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This study aims to analyze the implementation of credit risk management in Islamic banking, which is a crucial aspect in maintaining business stability and sustainability. The research focuses on identifying credit risk control strategies, such as supervisory oversight by the board of commissioners, risk management policies, and internal control systems. The research method used is a literature review, examining various sources, including journals, books, and official documents. The article shows that credit risks in Islamic banking arise from customers' failure to meet payment obligations and involve concentration and counterparty risks. Islamic banks apply several strategies to address non-performing loans, such as rescheduling, restructuring, reconditioning, and, when necessary, collateral seizure. The implementation of credit risk management helps banks reduce potential losses and improve operational efficiency. Effective credit risk management enables Islamic banks to mitigate losses and maintain customer trust while adhering to Sharia principles and OJK regulations. With the right strategies, Islamic banks can ensure financial stability and sustain long-term growth..

This paper discusses the principle of bank secrecy as an important instrument in legal protection for customers, as well as its relevance in maintaining public trust in the banking sector in Indonesia. Based on the legal framework stipulated in Law Number 10 of 1998 concerning Banking and Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector (PPSK), this study highlights the obligation of banks to protect customer data, including exceptional situations regulated by law. Normative legal research is used to analyze legal principles, laws and regulations, and related literature. The principle of bank secrecy is considered a pillar of customer trust and the main capital in the financial ecosystem. However, challenges arise when this principle conflicts with the interests of law enforcement, such as criminal investigations. The regulations strengthened by the PPSK Law provide a foundation for customer data protection while also regulating administrative and criminal sanctions for violations. On the other hand, the application of this principle also contributes to financial stability by increasing literacy and compliance with regulations. This paper recommends harmonization between the protection of customer privacy rights and the effectiveness of law enforcement to maintain the sustainability of trust in the banking sector.

As technology rapidly advances, the internet and social media have become an integral part of everyday life. Social media, which has evolved significantly since the Web 2.0 and 3.0 eras, plays a crucial role in communication and marketing. In this context, Bank Syariah Indonesia utilizes social media as a marketing tool to reach customers, particularly the millennial generation, who are highly reliant on digital technology. This study aims to explore the application of social media in the marketing of Islamic bank products and how brand image influences customer decisions. The use of social media platforms such as Instagram, Facebook, Twitter, and TikTok allows the Islamic bank to introduce products and expand its market reach more efficiently. Furthermore, the research indicates that marketing through social media significantly influences consumer purchase intent and strengthens brand image. The bank's brand image is also influenced by product quality, responsive customer service, and the company's reputation, all of which contribute to increased customer trust. With the right digital marketing strategy, the Islamic bank can enhance operational efficiency, strengthen its market position, and provide better services to customers.

Networking plays a crucial role in developing an entrepreneur's career. With a wide network, entrepreneurs can access various resources, business opportunities, guidance and support from investors that can accelerate the development of their business. In addition, networking contributes to building a professional image and trust, which are important factors for attracting customers and strategic partners. Solid interpersonal relationships also open up opportunities for creative collaboration and idea sharing, allowing entrepreneurs to face challenges more effectively. Whether through online or offline platforms, networking is a key strategic element in creating long-term success for an entrepreneur. In the current digital era, networking can be done through various platforms, either directly, such as attending conferences and business events, or online through social media and virtual communities. This process not only expands connections but can also provide an opportunity to understand industry trends and build competitive advantages. Therefore, networking is not just about building relationships, but is also one of the main strategies that can encourage long-term success and growth for an entrepreneur.

Customer satisfaction includes efforts to meet consumer needs. Consumer satisfaction is a situation demonstrated by consumers when they realize that their needs and desires are as expected and are being fulfilled well. This research aims to determine and analyze the influence of relationship marketing, customer trust, and price competition on consumer satisfaction of Indihome users in Medan City. With a sample size of 100 respondents. Data collection techniques were carried out using questionnaires. The analysis used is multiple linear regression analysis using the SPSS (Statistical Package for Social Sciences) 24.0 for Windows program tool. The results of the analysis show that relationship marketing has a positive and significant influence on consumer satisfaction. Customer trust has a positive and significant influence on consumer satisfaction, and price competition has a positive and significant influence on consumer satisfaction. Meanwhile, the results of the simultaneous analysis show that relationship marketing, customer trust, and price competition have a positive and significant effect on consumer satisfaction of Indihome users in Medan City.

