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This article is a literature review that discusses challenges and opportunities in the development of Sharia banking in the digital era. With the rapid development of technology, the Sharia banking industry is faced with various changes that affect operational methods, services, and interactions with customers. This study explores the various challenges faced by Sharia banking in the digital era, such as data security, technology integration, and regulatory adaptation. In addition, this article also discusses the opportunities that open up for the development of Sharia banking in the digital era, including the potential to increase financial access for the community, the development of innovative products and services, as well as the strengthening of relationships with customers through digital platforms. By understanding these challenges and opportunities, the Sharia banking industry can formulate the right strategy to take advantage of the potential of digitization in expanding coverage and improving sustainability.

In the rapidly developing digital era, online businesses face increasing challenges to achieve significant profits without sacrificing spending efficiency. To overcome this challenge, an optimal online marketing strategy is needed that can reach the right target market without significantly increasing operational costs. This journal discusses several online marketing strategies that are effective in increasing profits relevant to expenditure. From a deep understanding of the target market to the use of social media and careful data analysis, every step taken is based on the principles of efficiency and effectiveness. By implementing the right marketing strategies, businesses can increase their visibility online, attract more potential customers, and increase sales conversions without having to exceed their available budget. Thus, this journal provides practical guidance for business owners and marketers to achieve success in their online sales without sacrificing profitability.

The study aims to analyze the influence of business communication and social media on the growth of Warkop Seulawah Kupi in Medan City. The number of customers and popularity of Warkop Seulawah has increased in recent years. It is suspected that the main factor in this development is the effective use of social media and good business communication with suppliers, distributors and other business partners. The method used is quantitative using multiple linear regression analysis techniques . The research results show that the two independent variables of business communication and social media have a positive and significant influence on the business development of Warkop Seulawah. The results provide traditional businesses with an understanding of how important it is to utilize social media and business communications to face competition in the digital era.      

A skill in women's entrepreneurship is needed because it can increase income in the Jember Regency area. Women who have skills tend to be more able to start and run their businesses well. With good skills, it is also more possible for women to be more flexible in facing an economic challenge. A business also needs the right marketing strategy and in accordance with the target market to be targeted. This strategy is useful for facing challenges or obstacles that exist in a women's entrepreneurship. This study aims to determine the influence of women's entrepreneurial skills in increasing income in Jember Regency using Tony Barnett's theory of social movements. In this study, the research method used is qualitative with data collection techniques through observation, interviews, and documentation. The results of this study show that women's entrepreneurial skills in increasing income are still very effective to be carried out because these skills are useful for attracting the attention of customers to be interested in buying the products that have been offered. It needs to be improved in terms of promoting the products offered so that the social media owned is more crowded and the products are better known by many people, especially among students.  

The aim of carrying out this research is to find out the implementation of the Sharia productive financing program in increasing income at PT Pemodalan Nasional Madani Syariah Pujon. The type of research used in this research is field research (Field Research). This research approach is descriptive analysis. This research aims to determine the impact of the Sharia productive financing program on increasing the income of women's MSMEs in Pujon. In preparing this research, the author clarified the data sources into 2 types, namely: 1) Primary data; 2) Secondary Data. Data collection techniques in this research were obtained through the following methods and stages: 1) interviews; 2) Observation and 3) documentation. The results of this research are the productive financing application mechanism at PT Permodalan Nasional Madani, namely that prospective customers submit applications by bringing initial documents and filling in the financing application form. Customers who take out or carry out productive financing with PT Permodalan Nasional Madani as a business need, the micro-business runs by the customer experiences an increase in income. So that with this financing, the business run by the customer can develop and increase the customer's income. By increasing the stock of goods or equipment in the business run by the customer, the business also experiences progress in terms of income, production and performance

This research highlights the importance of social capital in the development of home laundry businesses in Jember. Starting from the significant contribution of MSMEs to the Indonesian economy, especially in creating jobs and driving the economy, the focus of this research is the laundry business as a type of service business that continues to grow. The aim of this research is to analyze the factors that influence the welfare of laundry business actors in Jember, as well as how social capital can be used to overcome challenges such as tight competition and limited capital. This research uses a qualitative descriptive approach with data collection methods in the form of in-depth interviews, observation and documentation. The research results show that social capital through customer networks, local partnerships, and response to feedback can improve the performance and desirability of laundry businesses. The implications of this research emphasize the importance of social capital-based strategies in strengthening relationships with customers and local communities to achieve sustainable business success.    

