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Investment is an activity of placing funds owned by a person in a certain period with the hope that it will generate profits or increase the value of the investment in the future. This study aims to determine the effect of four variables that are thought to encourage the intention to invest using mobile banking, namely brand trust, facilitating conditions, and behavioral intention. This research is descriptive quantitative research. The research sample was 151 students of the Faculty of Economics and Business, Yogyakarta State University using purposive random sampling method. The research instrument was tested for content validity according to experts, construct using Exploratory Factor Analysis (EFA) and reliability coefficient using Cronbach Alpha. Processing of research data using SEM PLS. The results of this study are brand trust does not significantly affect behavioral intention and use intention of mobile banking investment features. Facilitating conditions have a significant positive effect on behavioral intention and use intention of mobile banking investment features. And behavioral intention has a significant positive effect on the use intention of mobile banking investment features. The managerial implication of this research is that banking marketers with a mobile banking base should create a marketing communication strategy regarding easy access to investment features and investment literacy using mobile banking. So that customers or bank customers will have a high interest in using investment features with mobile banking. 

In a competitive business environment, understanding customer behaviour and improving retention strategies are critical to a company's success. Many companies struggle to identify valuable customers, understand their needs, and develop effective marketing strategies. One method that has proven effective is Recency, Frequency, and Monetary (RFM) analysis, which measures customer value based on three dimensions: when the customer last made a purchase, how often they transact, and how much money they spend. This research focuses on applying the RFM method with Python for customer segmentation in a retail company. By analysing customer transaction data, this research shows how RFM analysis can provide deep insights into customer behaviour and assist in the development of more targeted marketing strategies. The ultimate goal is to improve customer retention and maximise the return on investment (ROI) of marketing activities. This research offers practical solutions to common challenges in customer relationship management and contributes to the development of more efficient data-driven marketing methods.

This research discusses the role of digital marketing and customer relationship management at PT. Indofood Sukses Makmur Tbk, a company mostly engaged in food and beverages that grows and originates from Indonesia. This research uses qualitative methods. The data collection method used in this study is a descriptive method which is a data collection technique via the internet. The results of the study concluded that digital marketing has a significant influence on customer relationship management strategies at PT. Indofood Sukses Makmur Tbk. Digital marketing plays a crucial role in expanding the company's market area and target customers, as can be seen from the use of various digital platforms to promote products, such as Instagram, Twitter, Tiktok, and Facebook. Therefore, digital marketing and CRM have an important role in developing strategies that can maintain the competitive advantage of PT. Indofood Sukses Makmur Tbk.

The rapid development of e-commerce in Indonesia has prompted attention to factors that can maintain business sustainability, especially in terms of customer loyalty. The literature study identified several determining factors, including service quality, customer satisfaction, and brand trust. This research was conducted with the aim of examining the impact of service quality, customer satisfaction, and customer trust on customer loyalty in the Shopee mobile application in Jabodetabek. Using a purposive sampling method, the survey was carried out by distributing questionnaires directly to 120 customers. The results of regression analysis using SPSS refer to a statistical research process where data about the relationship between one or more independent variables (predictors) and one dependent variable (result) is analyzed. SPSS is used as a tool to analyze data and produce regression results. Thus, this research provides important implications that e- commerce mobile applications need to ensure service quality, satisfaction and customer trust to maintain and increase customer loyalty, as well as compete effectively in the online market.    