The research used a questionnaire method which was carried out at BMT Jambi City. This research used 100 samples as respondents with samples taken using Random Sampling Technique. The results of this research are: (1) Service quality has a significant effect on customer loyalty, (2) trust has a significant effect on customer loyalty, (3) religiosity has no significant effect on customer loyalty, (4) service quality has no significant effect on satisfaction, (5) ) trust has no effect on satisfaction, (6) religiosity has a significant effect on satisfaction (7) satisfaction has a significant effect on customer loyalty, (8) satisfaction does not mediate the effect of service quality on customer loyalty, (9) satisfaction does not mediate the effect of trust on customer loyalty ( 10) satisfaction does not mediate the effect of religiosity on customer loyalty

This study aims to examine the effect of Islamic accounting service quality on customer trust in the context of Islamic banking. This literature study identifies key factors in enhancing customer trust, including transparency of financial statements, compliance with sharia principles, and overall service quality. Using the literature research method, it was found that consistent and shariah-compliant implementation of Islamic accounting plays an important role in enhancing customer trust. Service quality that includes accuracy, transparency, and sharia compliance has a significant impact on customer trust, which in turn affects customer loyalty and the growth of Islamic banks. This research provides insights for Islamic bank management to improve service quality to build customer trust.

This research aims to determine the effect of service quality and trust on customer satisfaction at IC Beauty Salon. To be able to gain an advantage in the competition for service quality, a company must meet customer satisfaction by implementing a strategy for the services offered. Customer trust is influenced positively and significantly by aspects of service quality and trust. Competition in the beauty industry is currently quite fierce along with the increasing interest of women and men in beautifying themselves. With this trust in consumers, IC Beauty now has 1 center and 1 central branch located on Jl. Surya Sumantri 106 branch is located on Jl. Ciumbeluit No. 49 Bandung . The quantitative research method used a sample of 61 respondents. The main data source used is primary data obtained from questionnaires that have been distributed to IC Beauty customers.

This study aims to analyze the influence of Islamic business ethics and product quality on consumer satisfaction in the culinary business Lontong Pak Muslim in Medan. Islamic business ethics in this study are measured through the application of principles such as honesty, trustworthiness, and fairness, while product quality includes taste, cleanliness, and authenticity of raw materials. This research method uses a quantitative approach with data collection through a Likert scale-based questionnaire distributed to 100 respondents. The data analysis technique used is multiple linear regression, with t-test, F-test, and coefficient of determination to see the relationship and influence between variables. The results of the study indicate that Islamic business ethics and product quality partially and simultaneously have a positive and significant effect on consumer satisfaction. Product quality has a more dominant influence than Islamic business ethics, indicating the importance of taste quality and cleanliness in increasing customer satisfaction. Overall, this study shows that the application of business ethics in accordance with Islamic values ​​and good product quality can strengthen consumer loyalty and maintain business sustainability. These findings provide recommendations to culinary business actors to continue to pay attention to product quality and uphold the principles of Islamic business ethics in an effort to increase consumer satisfaction and competitiveness in the market.

This article is entitled Analysis of the Implementation of Customer Relationship Management in Increasing Customer Loyalty at the LKMS-A Gapoktan Panampuang Prima Cooperative. Matters relating to behavior towards customers, how to serve customers, and all matters relating to customer behavior are part of Customer Relationship Management. In this study, the research used is field research which is descriptive qualitative in nature by collecting data through observation, interviews and documentation. Qualitative research is carried out to build knowledge through understanding and discovery. The results of this research, the implementation of Customer Relationship Management at LKMS-A Gapoktan Panampuang Prima is CRM designed to utilize information technology by developing a continuous relationship with customers by maximizing four dimensions, namely planning, People, Process. , Technology. Which can be seen in the LKMS-A Gapoktan Panampuang Prima which has maximized these four dimensions. Meanwhile, the obstacle faced by the LKMS-A cooperative is the difficulty in increasing the number of customers due to the large number of competing institutions nearby. However, these obstacles can be overcome by improving service quality, increasing trust, increasing satisfaction, and building a better company image.    

This study aims to determine the direct and indirect effect of trust, service quality, price on customer loyalty through customer satisfaction at JNE  Tanjung Pinang Branch. This type of research uses quantitative research methods with primary and secondary data sources. This research was conducted at JNE Tanjung Pinang Branch, Tanjung Pinang, Riau Islands. This research started from March 2023 to August 2023. Based on the results of JNE transaction data for Tanjungpinang City, the population taken is consumers from the corporate and social commerce types who trust the delivery of goods/files from companies or agencies with JNE. The population is 146 from both corporate and social commerce types who have collaborated with JNE Tanjung Pinang. In this study, data collection was carried out using the census method in which the entire population was taken as a sample. By using the census method, this study aims to obtain accurate and representative data from the entire existing population. This step will make it easier for researchers to analyze and describe the characteristics and events that occur in the population, Based on the provisions, the number of samples that meet the criteria from JNE users in the corporate and social community categories is 118 respondents. This research uses Smart-Pls as a data processing tool. The results of the study show that all variables have a direct and indirect effect on variables Z and Y.    

