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Bookkeeping administration is an important aspect in waste bank activities because it has the benefit of recording and carrying out complete and detailed reporting within a certain time period, so that there are no differences in calculations between customers and the Waste Bank management. The importance of bookkeeping administration in managing the Waste Bank (recording the entry and exit of each type of waste managed by the Waste Bank), can help optimize waste management and increase the effectiveness of waste management. Simple bookkeeping (in the form of Socialization) was introduced in the transaction cycle at the Bank Sampah "Sami Berkah", Kelurahan Meteseh, Kecamatan Tembalang, Semarang (making a Chart of Account, Journal from proof of transactions, posting to the ledger and subsidiary books, up to making Financial Reports). The administrative management of the Bank Sampah Sami Berkah has met the minimum requirements of the Dinas Lingkungan Hidup, starting from books, officers, waste reception schedules, until the waste deposited has been sorted by customers/members. Likewise, the duties and responsibilities of waste bank management officers are in accordance with the job and description of the organizational structure. The proposed use of the information system at the "Sami Berkah" Waste Bank is the use of an Android-based application or web system (mobile web access) in order to accommodate the need for faster and easier information access for customers/Members and Waste Bank managers, as well as being able to overcome the Bank's operational problems. Waste starts from customer registration, savings transaction processes to reporting, efficiently and with integrity. and easy to manage by admins and monitored by users directly.

This study aims to determine and analyze how the legal protection of consumers due to default in the housing loan agreement in the perspective of Consumer Protection Law No.8 of 1999. The type of research used in this study is normative juridical approach to legislation (statute aprouch) and case approach (case aprouch). The results of this study indicate that the case of default in the housing loan agreement, which occurred in the city of Gorontalo. Create legal protection against consumers (customers) who are harmed by Bank BTN who do not carry out their obligations in accordance with existing rules or regulations, where the bank does not issue housing certificates even though the consumer (customer) has paid the installments

This research aims to determine the influence of Social Media Advertising and Service Quality on Loyalty through Customer Satisfaction as an Intervening variable (Case Study of Devi Salon Medan). This research uses a quantitative approach with data collection using the Likert scale method. The subjects used in this research were 100 Devi Salon Medan customers and were taken using purposive sampling. The data analysis technique uses SPSS version 23. The results of this research show that overall each partial test states that it has a significant and positive effect between the variables. Where the statistical results state that the α value is <0.05. The Path analysis test also shows that there is a direct influence and an indirect influence on each variable which is connected through variable Z. And it also simultaneously shows that there is an influence of Social Media Advertising and Service Quality which together have an influence on Loyalty through the Customer Satisfaction variable.

The implementation of the Murabahah agreement at Bank Syariah Indonesia (BSI) KCP Medan Sukaramai is the focus of this research. The aim of the research is to analyze the process of implementing the Murabahah contract, identify the obstacles faced, and initiate efforts to overcome these obstacles. The research method used is a qualitative descriptive method with data collection techniques through in-depth interviews. Respondents consisted of bank managers, bank employees and customers involved in transactions using Murabahah contracts. Data analysis was carried out taking into account relevant sharia principles. The research results show that the implementation of the Murabahah contract at BSI KCP Medan Sukaramai has been carried out carefully and structured in accordance with sharia principles. However, the obstacles faced include a lack of customer understanding of sharia principles as well as differences in understanding between customers and bank officers. Efforts made by banks to overcome these obstacles include increasing education for customers and regular training for bank officers. This research contributes to the understanding of Murabahah contract practices in the sharia banking sector, as well as offering recommendations for banks to increase the effectiveness and efficiency of implementing Murabahah contracts. In addition, it is hoped that this research can provide customers with a better understanding of sharia principles in financial transactions.