Jabarlink as an ISP (Internet Service Provider) company is known to be active in marketing JIMS (Jabarlink Internet Managed Service) products in the Pangandaran area, but still requires an ideal strategy to be able to market JIMS products which currently have positive potential for hotels that want to increase their competitive advantage and guest preferences. This research aims to design a marketing strategy for JIMS services in Pangandaran hotels to increase competitive advantage and guest preferences. A qualitative method with a descriptive approach has been used where data collection was carried out through interviews with 15 informants / hotel managers, and involving 100 hotel customers in the interview process using an online user questionnaire. This research found that ISP companies such as Jabarlink need to carry out three activities in their marketing process, namely: Product innovation to avoid the threat of substitute products, effective and creative communication, and market segmentation and offering the right price

Financial ratio analysis is the basis for assessing the performance of the cooperative in managing its financial resources in a given period. Analysis of financial performance KSPPS Al-Hikmah done with regards to the decline in the financial performance of the last few years, whereas KSPPS Al-Hikmah had won the award as the best cooperative of its performance as the city of Bogor.  The method used is quantitative method with a descriptive format. The results of these calculation of ratio are then compared with the standard of regulation of Cooperatives and SMEs RI No.06/Per/M.KUKM/V/2006 on Guidelines for Assessment of Cooperative Achievement. The purpose of this study is to determine the financial performance of the KSPPS Al-Hikmah years 2012-2015 in terms of the level of profitability, liquidity and solvency. The results showed that the financial performance KSPPS Al-Hikmah years 2012-2015 seen from the aspect of profitability, liquidity and solvency are generally still below the standard regulation of Cooperatives and SMEs RI No.06/Per/M.KUKM/V/2006. Although in terms of profitability is generally performed quite well, which is between the standard value. KSPPS Al-Hikmah should make corrections to assets in order to make greater contributions in generating SHU, and is expected to increase the capital by attracting more customers cooperatives.    

The main problem in this research is what factors influence customer decisions in choosing BRI Bank Britama Savings Products in Fatukoa Village. The aim of this research is to see and explain what influences the decisions of Fatukoa Village customers in saving with Britama Savings Products. This type of research uses descriptive qualitative research. The data sources in this research are primary data and secondary data. Where data collection uses interview, observation, and documentation techniques. determining informants using Purposive Sampling, totaling 6 people. The time and place of the research was carried out in the 2023-2024 academic year, on a number of customers who live in Fatukoa Village, Kupang City. The results of this research explain that the factors that influence customers' decisions in choosing Britama Bank BRI savings products are influenced by cultural factors because cultural influences play a key role in customer decisions. The socialization process from the experience of being a customer for eight years, the use of banking products since the beginning of college, and the management of business transactions are the main factors in choosing Britama Savings. Social Factors due to the existence of reference groups, both from friends and family, have a big impact. Suggestions from friends about the benefits of interest rates and easy access to BRI Bank's online services, as well as recommendations from wives who are BRI Bank customers, are taken into consideration in the decision to save on Britama Products. Personal Factors due to Age, life cycle stage, work and economic environment are factors personal influences on product choices. The decision to save in BRI Bank Britama Products is based on long-term goals, investment, financial discipline, and economic considerations as well as income that can be invested, and Psychological Factors because the motivation for opening a Britama Savings account is related to biogenic and psychogenic needs, such as increasing pension funds, long-term investment, increasing financial discipline, and building savings habits. Trust and positive attitudes towards Britama products, supported by the reputation and security of BRI Bank, also play a key role in decision making. Apart from that, information from reference groups, socialization experiences, economic considerations, and trust in banking institutions are key factors that shape customer decision behavior.

Photography is one of the new avenues of service and business, some have made a hobby of photography a lucrative profession. They should be prepared to compete with other companies of the same kind by creating a good image of the consumer, providing quality of service and increasing innovation and creativity in order to create different photo concepts and attract consumers. The strategy became the main idea of Hero Photography to develop a business in photographic services. Hero Photography tried to adapt and compensate by coming up with a strategy that would attract consumers.These research methods use descriptive qualitative, with the aim of providing an idea and an explanation as to how startegi services Hero Photography in the interest of consumers. The study uses primary data sources as data obtained from informers and secondary data from archive or documents, journals, and various archival files of Hero Photography. Data collection techniques through observation, interview and documentary. At verifying data data using triangulation of methods and source triangulation using data analysis techniques of reposing data, presenting data, and summarizing data.Research has shown that the concept of sustainable excellence is influenced by the quality of the product, in this case, a superior photograph of adequate human resources capable with an obvious market target. The performance of the sale of Hero Photography was influenced by a marketing strategy with a concept of 4P (Price, Place. Product, Product), among other things is photographic quality, aesthetic quality good photo quality in terms of aesthetically pleasing clients who are less likely to use hero photography services. Strategic places like the old city become the attraction of visitors to capture the moment. Promotion became a strategy by using social media asa tool for promotion and offering online photo services by viewing affordable prices as one of the preferred customers to use the Hero Photography photo service.      