This study aims to examine the role of customer satisfaction and trust as determinants of loyalty in Grab online transportation services in Medan City. The research method used is a qualitative approach with a survey method. Data collection was carried out through the distribution of online questionnaires to 60 respondents selected using purposive sampling technique. The data were analyzed descriptively using a Likert scale. The results showed that customer satisfaction, which includes service quality, driving experience, driver professionalism, vehicle cleanliness, and complaint handling, was rated quite well by the respondents. Customer trust in Grab as a safe, transparent, and reliable transportation choice has also proven to be an important factor in building loyalty. However, customer loyalty to Grab is not very strong, given the intense competition in the online transportation industry. The implication is that Grab and similar companies need to continue improving service quality, ensuring customer safety and comfort, responding to complaints effectively, and implementing effective marketing strategies to retain customers. This research provides valuable insights for online transportation service providers in their efforts to enhance customer satisfaction, trust, and loyalty amidst dynamic market competition.

Price is very important in marketing strategy because it interacts with all other aspects to determine the overall effectiveness of the strategy. Pricing objectives should be aligned with overall marketing objectives. The aim of this research is to find out the pricing strategy used by one of the Hannochs distributors in Tembung in facing competition between other distributors. The research method used in this research is descriptive qualitative. The technique used to obtain data in this research was an interview with one of the Hannochs distributors and also using literature study techniques. Based on the results of interviews, Hannochs distributors in Temhung face competition by setting prices based on comparisons with other stores, providing bonuses, and using discount strategies to attract customers. They also make price changes to maintain consumer appeal even though the profits taken are lower. This strategy is successful in increasing customer loyalty because prices are cheaper than competitors.

Abstract. This study analyzes the factors determining customers' choices regarding wadiah savings in Islamic banks. Islamic banks, as financial institutions operating based on Islamic principles, offer wadiah savings products that are free from interest, speculation, and uncertainty, making them an attractive option for individuals who wish to accumulate savings in accordance with sharia. Using qualitative methods and a literature study approach, it was found that the determinants of customers choosing wadiah savings are influenced by internal and external factors. Internal factors include personality, religiosity, knowledge, and family influence. External factors include occupation, social interaction, service quality, and other factors such as economic conditions, technology, regulation, and promotion. Understanding these factors is crucial for Islamic banks in designing effective marketing strategies. These strategies can enhance customer satisfaction, attract new customers, and strengthen the position of Islamic banks in a competitive market. Keywords: Sharia Bank, Wadiah Savings, Influence Factors, Marketing Strategy. Abstrak. Penelitian ini menganalisis faktor-faktor yang menentukan pilihan nasabah terhadap tabungan wadiah di bank syariah. Bank syariah, sebagai lembaga keuangan yang beroperasi berdasarkan prinsip-prinsip Islam, menyediakan produk tabungan wadiah yang bebas dari unsur bunga, spekulasi, dan ketidakpastian, menjadikannya pilihan menarik bagi individu yang ingin mengakumulasi tabungan sesuai dengan syariah. Dengan menggunakan metode kualitatif dan pendekatan studi literatur, ditemukan bahwa penentu nasabah dalam memilih tabungan wadiah dipengaruhi oleh faktor internal dan eksternal. Faktor internal meliputi kepribadian, religiusitas, pengetahuan, dan pengaruh keluarga. Faktor eksternal termasuk pekerjaan, interaksi sosial, kualitas pelayanan, dan faktor lainnya seperti kondisi ekonomi, teknologi, regulasi, dan promosi. Pemahaman terhadap faktor-faktor ini penting bagi bank syariah dalam merancang strategi pemasaran yang efektif. Strategi ini dapat meningkatkan kepuasan nasabah, menarik nasabah baru, dan memperkuat posisi bank syariah di pasar yang kompetitif. Kata kunci: Bank Syariah, Tabungan Wadiah, Faktor-Faktor Pengaruh, Startegi Pemasaran.

Finding out what makes Gudeg Yu Djum Wijilan Yogyakarta customers happy is the main goal of this study. Customer satisfaction (Y) is the dependent variable, whereas taste and service quality are the independent factors. One hundred Gudeg Yu Djum Wijilan Yogyakarta consumers who have bought and eaten this product make up the sample for this study. It is SPSS 25 that is utilized for the analysis. Research and analysis employing regression analysis led to the conclusion that High-Quality Taste and Service Significantly Impact Consumer Satisfaction.