Financing can be interpreted as funding provided by one party to another party. Its function is to support investments that will or have been planned by the institution. Financing can also be interpreted as trust or trust. It means that the financing institution as sahib al-mal puts trust in someone to carry out the mandate given. All such costs must be used properly, fairly, and must be accompanied by clear terms and are responsible for all parties. Every Islamic financial institution has a philosophy of seeking the pleasure of Allah SWT. to acquire the virtues of the world and the hereafter. Therefore, any activities of financial institutions that are considered deviant from religious demands should be avoided. In the implementation of financing, Islamic banks must meet two most important aspects. First, the Shar'i aspect where in every realization of financing to customers must remain guided by Islamic Shari'a. Second, the economic aspect which still considers the profit generation for Islamic banks and for customers.

Mudharabah financing is used by MSME customers and non-MSME customers in Sharia banking practices because there is minimal risk for both the Sharia bank and the customer. However, the PPKM pandemic is sweeping the world so many people are affected, one of which is MSME customers, which has an impact on the performance and ability to pay MSME customers' obligations to banks. The aim of the research is to analyze the implementation of financing restructuring during the PPKM period and to analyze the supporting and inhibiting factors in implementing financing restructuring during the PPKM period at Bank Syariah Indonesia KC Gatot Subroto, Jambi City. Restructuring has been implemented since the inception of Bank Syariah Indonesia (BSI). The supporting factors in the implementation of restructuring at Bank Syariah Indonesia (BSI) are internal factors originating from the bank and external factors originating from the customer, while inhibiting factors in its implementation are the lack of openness or dishonesty of customers towards the bank when asked for information, lack of communication when want to be asked for information or lack of transparency, and lack of personnel or staff who understand well the implementation of restructuring. Bank Syariah Indonesia (BSI) is expected to be more careful and more selective in analyzing the provision of financing so that it will minimize the occurrence of problematic financing in the future and the analysis that must be carried out by Bank Syariah Indonesia (BSI) in carrying out restructuring is expected to be guided by the bank's regulations and rules. established sharia rules.

This research is entitled “Effectiveness of Subsidized Sharia Mortgage Financing for Low- Income Communities at BTN Syariah Langsa City. This study uses a qualitative descriptive method, with the formulation of the problem, 1) How is the implementation of Islamic mortgage financing for low-income customers at Bank BTN Langsa City?, 2) How is the effectiveness of Islamic mortgage financing for low-income people at Bank BTN Langsa City?, from the results of the research of the bank and the dispatcher have followed the regulations from the government from the housing mortgage program, but with regulations from the government, the depeloper is an obstacle they cannot freely choose customers, with regulations made by the government even though people who are gardeners are farmers and fishermen even though they are able to take mortgage housing, there are also people who feel helped by the KPR program from thegovernment.

Marketing strategy is influential in providing satisfaction for service customers, including educational services. With a marketing strategy, it can encourage customer satisfaction for educational services. This research approach uses quantitative methods. The sampling technique in this study used Simple Random Sampling, which was as many as 34 students. The data collection technique is using a questionnaire. The data analysis technique used is simple linear regression. the following results of calculations using Microsoft excel equipped with SPSS 22 show the results of the study that there is an influence between marketing strategy (X) on customer satisfaction of education services (Y) at Raudhatul Athfal Darunnajah 2 Cipining, it is proven that the coefficient of determination of the summary model table value R square = 0.319, to determine the magnitude of the effect of variable x on variable y by 32%. So the results of the coefficient of determination show that 32% of marketing strategies contribute to customer satisfaction in education services, while the rest is 100% - 32% = 68% others are influenced by other factors.