This research aims to investigate the relationship between Social Media Marketing Activities, Brand Experience, Brand Reputation, and Brand Equity towards Purchase Intention on the brand. A survey method was employed to collect data from respondents who are customers of the brand in the JABODETABEK area. The sample consisted of 180 respondents, and Multiple Linear Regression Analysis using SPSS was utilized to test the proposed hypotheses. The data collection technique employed purposive sampling. The results of the study indicate a significant positive correlation between Social Media Marketing Activities, Brand Experience, Brand Reputation, Brand Equity, and customers' Purchase Intention. This underscores the importance for Uniqlo to address these issues through improved marketing strategies, consistency in customer experience, reputation enhancement, and efforts to build strong brand equity. Uniqlo can enhance brand awareness, strengthen interaction with potential customers, build trust, increase customer preference, and ultimately boost consumers' intention to purchase its products. The managerial implications of this research highlight the importance of enhancing Social Media Marketing Activities, strengthening Brand Experience, building a good Brand Reputation, and continuously innovating to enhance Brand Equity. These findings provide valuable insights for marketing managers in designing effective strategies to increase sales and strengthen the brand's position in the market.    

The very rapid development of information and communication technology has brought major changes in various aspects of life, one of which is transportation. In today's digital era, things are made easier for people by the existence of various online transportation services, one of which is Grab. Grab is one of the largest online transportation services in Indonesia, and Grab is very widespread, one of which is in the city of Semarang. Grab offers various transportation services, such as cars, motorbikes, taxis and goods delivery. This research uses quantitative research methods, and the sampling technique uses Non-Probability Sampling. The population in this research is Grab application customers in the city of Semarang. The number of samples taken was 100 respondents. This research uses quantitative analysis techniques. The presentation in this technique is the influence of service quality, level of customer satisfaction and promotion on customer loyalty of the Grab application among people in the city of Semarang. The data obtained in this research was then processed using SmartPLS 3

The purpose of this research is to analyze the responsibility of PT. Pegadaian Syariah towards the loss of collateral for Arrum BPKB Products at PT. Pegadaian Syariah Oebobo District Kupang City. The type of research used by the author is Empirical Legal research, the type of data used in this research is qualitative data. The data used in the research based on the relevance of the source data, namely primary, secondary and tertiary data. The result of this research is that the responsibility of PT Pegadaian Syariah towards the loss of collateral for Arrum BPKB products at PT Pegadaian Syariah Oebobo District Kupang City, that the implementation of responsibility has been going well but is still not optimal regarding the implementation and responsibility services provided by PT Pegadaian Syariah Oebobo District Kupang City due to several factors. Factors that cause PT Pegadaian Syariah Oebobo Subdistrict Kupang City is not responsible for the loss of collateral for Arrum BPKB products at PT Pegadaian Syariah Oebobo Subdistrict Kupang City, namely if the loss of collateral for Arrum BPKB is caused by mistakes made by customers then PT Pegadaian Syariah Oebobo Subdistrict Kupang City is not responsible but if the loss of collateral for Arrum BPKB is caused by mistakes made by PT Pegadaian Syariah Oebobo Subdistrict Kupang City then PT Pegadaian Syariah Oebobo Subdistrict Kupang City is responsible for mistakes that occur.

