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This mini-research aims to analyze the principles of implementing GCG which include transparency, accountability, responsibility, independence and justice, which are fundamental in managing business, especially in state-owned companies as regulated in the Regulation of the Minister of State for State-Owned Enterprises Number: PER – 01/MBU/2011 regarding the Implementation of Good Corporate Governance. The implementation of good corporate governance in the company has not been optimal due to a lack of socialization to communicate, educate and convey information about GCG to employees based on position holders. This research uses qualitative research methods with informants from related positions, company employees and service users. The results of the research show a lack of socialization from office holders so that new employees do not understand GCG, the principles of accountability, starting from the delivery of information and financial reports, have not been implemented quickly, and the principles of responsibility in service sessions have not been maximized, as shown by, among other things, limited internet access and provide comfort and satisfaction to customers.

The economy in Indonesia is starting to experience an increase in income. It can be seen today that many people choose to become entrepreneurs. PT Bank BTPN Syariah Tbk carries out the "Bestee" internship program with business assistance for underprivileged customers. In this program, BTPN Syariah attracts participants from the Certified Independent Study and Internship (MSIB) program. This research aims to see how influential the role of BTPN Syariah customer business assistance is on increasing customers' income and skills in entrepreneurship. The method used in this research is a descriptive method with a qualitative approach. The business assistance carried out by this facilitator has a good effect on BTPN Syariah customers who run MSMEs where they can improve soft skills and good hard skills regarding entrepreneurship that have never been known before, increase sales income significantly due to the material provided during mentoring and can effectively increase performance of MSMEs run by BTPN Syariah underprivileged customers.

Customer Relationship Management (CRM) is one of the business strategies that companies can employ to foster positive relationships between the company and its customers. This research aims to explore and analyze the CRM service strategies employed by Zipzap Corporation, examining the factors influencing the effectiveness of these strategies in enhancing brand loyalty for Zipzap Corporation. The research methodology utilized is qualitative, involving interviews with both Zipzap Corporation customers and customer service employees. The findings reveal that Zipzap Corporation implements CRM strategies encompassing post-sales and delivery service stages.  Customer perspectives indicate that factors such as communication ease, product quality, and trust are primary considerations when selecting a vendor. These factors are integral to the CRM service strategy, aiming to enhance brand loyalty for Zipzap Corporation. This study provides insights into CRM service strategies that companies can adopt to build strong customer relationships, ultimately contributing to the overall business objectives and sustainability.

This study explores key aspects of the Apolo Chicken Porridge business through vendor interviews. The results show that focusing on ingredient quality, recipe innovation and taste consistency are the most important foundations in creating unique and attractive products. Effective service, responsiveness to customer input and strategic selling points also increase customer satisfaction. In conclusion, it is necessary to maintain product quality, improve service, respond to customers quickly and pay attention to the cleanliness and metode of the service area. At the same time, implementing loyalty programs and store evaluations can be additional strategies to strengthen the company's position in the culinary market. 

This research aims to determine the influence of product quality and product variants on purchasing decisions at the Alamsyah Store. The sample used in this research was 100 Alamsyah Shop customers. The method in this research is a quantitative method. The research results show that partially or simultaneously product quality and product variants influence purchasing decisions at the Alamsyah Store. Based on the test results of Fcount 54.221 > Ftable 2.70, it can be concluded that product quality variables and product variants simultaneously influence product purchasing decisions at the Alamsyah Bireuen Store.

This research aims to determine the influence of brand image and price on customer satisfaction at the Budi Market Store. The sample used in this research was 100 customers of Toko Budi Market. The method in this research is a quantitative method. The research results show that partially or simultaneously product quality and product variants influence purchasing decisions at the Budi Market Store. Based on the test results, Fcount 84.222 > Ftable 2.70, it can be concluded that the brand image and price variables simultaneously influence customer satisfaction when purchasing products at the Budi Market Bireuen Store.

Rapid technological developments encourage the banking sector to continue to innovate so as not to be left behind. Tight competition in this industry is caused by customers' freedom to choose products and services that are considered more profitable. This phenomenon is known as Customer Churn, which is a condition where customers choose not to continue subscribing to a particular company. The method applied uses a machine learning approach and customer segmentation approach. The churn analysis results show that the machine learning model, especially the random forest model, has the highest level of accuracy with an F1-Score of 91%. This model has the potential to reduce churn rates from 20.4% to 5.61%, illustrating its positive impact. Apart from that, for the clustering results, the K-Prototype model was obtained for the clustering model with the highest Silhouette Score number of 0.1557 and 4 clusters were obtained.    