Pharmaceutical Services at the Hospital is an integral part of the Hospital's health care system that is patient-oriented, providing Pharmaceutical Preparations Medical Devices, and Medical Materials that are quality and affordable for all levels of society including clinical pharmacy services (Anonymous, 2016) Besed on the Decree of the Minister of Health of the Republic of Indonesia No 179 Menkes/SK/11/2008, the SPM indicator of hospital pharmacy services includes the waiting time for drug services to be a maximum of 30 minutes while the maximum concoction drug is 60 minutes, the absence of medication errors, stalaction customers at least 80% and prescription writing all must refer to the Hospital formulary This study aims to find out the Waiting Time (Respond Time) of Prescription Services for Finished Medicines and drugs mixed with BPJS patients Outpatient in Bangil Hospital. This research is a non-experimental research with descriptive approach, namely the type of research approach to obtain an overview of the state of a group of data based on observations the real thing is, data collection is done in the Outpatient Pharmacy Service at Hangil Hospital, and is carried out for three months. The total mumber of prescription samples erered in the pharmacy installation for three months a 12.587 prescriptions with details of 10,770 prescriptions of JKN BPJS 85.27% 1,808 peral recipes 14 66% and 9 other insurance recipes 0.07% Among the recipe for JKN BPIS obtained during the study were 90.23% of non-concoction recipes and 9.77% of recipe recipes. The results of the study were obtaining results, the number of prescriptions from patients was 85.27% more than prescriptions from general patients 14 66% and other insurance 0.07%. The average waiting time for non-concoction recipe services in 25 minutes, and concoctions are 62 minutes

Bank Wakaf Mikro (BWM) Sumber Barokah Denanyar Jombang is one of ten Islamic MFIs in the early stages of the 'Community Empowerment through the Establishment of Islamic MFIs around Pesantren‛ Program facilitated by the Financial Services Authority (OJK) and the Small Business Incubation Center (Pinbuk) by providing loan funds for more productive community business groups. The purpose of this assistance is to provide guidance and direction on the knowledge and implementation of the efforts to be made by the Denanyar Jombang Sharia Micro Waqf Bank in minimizing the risk of capital loans given to MSMEs as business capital. There are three (3) stages in this assistance: Preparation, Implementation and evaluation. The results of the assistance show: (1) An increase in efforts to minimize the risk of capital loans, (2) A decrease in the number of defaults on the risk of returning loan capital (3) An increase in family values and religiosity for customers who make loans.

Until now, there are still many who are afraid to start a business, including online business, so a real manifestation of a successful businessman has high self-efficacy/ability in starting a business. Apart from having the ability, a businessman must also be able to understand marketing planning and strategy. well in developing a business so that the business succeeds as expected, therefore the purpose of this research is to find out: 1) How is the self-efficacy of entrepreneurs in online business for FEBI students, 2) What is the strategy for developing entrepreneurship in online business for FEBI students, 3) What are the obstacles faced in developing entrepreneurs in the online business of FEBI students. This type of research is qualitative with a descriptive approach, and the methods used in data collection are observation, interviews and documentation. The subjects in this study were students who had been running their online business for more than 3 years. The number of subjects in this study were 10 people. The results of this study note that FEBI students have high self-efficacy in online business or entrepreneurship, students are confident in their abilities and have expectations for their abilities in doing business online, in building confidence students obtain from several sources, namely personal experience, other people's experiences, verbal persuasion and emotional state. In the student business development strategy it is still not running well and efficiently, and there are obstacles to student businesses such as suppliers, competitors, capital and customers.

The purpose of this study was to determine the effect of service quality and promotion on customer loyalty with customer satisfaction as a moderating variable at PT Global Trans Nusa. The method used in this research is quantitative descriptive method which is carried out through data collection using questionnaires and statistical testing data analysis. The sample taken in this study were all customers who had used the services of PT Global Trans Nusa, totaling 85 people. The data analysis used is MRA analysis using the IBM SPSS Statistics version 26 application. The results showed that Service Quality has an effect on Customer Loyalty at PT Global Trans Nusa. Promotion has an effect on Customer Loyalty at PT Global Trans Nusa. Service Quality and Promotion affect Customer Loyalty at PT Global Trans Nusa. Customer Satisfaction cannot moderate the effect of Service Quality on Customer Loyalty at PT. Global Trans Nusa. Customer Satisfaction cannot moderate the effect of Promotion on Customer Loyalty at PT. Global Trans Nusa. Customer Satisfaction cannot moderate the effect of Service Quality and Promotion on Customer Loyalty at PT. Global Trans Nusa.    