In the rapidly evolving digital era, mobile banking services have emerged as one of the forefront innovations in the banking industry. This article discusses the importance of customer satisfaction through mobile banking services as a crucial banking service. Adopting a qualitative approach, this research utilizes data from 10 questionnaire responses to analyze the four dimensions of mobile banking quality: convenience, security, ease of use, and design. Additionally, the study considers aspects of communication and customer service. The results of the analysis indicate that customer satisfaction plays a significant role in building a strong relationship between banks and customers. By optimizing the quality of mobile banking services, including convenience, security, ease of use, and design, banks can ensure better customer satisfaction, enhance customer loyalty, and strengthen their position in an increasingly competitive market. The interpretation of the data also provides personal recommendations as an additional aspect, emphasizing the importance of improving critical aspects of mobile banking services. These recommendations reinforce the conclusion that focusing on customer satisfaction will help banks achieve a competitive advantage in the current digital era.

Customers who enter into insurance agreements online receive legal protection based on Law no. 40 of 2014, Consumer Protection Law, Civil Code, KUHD, and Law no. 11 of 2008 concerning Information and Electronic Transactions. Thus, an online insurance policy is recognized as a legally valid electronic document, both in digital and printed form. OJK is responsible for insurance supervision, both online and offline, with a focus on aspects of governance, business ethics and financial health. This supervision includes analysis of reports, examinations and investigations, which are part of the OJK's duties in regulating and supervising the financial services sector in Indonesia.  

This research aims to examine the effect of website performance on customer satisfaction and loyalty in e-commerce. E-commerce has become an important platform in e-commerce, and website performance has become a critical factor in achieving customer satisfaction and loyalty. In this research, the conceptual framework used includes three main constructs: website performance, customer satisfaction, and customer loyalty. Website performance is measured along several dimensions, including access speed, reliability, user interface, and content quality. Customer satisfaction is measured as the customer's perception of the quality of service and shopping experience on an e-commerce website. Customer loyalty is measured through repeat purchase intentions and recommendations to others. The research results show that website performance has a significant positive influence on customer satisfaction in e-commerce. Website performance dimensions, such as access speed and reliability, are critical in creating customer satisfaction. Apart from that, customer satisfaction also has a significant positive influence on customer loyalty. Satisfied customers tend to have a higher intent to make repeat purchases and recommend a website to others. The practical implication of this research is the importance of improving website performance to achieve customer satisfaction and loyalty in e-commerce. Business people should pay attention to aspects such as access speed, reliability, user interface, and content quality in the development and maintenance of their websites. Apart from that, efforts to increase customer satisfaction must also be the main focus, because customer satisfaction has a significant impact on customer loyalty.

This article discusses the importance of building an e-commerce ecosystem that supports the growth of Micro, Small and Medium Enterprises (MSMEs). In an era of increasingly rapid digitalization, MSMEs need to adopt e-commerce platforms to expand their market reach and increase their competitiveness. However, to achieve sustainable growth, a strong and sustainable e-commerce ecosystem needs to be built. In this article, the author identifies the opportunities that exist in building an e-commerce ecosystem that supports MSMEs. One of the main opportunities is access to a wider global market, which can open the door for MSMEs to sell their products to customers around the world. In addition, e-commerce platforms also provide opportunities for MSMEs to utilize new technologies such as artificial intelligence and data analytics to improve operational efficiency and decision making.    

This research aims to analyze the influence of brand image and outlet location on consumer buying interest at Warung Makan Ayam Geprek Preksu, Warungboto Branch, Yogyakarta. Brand image is an important factor that can influence consumer perceptions of the quality of the products and services offered, while outlet location plays a significant role in determining accessibility and convenience for consumers. The research method used was a survey with a questionnaire distributed to 150 respondents who were customers of the Ayam Geprek Preksu Food Stall. Data analysis was carried out using multiple linear regression to determine the relationship and influence between the variables studied. The research results show that brand image and outlet location significantly influence consumer buying interest, with brand image having a more dominant influence. These findings provide practical implications for the management of Warung Makan Ayam Geprek Preksu to continue to improve its brand image through effective marketing strategies and considering location factors in future business expansion.

This research examines Baitut Tamwil Muhammadiyah (BTM) Taqwa in improving sharia microeconomics in Singkut sub-district, Sarolangun district, Jambi province. The aim of the research is to find out the strategic role of BTM Taqwa in improving sharia microeconomics. Apart from that, to find out the supporting and inhibiting factors experienced by BTM taqwa. This type of research is qualitative using a managerial and sharia economic approach; the research paradigm is direct involvement and intense interaction with informants; data sources are empirical data obtained in the field through the Founding Board, Management, Members and customers of BTM Taqwa as well as the regional government of Singkut sub-district, Sarolangun district, Jambi province (primary sources) and documents and books related to research (secondary data); The instruments for this research are observation, interviews and documentation and the data collection tools are observation guides, interview guides and documentary study guides; data collection stages include preparation, implementation and preparation; and the validity testing techniques used are credibility and compatibility. The results of this research show that BTM Taqwa plays a role in improving sharia microeconomics in Singkut sub-district, Sarolangun Regency, Jambi Province. The role played by BTM Taqwa is the role of empowering human resources and an entrepreneurial spirit, the role of improving microeconomic welfare, and the role of distancing people from the practice of usury. The results of this research also show that the supporting factors for BTM Taqwa's success in micro economics internally are strategic location, commitment of the board of trustees, management and members, and high participation in member savings, while externally there is high demand from micro business actors for BTM Taqwa, ease of obtaining business capital assistance received by micro business actors, and government support. The inhibiting factors experienced by BTM taqwa internally are BTM taqwa's lack of human resources, lack of financial capital and technology, while externally there are many customers who are lazy about making savings capital payments.