According to the large Indonesian dictionary, effective means "able to bring results, successful in use" about efforts or actions. Can mean "already in effect" about laws or regulations. In the service sector, the human element plays a very important role in establishing relationships with consumers because the success of the company is determined by whether or not consumers are satisfied with the services provided. One of the service sectors engaged in fulfilling service needs is KBIH (Hajj Guidance Group). KBIH is a private institution authorized by the Ministry of Religion to participate in guiding the Hajj and Umrah pilgrimages. Where the author chose a research place at KBIH Chairul Umam. In this study the authors have research objectives, as follows 1. To find out the work effectiveness of KBIH Chairul Umam employees in increasing congregation satisfaction. 2. To find out the obstacles and solutions that KBIH Chairul Umam does in increasing congregation satisfaction. This research method is descriptive qualitative, through observation, interview, and documentation techniques. The results showed that 1. KBIH employee work Chairul Umam in increasing Jemaah satisfaction, it is known that the effectiveness of employee work has been carried out properly, namely work quality, discipline, cooperation, reliability, responsibility and utilization of working time. Customer satisfaction on several indicators shows that customers are satisfied with the quality of the product, the quality of service provided by KBIH Chairul Umam. 2. With good employee work effectiveness, obstacles that arise when doing work such as delaying work that can hinder other work can be overcome easily, be it obstacles from within the company or from outside the company. With information from the congregation and smooth communication between employees to employees and employees and superiors carried out to improve effectiveness at work and anticipate and find a way out of the obstacles that arise. The obstacles that arise can be overcome properly due to the quality of work, discipline, cooperation, reliability, responsibility and good utilization of working time so as to create a sense of satisfaction from the congregation.

The researcher is interested and aims to investigate and analyze the mechanism for handling problematic financing implemented by Bank Sumut Syariah, especially at KCP Kota Baru Marelan. This research adopts a type of field research with a focus on phenomena or symptoms that occur in the field related to problematic financing in Sharia Home Ownership Credit (KPR) products provided by PT. Bank Sumut Syariah, especially at the Sub-Branch Office (KCP) Kota Baru Marelan. The results of this research are based on observation and scientific logical analysis of data collected from the field. Based on in-depth discussions, Bank Sumut Syariah, especially at KCP Kota Baru Marelan, has implemented a mechanism for handling problematic financing by paying attention to sharia principles. This process involves proactive communication, involvement of sharia experts, and customer openness. Customers, as represented by Mrs. Nilam Kurnia, gave positive testimony regarding the bank's approach in handling problematic financing.

Andika Cell`s retail counter marketing strategy in attracting customers. Based on interviews conducted at the Andika Cell counter in December 2023, social media marketing and advertising programs were identified as the most important strategies. Social media marketing uses platforms such as Facebook and Instagram to reach a wide audience, while the discount program includes special offers such as free data exchange with the purchase of at least 3 data packages and additional gifts such as the purchase of free tamperglass accessories. Based on analysis, this strategy was successful in increasing sales and improving customer loyalty. To strengthen Andika Cell's position in the market, recommendations were made to optimize social media presence, maintain and improve advertising programs, and develop cross-selling and up-selling strategies.

The study of the role of the Financial Services Authority (OJK) in protecting banking customers is an important topic in the context of consumer protection and the stability of the financial system. OJK has the authority to end operational supervision procedures related to bank and non-bank exchange transactions, as well as providing legal certainty for customers. It is an Islamic economic perspective, OJK also has a role in protecting sharia banking customers. Legal protection for depositing customers has been regulated in various laws and regulations, including Law Number 21 of 2011 concerning OJK. OJK also has an important role in resolving consumer complaints in accordance with those regulated in the Consumer Protection Law. In addition, OJK is also involved in regulating national economic stimulus policies that have an impact on the spread of COVID-19. Through regulations such as OJK Regulation No. 48/POJK.03 Year 2020, OJK plays a role in loving the guarantee for financial losses felt by depositing customers. Thus, the role of OJK in protecting banking customers is very important in maintaining public trust in the financial system.