The purpose of this research was to determine the influence of service quality and promotion on customer loyalty with customer satisfaction as an intervening variable at PT. Jetindo Nagasakti Transekspress Medan. The method used in this research is a quantitative descriptive method which is carried out through data collection using questionnaires and statistical testing data analysis. The samples taken in this research were all customers who had used the services of PT. Jetindo Nagasakti Transekspress Medan, numbering 85 people. The data analysis used is path analysis using the IBM SPSS Statistics version 26 application. The research results show that Service Quality influences customer satisfaction at PT. Jetindo Nagasakti Transekspress Medan. Promotions influence customer satisfaction at PT. Jetindo Nagasakti Transekspress Medan. Service quality influences customer loyalty at PT. Jetindo Nagasakti Transekspress Medan. Promotions influence customer loyalty at PT. Jetindo Nagasakti Transekspress Medan. Customer satisfaction influences customer loyalty at PT. Jetindo Nagasakti Transekspress Medan. Service quality influences customer loyalty with customer satisfaction as an intervening variable at PT. Jetindo Nagasakti Transekspress Medan. Promotions influence customer loyalty with customer satisfaction as an intervening variable at PT. Jetindo Nagasakti Transekspress Medan.  

In today's era and the changing and needs regarding a good health system, health insurance has a very important role in supporting universal access to health services and protecting individuals and families from unexpected financial risks. Thus, this research aims as an educational material for the wider community, especially in Indonesia, which is actually in dire need of health insurance but still in doubt about its benefits and financial value. In this research, the author uses a qualitative research approach in the form of a library study (Library Research). The result of this research is that Simas Sehat Gold Insurance for customers has many benefits including: (1) Customers can already enjoy a cashless system. (2) Customers under the age of 50 do not need a medical examination. (3) Simas Sehat Gold Insurance can be paid in installments per month through a Visa or Mastercard credit card. (4) There is free personal accident insurance worth Rp 10 Million. (5) There are emergency medical evacuation guarantees around the world. And the advantages of Simas Sehat Gold insurance products include using a cashless system and products from PT. Sinar Mas Insurance has a wider range of hospital providers or partners so that customers are easier to find and receive by the hospital.

This research aims to analyze the planning, implementation, and recommendation of marketing strategies to increase the number of customers at Bank Muamalat KCP Stabat during the pandemic. The research method employed is qualitative descriptive. Data collection techniques include primary and secondary data through interviews, observation, and documentation. The research results indicate that the marketing strategy planning during the pandemic involves adding marketing channels and focusing on promotion through digitalization. The most effective strategy implemented is personal selling. Additionally, Bank Muamalat also engages in promotion through direct selling, distributing brochures, and social media. While the strategies are performing well, there are some challenges faced. Proposed solutions include adding marketing channels, offering multi-purpose Hajj financing programs, or opening Hajj savings accounts. Marketing strategy recommendations include the Bank capitalizing on existing opportunities, enhancing promotion through social media and direct outreach, and maintaining good relationships with collaborating parties.

This research discusses community empowerment through the Bersami Waste Bank (BSB) program. The aim of this research is to find out the process of community empowerment through the Bersami Waste Bank program in Pisangan Village, the supporting and inhibiting factors in carrying out empowerment and the Bersami Waste Bank's efforts to improve family welfare for its customers. This research is qualitative research in collecting data using observation, interviews and documentation methods. The data analysis techniques used are data reduction, data presentation and drawing conclusions. Triangulation is used to explain the validity of the data obtained. Based on the results of this research, it can be concluded that the community empowerment carried out by the Bersami Waste Bank is in accordance with the stages of community community empowerment. The research results revealed that community empowerment through the Bersami Waste Bank was carried out through four stages, namely the awareness stage, understanding stage, utilization stage and use stage. Bersami Waste Bank can empower its community so that customers gain benefits from waste management in the form of money from savings and skills after training in waste recycling to sell from recycled waste. This is an effort by the Bersami Waste Bank to improve family welfare for its customers.

