there are several obstacles such as limited customer understanding, regulations that are not yet specific, and the complexity of administrative procedures. This study recommends increasing sharia literacy and strengthening regulations to support the development of sustainable sharia pension financing.

The reason of this study is to research the impact of product pleasant and price notion on client loyalty at PT Langgeng Utama Rekaindo Kediri using customer pleasure as a mediating variable. A quantitative technique is used on this take a look at and Structural Equation Modeling-Partial Least Squares (SEM-PLS 4.0) as an evaluation technique. a web questionnaire changed into used to accumulate facts with a 4-point Likert scale and 140 respondents were involved with the purposive sampling technique used. The effects showed that product high-quality shows a advantageous and significant direct impact on client loyalty. rate notion has a high quality effect on client loyalty, but this effect is not statistically significant. Product high-quality shows a high-quality and significant direct effect on client pride. fee perception shows a fantastic and massive direct impact on client satisfaction. client delight has a positive effect on client loyalty, but this effect is not statistically significant. Product high-quality shows a direct impact on client loyalty thru mediation of client pride does now not show tremendous results. The indirect effect of rate belief on client loyalty via mediation of purchaser pride also does not show sizeable consequences.

Risk control mechanisms in murabahah and mudharabah financing are implemented to anticipate potential risks arising from the customer's position. The objective is to uphold sharia principles while ensuring that the mitigation efforts by Sharia Rural Financing Banks (BPRS) provide advantages for both the bank and the wider community, particularly the customers. This qualitative case study investigates BPRS Madina in Yogyakarta. The findings reveal that BPRS Madina adopts several approaches to mitigate risks in murabahah and mudharabah financing. First, it verifies the completeness of financing documents using available data sources. Second, it checks for any history of problematic financing by the customer. Third, when necessary, the bank conducts restructuring to minimize risk. Additionally, BPRS Madina carries out risk control measures based on DSN MUI Fatwa No. 04/DSN-MUI/IV/2000 on Murabahah Financing and No. 07/DSN-MUI/IV/2000 on Mudharabah. While Islamic financial institutions do not inherently require guarantees in financing, they are permitted to request collateral to prevent losses. This collateral is not intended to ensure full compliance with the contract terms but rather to safeguard the return of the capital provided. Lastly, the risk management strategies employed by BPRS Madina for murabahah and mudharabah financing are deemed effective, as less than 1% of customers currently encounter issues, and operational risks remain well-managed.    

Strengthening the position of cooperatives as business entities that are responsive to market changes and capable of competing effectively requires a well-planned business development strategy. In facing the challenges of globalization and increasingly complex business competition, cooperatives can no longer rely solely on the principle of togetherness but must implement a modern managerial approach based on data and measurable strategies. This study aims to analyze how cooperatives develop their businesses by understanding market characteristics and competitor strategies through the application of operations management using the Balanced Scorecard (BSC) framework. The method used is a literature review with a qualitative descriptive approach, focusing on analyzing various literatures related to cooperative management, strategic management, and organizational performance measurement systems. The findings show that the Balanced Scorecard is effective as a tool to assist in formulating comprehensive strategies through four main dimensions: financial, customer, internal process, and learning and growth. With this approach, cooperatives can improve operational performance, gain deeper insights into market needs, respond appropriately to competition, and create long-term value for all their members.

This study aims to analyze the effect of Assistance Services and Transaction Security on User Emotional Experience, with Customer Satisfaction as a mediating variable in the context of using a digital wallet (e-wallet). This study uses a quantitative approach with a causal-comparative method. Data collection was carried out by distributing online questionnaires using Google Form to 150 respondents who are active e-wallet users. The research model consists of four latent variables, each of which is measured by three reflective indicators. The data analysis technique uses the Partial Least Squares Structural Equation Modeling (PLS-SEM) method with the help of SmartPLS software, and is supported by descriptive analysis using SPSS. Validity and reliability tests are carried out through outer loading tests, Average Variance Extracted (AVE), Cronbach's Alpha, and Composite Reliability. Hypothesis testing is carried out by considering the path coefficient, t-statistic, and p-value values. The results of the study indicate that Assistance Services and Transaction Security have a significant effect on Customer Satisfaction. Assistance Services also have a direct effect on Emotional Experience, while Transaction Security does not have a direct effect on this variable. Customer Satisfaction has a significant effect on Emotional Experience, and is proven to be a significant mediator in the relationship between Assistance Service and Transaction Security on Emotional Experience.