This research aims to find out: (1) Online Customer Reviews, Trust, and Purchasing Decisions at the Lazada Marketplace in the city of Tasikmalaya. (2) The relationship between Online Customer Reviews through Trust. (3) The influence of partial online customer reviews and trust on purchasing decisions for Erigo products at the Lazada Marketplace in Tasikmalaya city. (4) Simultaneous influence of Online Customer Review and Trust on purchasing decisions for Erigo products at the Lazada Marketplace in Tasikmalaya city. The research method used is a quantitative method with a survey approach. The data analysis technique used is Path Analysis with an interval measurement scale. Partial and simultaneous hypothesis testing with a significant level (α= 0.05). The research results show that: (1) Online Customer Reviews, Trust, and purchasing decisions for Erigo products on the Lazada Marketplace are included in the very good category. (2) Online Customer Review has a relationship with Trust in Erigo Marketplace Lazada products. (3) Online Customer Reviews and Trust have a positive and significant effect on Partial Purchase Decisions for Erigo products on the Lazada Marketplace. (4) Online Customer Reviews and Trust have a positive and significant effect on Simultaneous Purchasing Decisions for Erigo products on the Lazada Marketplace.  

This study aims to determine and analyze the effect of service quality, trust and convenience of Muamalat DIN mobile banking on customer satisfaction at Bank Muamalat Indonesia KCU Medan Baru. The type of research used is quantitative research. The number of samples in this study was 96 customers with the determination of the sample size using the Lemeshow formula. Data analysis used is multiple linear regression analysis using SPSS. The results of this study indicate that simultaneously and partially service quality, trust and convenience have a positive and significant effect on customer satisfaction. And based on the coefficient of determination, the independent variable is able to influence the dependent variable by 52.9%.

The aim of this research was to examine the impact of infⅼuencer support, and saⅼes advertising materiaⅼ on the purchase choices. The hypothesis posited in this research is that infⅼuencers, and advertising materiaⅼ have a favorabⅼe impact on customer purchase choices skincare products. The research incⅼuded a totaⅼ of 87 respondents who were seⅼected via purposive sampⅼing, specificaⅼⅼy purposive sampⅼing. The data coⅼⅼecting approach invoⅼves the use of questionnaires and the anaⅼysis of data using SPSS. This anaⅼysis incⅼudes doing vaⅼidity tests, reⅼiabiⅼity tests, cⅼassicaⅼ assumption tests, muⅼtipⅼe ⅼinear regression anaⅼysis, and hypothesis testing using t tests, F tests, and R2. The research findings indicate that the independent variabⅼes, nameⅼy Infⅼuencers, have a favorabⅼe impact on purchase choices. Advertising materiaⅼ has a beneficiaⅼ infⅼuence on buying choices. The test resuⅼts indicate that the adjusted R-squared vaⅼue for the independent variabⅼes infⅼuencer, and advertising content on purchasing decisions is 0.577. This suggests that 57.7% of the variation in the purchasing decision variabⅼe can be expⅼained by the independent variabⅼes infⅼuencer, and advertising content. However, 42.3% of the outcome is affected by other factors, such as the quaⅼity of the goods, its ⅼocation, brand, and trust.

The aim of this research was to examine the impact of infⅼuencer support, and saⅼes advertising materiaⅼ on the purchase choices. The hypothesis posited in this research is that infⅼuencers, and advertising materiaⅼ have a favorabⅼe impact on customer purchase choices skincare products. The research incⅼuded a totaⅼ of 87 respondents who were seⅼected via purposive sampⅼing, specificaⅼⅼy purposive sampⅼing. The data coⅼⅼecting approach invoⅼves the use of questionnaires and the anaⅼysis of data using SPSS. This anaⅼysis incⅼudes doing vaⅼidity tests, reⅼiabiⅼity tests, cⅼassicaⅼ assumption tests, muⅼtipⅼe ⅼinear regression anaⅼysis, and hypothesis testing using t tests, F tests, and R2. The research findings indicate that the independent variabⅼes, nameⅼy Infⅼuencers, have a favorabⅼe impact on purchase choices. Advertising materiaⅼ has a beneficiaⅼ infⅼuence on buying choices. The test resuⅼts indicate that the adjusted R-squared vaⅼue for the independent variabⅼes infⅼuencer, and advertising content on purchasing decisions is 0.577. This suggests that 57.7% of the variation in the purchasing decision variabⅼe can be expⅼained by the independent variabⅼes infⅼuencer, and advertising content. However, 42.3% of the outcome is affected by other factors, such as the quaⅼity of the goods, its ⅼocation, brand, and trust.