Nowadays, marketing is a systematic point that is very important for the success of a business in a company and also a company because of the increasingly fierce competition. The local brand of quality mineral water and also has a brandimage that is already embedded in the minds of consumers is Aqua. Brand image plays an important role in shaping brand image in the eyes of consumers and can influence the extent to which customers trust, recognize, and choose brands among their competitors. Instagram plays an important role in shaping brand image for businesses and brands. By using this platform to share creative, inspiring, and relevant content, companies can form an image on the brand that is positive and attractive to a wide audience or audience. The existence of this research has the aim of knowing how strong the influence of Aqua's Instagram content on brand image. The theory used in this research is Instagram content which consists of follow, like, comment, caption. Then next is the Brand Image theory which consists of the strength of brand association, the superiority of brand association, and the uniqueness of brand association on variables. The approach in this study is a quantitative approach with a survey method conducted on 79 respondents of @sehataqua Instagram followers, with sampling techniques using simple random sampling method. The results in the study indicate a fairly high influence, which is spelled out by the amount of 61% of Aqua's Instagram content on Brand image. While the remaining 39% is influenced by variables not examined in this study.

PDAM tariffs and policies have a very important role in maintaining the availability of clean water and quality services for the community. Economically, the tariffs set by PDAM enable the provision of clean water in a sustainable manner with operational finance, infrastructure maintenance, and investment in developing the water distribution network. This research aims to reveal the impact of PDAM Tirtanadi's tariff adjustment policy on customer satisfaction. Adjusting air tariffs is an important step for PDAMs to finance infrastructure maintenance and operations, but this can also have an impact on customer satisfaction. The research method used is qualitative research with a descriptive approach. Qualitative research makes it possible to describe phenomena in depth, including the impact of PDAM Tirtanadi's tariff policy on customer satisfaction. In the descriptive method, the main focus is on a detailed and in-depth description of the observed phenomenon, without carrying out statistical analysis. The data used in this research comes from writings contained in books, scientific journals, previous research and through interviews with customers and related parties of PDAM Tirtanadi Medan Denai Branch during college internships. The results of this research indicate that the tariff adjustment policy creates hopes and concerns among customers, who hope that service quality will increase in line with tariff increases. In addition, this research also identifies factors that influence customer perceptions of tariff policies, including the quality of services provided, transparency in the use of funds, and responsiveness to customer complaints. The implications of this research are the importance of considering customer needs and expectations in designing adequate tariff policies, as well as the importance of transparency and accountability in providing public services such as the provision of drinking water.    

This One way for a company to survive in the midst of increasingly fierce competition is to provide satisfactory service to consumers. Consumers who feel their needs are being met will not move to another place. Therefore, the company must have employees who are ready to provide excellent service or what is commonly referred to as excellent service to consumers. In providing excellent service as an effort to achieve customer satisfaction and loyalty, the company that provides services can be guided by the service excellence variables, namely: Ability, Attitude, Appearance, Attention. ), Action (Action), Responsibility (Accounttability). The application of the principles of excellent service aims to improve service to customers or consumers so that they are more optimal and able to achieve company goals.

The purpose of this research is to determine the effect of referral marketing and corporate trust icons on radical customers through customer satisfaction at Mie Barracung. This study employs a descriptive research design with explanatory research methods. Sampling was conducted using purposive sampling as the sampling technique. The sample used in this study consists of 100 respondents who are customers of Mie Barracung Manukan Surabaya. This research utilizes a structural equation modeling (SEM) approach - SmartPLS 4.0.9.3, which includes the inner model process, outer model, and hypothesis testing (bootstrapping) to test the significance of the overall model and the predetermined paths. The findings indicate that referral marketing has a direct effect on customer satisfaction at Mie Barracung Manukan Surabaya..Trust icon corporate directly does not affect radical customers at Baraccung noodles Manukan Surabaya. Customer satisfaction directly affects radical customers at Baraccung noodles Manukan Surabaya. Referral marketing indirectly affects radical customers through customer satisfaction at Baraccung noodles Manukan Surabaya. Trust icon corporate indirectly does not affect radical customers through customer satisfaction at Baraccung noodles Manukan Surabaya.