The development of information technology and the increasing use of e-commerce is driving demand for fast and reliable delivery services. This research aims to analyze the impact of delivery time services on customer satisfaction at expedition service companies, with a case study of Lion Parcel Sub Agent Tegal. The research method used is a quantitative method with a survey approach by distributing questionnaires to Lion Parcel Tegal customers. Data were analyzed using validity, reliability, correlation and simple regression tests with the help of SPSS 25 software. The research results showed that there was a significant relationship between delivery speed and customer satisfaction level, with a correlation value of 0.911 and an influence of 83%. This indicates that the faster the delivery service, the higher the level of customer satisfaction. It is hoped that this study can be a reference for expedition service companies in improving the quality of their services to compete in the competitive logistics industry.

This study aims to examine the influence of price and store atmosphere on repurchase decisions, with customer satisfaction as a moderating variable among Beocca Coffee consumers in Malang Regency. A quantitative explanatory approach was employed, involving 130 respondents selected through purposive sampling. Data were collected via an online questionnaire and analyzed using Partial Least Square–Structural Equation Modeling (PLS-SEM). The results show that price, store atmosphere, and customer satisfaction have a positive and significant effect on repurchase decisions. However, customer satisfaction was not proven to moderate the relationship between price and repurchase decisions, nor between store atmosphere and repurchase decisions. These findings indicate that price and store atmosphere influence repurchase decisions directly, regardless of customer satisfaction levels. The practical implication is that coffee shop managers should focus on offering competitive prices and creating a pleasant store atmosphere. Although customer satisfaction does not act as a moderator, it remains a crucial direct factor affecting loyalty. Future studies are encouraged to expand the research scope geographically and include additional variables such as customer loyalty, perceived quality, or digital marketing strategies to deepen the understanding of repurchase behavior in the local coffee shop industry.

This study aims to explore the meaning of work ethics in relation to employees’ mental health within the café industry, with a specific focus on Ox Coffee in Medan. Utilizing a descriptive qualitative approach, data were collected through in-depth interviews with five permanent employees across various roles. The findings indicate that the application of work ethics at Ox Coffee encompasses discipline, responsibility, open communication, customer service, and skills development. Employees perceive work ethics as a guide for managing job-related stress, a foundation for psychological well-being, a contributor to professional identity, and a mechanism for reducing workplace conflict and tension. Key factors such as fairness in task distribution, constructive communication, recognition of employee contributions, and work-life balance were found to significantly influence mental health. The study recommends strategies including the development of a supportive and inclusive work culture, skills training, effective communication systems, and mental health programs to foster a psychologically healthy workplace in the café sector.

This study aims to determine the influence of customer experience on guest repurchase intention at Favehotel Olo Padang. The background of this research is based on the importance of customer experience in shaping guests' desire to return to use Favehotel Olo Padang services. This study uses a quantitative approach with a causal associative descriptive method. Data collection was carried out through the distribution of questionnaires to 344 respondents who had or were staying at Favehotel Olo Padang. Data analysis was carried out by simple linear regression using the help of SPSS version 26. The results of the study show that customer experience has a positive and significant effect on repurchase intention. This is evidenced by a regression coefficient value of 0.864, and a significance value of 0.000 (< 0.05). An R-Square value of 0.755 indicates that 75.5% of the variation in repurchase intention can be explained by customer experience. Thus, it can be concluded that the better the experience felt by guests, the greater the likelihood of them returning to stay at Favehotel Olo Padang.

This research discusses the strategic role of MSMEs in the Indonesian economy and explores digitalization as a marketing solution to overcome challenges such as less strategic location and low digital literacy. The aim is to investigate the impact of digitalization on MSME marketing strategies, particularly in improving operational efficiency and market reach. The method used is qualitative with a literature review from credible sources such as books and scientific journals. The results show that digitalization significantly improves the marketing effectiveness of MSMEs, as in the case study of Warung Sarapan Tiga Dara which is able to overcome location limitations by utilizing social media and digital tools to reach a wider audience. In conclusion, the implementation of digital marketing strategies is essential for MSMEs to thrive in a competitive environment by improving operational efficiency, customer engagement, and business sustainability despite location constraints.

This study uses the Mean Value Analysis (MVA) approach to analyze the queuing system at the Mixue Ice Cream & Tea cashier counter on Jalan Pahlawan in Magelang City. The MVA method was chosen because it can handle general time distributions between arrivals and services. The research was conducted through direct observation and interviews over the course of two days, during which time data was collected on the time between arrivals and customer service. The analysis revealed that the system was not in a steady state, as the arrival rate (0.0122 customers per second) exceeded the service rate (0.0111 customers per second). High service variability (CV = 276.30%) compared to arrival variability (CV = 69.46%) indicates service instability. On average, customers waited 47.08 seconds, and the total time in the system was 137.17 seconds. These results are important because they indicate the need for increased efficiency and standardized services to prevent a decrease in service quality.