PDAM Tirtanadi is a company that provides clean water services to the general public, especially residents of HM Yamin and the surrounding area. PDAM Tirtanadi runs its operations with profits from customers who use its services. However, due to the large number of customer arrears, especially at the HM Yamin branch, the income received by PDAM Tirtanadi is less. The aim of this research is to identify variables that have the potential to cause customer water account arrears at the Tirtanadi Regional Drinking Water Company (PDAM) HM Yamin Branch. This study uses qualitative descriptions. In addition, during the research process, this research was carried out through observations, interviews and interviews, and document analysis. The research results show that the factors that cause water bill arrears include; 1) Customer economics; 2) Water is not running; 3) Water quality; 4) Buried meters; 5) Customer behavior to delay payment; and 6) Usage soars.

Nowadays, the level of competition between health service providers is increasingly high. Compared to inpatient care, outpatient services are developing more rapidly. One effort to win the competition is to improve the quality of health services and provide services according to patient needs so that it will provide patient satisfaction. In this study, patient satisfaction was identified based on 5 determinants of service quality, namely Reliability, Responsiveness, Assurance, Empathy and Tangibility. The aim of this research is to determine patient satisfaction based on determinants of service quality. The research was carried out using a survey method of filling out online questionnaires by respondents. The sampling technique used was Malhotra's theory with a sample size of 160 people. The research results show that the Customers Satisfaction Index (CSI) value for outpatients at health service facilities in Batam City is 79.6%, including in the satisfied category. All gap values ​​show negative results, the highest gap value is - 0.84 for the attribute of readiness to respond to patient requests and staff who are always polite. Meanwhile, the lowest gap value is -0.04 for the facility/service place attribute that looks attractive to look at. Therefore, it is necessary to gradually improve the quality of service in order to increase patient satisfaction which can be implemented based on service improvement priorities starting from the attribute that has the highest negative gap value. Keywords: patient satisfaction, outpatient, health service facilities.

Nowadays, the level of competition between health service providers is increasingly high. Compared to inpatient care, outpatient services are developing more rapidly. One effort to win the competition is to improve the quality of health services and provide services according to patient needs so that it will provide patient satisfaction. In this study, patient satisfaction was identified based on 5 determinants of service quality, namely Reliability, Responsiveness, Assurance, Empathy and Tangibility. The aim of this research is to determine patient satisfaction based on determinants of service quality. The research was carried out using a survey method of filling out online questionnaires by respondents. The sampling technique used was Malhotra's theory with a sample size of 160 people. The research results show that the Customers Satisfaction Index (CSI) value for outpatients at health service facilities in Batam City is 79.6%, including in the satisfied category. All gap values ​​show negative results, the highest gap value is - 0.84 for the attribute of readiness to respond to patient requests and staff who are always polite. Meanwhile, the lowest gap value is -0.04 for the facility/service place attribute that looks attractive to look at. Therefore, it is necessary to gradually improve the quality of service in order to increase patient satisfaction which can be implemented based on service improvement priorities starting from the attribute that has the highest negative gap value. Keywords: patient satisfaction, outpatient, health service facilities.

PT Atlantic Anugrah Metalindo is a manufacturing company that produces costumize products, steel door systems and fireproof doors. Currently PT Atlantic Anugrah Metalindo is producing 100 units of pallet rack manufacturing with customers from PT X so that proper material requirements planning is needed. The purpose of this research is to determine the material requirements of pallet racks optimally and efficiently. This research requires calculating the Bill of Materials (BOM) using the Cutting plane method and controlling the production process to run effectively and efficiently. Based on the calculations that have been carried out, the results show that for 2 mm thick mild steel material requirements, 6 sheets of plate are needed, 3 mm thick mild steel requires 173 sheets of plate, 3.6 mm thick mild steel requires 12 sheets of plate and 5 mm thick mild steel requires 12 sheets of plate. So that from these calculations PT Atlantic Anugrah Metalindo is expected to minimize the material requirements of pallet rack products.