This research discusses the use of life insurance in mudharabah financing at BPRS Gebu Prima Medan. The introduction explains the background to the importance of using life insurance in the context of sharia financing, especially in minimizing credit risk and providing financial protection for customers. The literature review outlines theories related to sharia financing and the role of life insurance in risk management. The research method used is a qualitative approach with data collection techniques in the form of interviews and direct observation. The research results show that the majority of BPRS Gebu Prima Medan customers who take advantage of mudharabah financing also take out life insurance protection. The profile of customers who tend to use life insurance are those who have a significant risk of death, such as micro and small entrepreneurs with large family responsibilities. However, there is still a small number of customers who have not utilized life insurance products, so further research is needed to understand the factors that influence customer decisions and strategies that can be implemented to increase the adoption of life insurance products among customers.

Raja Photo Studio is a place that provides services in the field of photography, with the aim of maximizing and empowering all the potential and abilities of its founder, who was born from a background in the world of photography. The photo services in question are for people who need photos for their own purposes. such as graduation photos, pre-wedding photos, family photos and so on. Customers can book coverage for weddings and aqikah events and so on. The information available at Raja Photo Studio includes product information in the form of prices and photo sizes, sales information. Based on research regarding the Web-Based Service Information System at Studio Raja Using the Waterfall Method

Industrial development management must be implemented optimally by business actors, it is an absolute requirement for companies to be able to develop rapidly. The strategies implemented are certainly needed by business actors, starting from utilizing market digitalization, building distribution channels, to providing services that make it easier and satisfy consumers. This research was carried out at a home industry (UMKM) for Bintang Mas Mushroom Chips in Kauman Srengat, Blitar Regency. This research is to find internal and external factors and determine alternative strategies for developing MSMEs in the Bintang Mas mushroom chips industry. The method in this research is a descriptive analysis method. With interviews, documentation and observations at the research location. As a result of the research, several internal factors were found that encouraged the development of the Kauman gold star mushroom chips industry, Srengat District, Blitar Regency. The company has employees who are competent in their fields, utilize digital marketing, fast distribution, and a friendly and good customer service model. Furthermore, external factors include increasing company income, increasing the efficiency and effectiveness of business operations, and adopting various strategies implemented by competitors. Alternative strategies used by the company, namely increasing production capacity and quantity in a continuous improvement framework to meet market demand, expanding cooperative relations between companies and farmers, companies and customers, signifying various promotions, discount strategies for chips mushrooms on certain days, product packaging quality innovation that is more creative and attractive

This study investigates the factors that influence the formation of PT's corporate image. Pal Indonesia (Persero) and how this perception is related to employee work motivation. Through a literature analysis approach, this research analyzes the perceptions of various stakeholder groups, including prospective employees, customers, suppliers and the general public. The results of the analysis show that company reputation, product and service quality, relationships with stakeholders, organizational values, and commitment to social responsibility are the main factors that influence the company's image. Positive perceptions of the company's image can increase trust, reputation and support from various parties, which in turn can motivate employees to provide their best contribution. Conversely, negative or ambiguous perceptions can reduce employee interest and motivation. Therefore, company management must actively monitor and manage these factors, and strive to build good relationships with various stakeholders to create a motivating work environment that contributes to the company's long-term success.

This research aims to determine the influence of performance expectancy, effort expectancy, social influence, facilitating conditions on the use of Bank BSI KCP Kampung Tax Labuhan Batu Utara customers in using digital banking services. (BSI mobile deposits). This type of research is quantitative. The data used in this research is primary data obtained through questionnaires with variable instruments using a Likert scale which were distributed to respondents totaling approximately 100 people. The data analysis technique used is a data analysis test consisting of validity test, reliability test, classical assumption test consisting of normality test, multicollinearity test and heteroscedasticity test, and also using multiple linear analysis, which consists of F test, T test, and test the coefficient of determination (R²) using the SPSS version 22 data processing application. The results of this study show that performance expectancy has no effect, effort expectancy has a significant positive effect, social influence has a significant positive effect, and condition Facilitating conditions do not have a positive effect on Bank BSI KCP Kampung Tax Labuhan Batu Utara customers in using digital banking services (BSI Mobile Deposits).    