Businesses must use social media if they want to survive in this modern era. Almost all industries need social media to increase market share, boost brand credibility, and increase customer trust. Social media is also necessary for the transportation industry to function properly. Until now, there has not been much research on transportation related to marketing activities on social media, especially buses. This study provides a new perspective on efforts to improve SMMA purchasing decisions. It was found that customer experience and promotion variables are necessary as mediating variables between SMMA and purchase decisions. This study collects and analyzes quantitative data. In this study, purposive sampling method was used to 506 sample bus passengers at PO Bejeu Jepara. The empirical model was tested with Smart PLS 4.0 software.

Sharia banking is a bank whose activities refer to Islamic law and in its activities neither charges interest nor pays interest to customers. Sharia bank rewards received or paid to customers depend on the contracts and agreements entered into by the customer and the bank. Agreements (contracts) contained in sharia banking must comply with the terms and pillars of the contract as regulated in Islamic sharia. Over the last decade, the Islamic banking industry has developed very rapidly, not only the number of Sharia Commercial Banks (BUS) but also their assets have increased several times to hundreds of trillions. Seeing the current phenomenon of sharia banking is the author's interest in carrying out research. This research approach uses a descriptive approach, namely by obtaining data collection and data analysis aimed at creating systematic, current and accurate descriptions, depictions of the facts, as well as the relationships between the phenomena being investigated. The types and sources of data are quantitative data and secondary data taken from company reports. The results obtained are that Bank Syariah Indonesia is included in the very rapid development category.  This is proven every year that he is able to achieve good goals and development. This shows that the public's response to trusting Indonesian Sharia banks is very good. And able to balance the challenges and opportunities in this current of globalization.      

Indonesia as one of the developing countries that Pancasila economic system must utilize new digital technologies to improve its economy, improve its economiy. This research aims to understand the role of e-commerce in improving people’s walfare in the digital era. It explores how the digital economy has impacted the growth of online commerce businesses in Indonesia over the past five years and examines the digital strategies adopted by e-commerce companies to improve  operational efficiency and customer service. Operational efficiency and customer service. The study highlights the contribution of leading platforms such as Shopee and Tokopedia, which are use advanced digital marketing tehcniques, user-friendly interfaces and strong security measures to build trust, and strong security measures to build consumer trust and increase engagement. Financial technology (fintech) also plays an important role in supporting e-commerce by enabling transaction role in supporting e-commerce by enabling secure transactions, efficient transactions, and expanding access to financial services. In summary, the growth of combined internet usage, e-commerce, and fintech in Indonesia highlights the country’s significant strides in developing a dynamic digital economy. The country’s significant strides in developing a vibrant digital economy. These advancement are diving economic growth, enhancing financial inclusion, and transform the shopping experience, thereby improving the overall economic well-being of society as a whole in the digital age    

This research aims to analyze the influence of price perceptions, service quality and trust on Gojek Customer Loyalty at the University of North Sumatra. The object of this research is Gojek users at the University of North Sumatra. The sampling technique uses non-probability sampling, the Convenience Sampling method. The number of samples used in this research was 218 respondents. The analytical method used in this research is a multiple linear regression model. The research results show that price perception has a positive and significant effect on Gojek Customer Loyalty at the University of North Sumatra. Service quality has a negative and insignificant effect on Gojek Customer Loyalty at the University of North Sumatra. Trust has a positive and significant effect on Gojek Customer Loyalty at the University of North Sumatra.

The aim of this research is to discuss innovation in marketing management of village Micro, Small and Medium Enterprises through social customer relationship management (SCRM), digitalization and technological guidance assistance. The method used is a systematic literature review method. Systematic literature reviews are used for the process of identifying, evaluating and interpreting research results relevant to research objectives that include research questions, topic areas and related phenomena. One of the main reasons for conducting qualitative research is because the research is exploratory in nature. Based on the discussion above, it can be concluded that social customer relationship management is defined as a business philosophy and strategy, supported by technology platforms, business rules, processes and social characteristics, which are designed to involve customers in collaborative conversations to deliver mutually beneficial value in a trusted and transparent business environment. Micro, small and medium enterprises need to maintain good relationships with customers and increase their loyalty through knowledge and fulfilling customer needs quickly and precisely. One of the keys for micro, small and medium enterprises to survive in today's competitive business world is through business digitalization, where micro, small and medium enterprises can take advantage of this to develop business performance. Government policy in the form of technical guidance training in the form of training for micro, small and medium enterprises is expected to strengthen the relationship between entrepreneurial marketing and marketing performance.