The development of an institution cannot be separated from the role of the community it self. Apart from quality, the institution must also give priority to the community, consumert or customers to maintain the continuity of the institution or argency. The activities of Islamic banking institutions must be carried out as closely as possible in introducing the products and services offered by Islamic banking with the aim of increasing or even increasing public interest and trust. In connection with this research, this thesis aims to determine the lack of public interest in choosing Islamic banking products. This type of research is qualitaive research and the data collection techniques are observation, interviews and documentation. This research involved 30 respondents in Mekar Sari Village, Kumpeh districh, consisting of various professions. From the results of research conducted by researchers, 8 respondents stated that they were interested in Islamic banking , but only 3 respondents had used Islamic banking services, and the remaining 14 respondents were not interested and used conventional banking services, then 8 respondents did not respond because they assumed that Islamic banking and conventional bank are the same. Based on the data analysis from this research, the public understanding of Islamic banking are internal and external factors, including personality, motivation, attitudes, beliefs lifestyle, religion, experience, family, culture, society and service. Of   these factors, the most dominant main factors are attitude and belief factors, personality factors and community factors themselves.

The business world is a zone of uncertainty, to survive we must have value or competitiveness. One strategy to increase competitiveness is to adapt to current developments. In this digital era, we can use e-commerce marketing media as a place to sell. Apart from marketing and sales media, there is also an important thing that attracts customers, namely packaging. A common problem that occurs in the business world in this era of digitalization is not being able to adapt to technology, this is also an obstacle for the business world today. So the aim of this community service activity is to provide assistance and guidance in using the online e-commerce sales platform. Apart from that, to increase product value we will provide insight into packaging design with the ultimate goal for business actors to increase productivity and profitability of course. In this case, the method used is direct counseling and guidance at the Cyqul Food business location in Harjamekar Village, North Cikarang. Guiding the use of e-commerce and developing packaging design is very necessary to improve business.

Juridical Review of the Digital Banking System for Customer Protection discusses legal certainty for customers in banking transactions via internet banking. The study highlights the protection of customers' personal data and the security of banking information regulated in related agreements including Law no. 10 of 1998 concerning banks and Law no. 11 of 2008, which was changed to Law no. 19 of 2016 concerning electronic information and transactions. Legal protection of online banking users from cybercrime also serves as a research focus. Several studies also highlight the importance of policy protection for victims of economic crime in the banking sector. Customer protection in digital banking systems is becoming increasingly important along with rapid technological developments

The rapid development of e-commerce technology demands the adoption of efficient and reliable payment systems to enhance user experience. This research aims to analyze the quality of smart payment system performance in the context of e-commerce business. The analytical method used includes evaluating the reliability, responsiveness, transaction speed and security of the smart payment system. This study involved a survey of a number of e-commerce customers who use the smart payment system, with a focus on their perception of the quality of system performance. In addition, data collection is carried out by analyzing transaction times, failure rates and transaction security through smart payment systems used by several leading e-commerce platforms. The research results show that the reliability of the smart payment system has a significant impact on e-commerce user satisfaction. Additionally, responsiveness and transaction speed play an important role in ensuring optimal user experience. The security factor is also a critical aspect in increasing user trust in the smart payment system. This research provides valuable insights for e-commerce service providers and payment system developers to improve and optimize the performance quality of their smart payment systems. The implications of these findings can be used as a basis for developing better strategies in improving the efficiency and reliability of electronic payments in e-commerce businesses.

increasingly fierce business competition in the realm of e-commerce causes business people to implement the right strategy, improve service quality, and manage good relationships with consumers. Technology has changed the way businesses operate in recent decades. Rapid technological innovation has provided new opportunities for businesses to grow and develop. This needs to be done by a company as an effort to maintain loyalty customers as well as acquiring new customers. Good product quality is indeed an important factor to be able to increase company sales. However, there are other things that you should pay attention to, namely establishing good relationships with customers it is undeniable that customers are one of the factors that will affect the condition of your business. If you don't have customers, then you won't get any income. Therefore establishing a good relationship with customers becomes important for the sustainability of the company. By definition, a customer relationship is a marketing strategy that retains and manages customers to make repeat purchases. Customers that you have successfully attracted must be managed as well as possible so as not to switch to competitors. The more customers you have, the better the impact on business development. The way this is done is to manage it in such a way that it encourages purchases repetitive and prevents them from switching to competitors.this can also be done by providing answers and solutions to problems owned by customers. Customer relationship practices help salespeople automate sales activities with a customer relationship strategy, you know when to reach out to your sales prospects, what to say, and how to say it.