The increasing public demand for daily service needs has led to intense competition in today's business world. For service companies, an optimal service system is their main weapon in competing effectively. Service effectiveness is crucial in gaining positive customer ratings. However, the high demand for the service sector results in the number of customers continuing to increase while the number of service providers remains limited. This research aims to optimize the service system by utilizing the multi-channel multi-phase queuing model. This model allows for multiple service facilities to be available to serve incoming customers. In this study, the queuing model formula (M/M/1) & (M/M/2) was used to analyze the single channel- single phase and multi-channel- multi phase queuing systems. The results show that the patient arrival rate is smaller than the patient service rate, which indicates a good level of effectiveness in the single channel-single phase queuing system. However, by adding one server to be able to implement the multi channel - multi phase queuing model, the effectiveness of the queuing system can be improved. This research provides a better understanding of the importance of service effectiveness in the face of increasing demand. By using the right queuing model and adding servers, service companies can improve service efficiency.

Differences in Results Regarding Legal Protection for Consumers When Carrying Out Online Buying and Selling Transactions. Identify legal protection for customers during e-commerce transactions based on UUPK. 2. Identify legal protection for customers during UUITE e-commerce transactions. This research was conducted to determine the legal aspects of legal protection for consumers when carrying out online buying and selling transactions. Normative juridical research methodology, also known as library research. Both UUPK and UUITE have not been fully implemented to regulate electronic buying and selling transactions. Many consumers still do not receive their rights when they become victims of errors in online buying and selling transactions. The main factors that make it difficult for consumers to obtain legal protection from relevant authorities are also influenced by a lack of socialization and consumer understanding. With current technological advances, it is hoped that businesses, consumers and related bodies will be more aware of better legal protection for all parties.

This research aims to analyze and find out the Poultry Shop Business Development Strategy at the Garuda Poultry Shop, Payakumbuh City. This research uses a qualitative descriptive approach, namely data analysis that is explanatory and data information that is linked to theories and concepts using primary data sources and secondary data. The data collection techniques used in this research were interviews, observation, library research and documentation. The data analysis techniques used are data reduction, data display, and SWOT analysis. The results of this research show that the Garuda PS store is located in quadrant I. Quadrant I is a favorable situation because of opportunities and strengths. The results of the SWOT matrix analysis show that the right strategy for the Garuda PS Store is the SO strategy. The SO strategy is, Maintaining good service, maintaining tested product quality and complementing the products sold. Strategy implementation and obstacles to strategy implementation, namely 1) Checking the product is carried out. The obstacle in implementing this implementation is that product checking is only done manually. 2) Providing the best service to customers, the obstacle in starting this is service costs which always increase. 3) Complementing the products sold with other products. The obstacle in implementing this strategy is the large number of items that are stockpiled. This research contributes to finding out the right development strategy for the development of the Garuda PS Store.

Most MSMEs, including B&B Snack MSMEs, have not adopted technology as an effective sales tool. B&B Snack MSMEs face problems, namely a less strategic location and a lack of understanding of MSME owners regarding information technology. Therefore, in the YPPI Rembang University (UYR) Business Work Lecture Community Service activities, they provide a solution to overcome this problem, namely registering the location of MSME B&B Snacks on Google Maps and using direction signs, which can help customers find the location easily. The main goal is to increase the competitiveness of B&B Snack MSME owners in their main market in Rembang City and increase their business turnover. This activity began with a survey of MSME locations and discussions with B&B Snack MSME owners to identify problems. Furthermore, assisting MSMEs in registering locations on Google Maps and creating direction signs. The results of the activities of the MSME B&B Snack location are registered on Google Maps and have directional signs.