Sharia insurance as a financial institution is required to prepare financial reports in accordance with PSAK 108. The use of accounting by a company is very important in the current situation, especially sharia insurance which seeks to increase client trust. However, rapid expansion without other supporting factors, including employees who are experts in sharia, has resulted in a lack of sharia-related knowledge among customers. This research uses the literature study method to conduct qualitative descriptive research. The aim is to better understand how Indonesian sharia insurance implements a sharia accounting system to ensure sharia insurance business activities comply with sharia principles and fulfill the public's desire for compliant financial solutions. The findings show that the implementation of this sharia accounting system ensures that sharia insurance business activities comply with sharia principles and fulfill the public's desire for financially sound financial solutions

This research explores the management of management information systems at Jomelo Cosmetic Shop on Bukit Kaminting Induk Street, Palangka Raya City using qualitative methods and a holistic approach. Data were collected through observation, interviews, and documentation. The study discovered that the deployment of a management information system has a significant impact on the efficacy of the organization's data source system, with 100% of respondents stating that SIM helps improve operational efficiency and decision-making. In the study, one hundred percent of respondents stated that SIM improves operational efficiency and decision-making processes, which shows how important the implementation of a management information system  is to improve the performance of enterprise data source systems. The study recommends several measures to improve the effectiveness and efficiency of  management information system, such as increasing staff training on the use of SIM (80% of respondents agreed), monitoring and evaluating SIM performance regularly (75% of respondents agreed) and optimizing the use of information technology to support SIM (65% of respondents agreed). This study also recommends several steps to improve product information for customers, such as providing more complete product information on the store website (90% of respondents agreed), utilizing social media to promote products (85% of respondents agreed), and training store staff to provide proper product information (70% of respondents agreed The findings of this study indicate that Jomelo Cosmetic Shop can improve its competitiveness and quality of service to customers by implementing best practices in information systems management. This is expected to improve operational efficiency and better delivery of product information to customers.

Digital transformation has become an important issue in the financial industry, including Islamic banking in the current digital era. The development of digital technology has affected the way Islamic banks provide services to customers, allowing them to reach more customers in various locations without being limited by physical offices. Digital banking services developed using digital technology provide convenience, speed, and security in transactions to customers. This study aims to examine the influence of digital technology in the development of Islamic banking services. The money research method used is a literature study by analyzing various literature sources. The results show that digital transformation in Islamic banking has a significant impact, including increased efficiency, productivity, service quality, and customer satisfaction.

The implementation of the General Administration System in the Administration Division of PT Anugerah Santosa Abadi (ASA) in Surabaya has a significant impact on the smooth operation of the company. This research highlights tax invoice and invoice management as a key element in daily administrative activities. Through a descriptive qualitative approach, this research aims to analyze the administrative practices implemented and their impact on company efficiency. The main objective of this research is to analyze the implementation of the general administration system, with a focus on the management of tax invoices and invoices, as well as identifying the impact on the smooth operations of PT ASA. This research uses a descriptive qualitative approach by carrying out an internship practice for one month at PT ASA. Data was collected through observation, interviews with administrative personnel, and analysis of documents related to tax invoices, invoices, and company tax policies. The research results show that PT ASA consistently applies two types of invoices, namely tax invoices and invoices, with clear roles and functions. Tax invoice color management contributes to the effectiveness of archiving and transaction tracking. Implementation of payment terms with the "Accurate" application also allows adaptation to the needs of customers from different sectors. Overall, good integration of administrative systems ensures company compliance with tax regulations and provides optimal service to customers. This research concludes that the implementation of the general administration system at PT ASA, especially in the management of tax invoices and invoices, makes a positive contribution to smooth operations and company compliance with tax regulations. The practical implication of this research is the importance of understanding and managing administrative aspects holistically to improve the efficiency and quality of company services.