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This study aims to determine the impact of Financial Technology (Fintech) and digital banking on the overall performance of conventional banking institutions in Indonesia. This research employs a qualitative approach using a comprehensive literature review as its primary method. Data analysis in this study was conducted through an extensive review of various sources, including books, peer-reviewed journal articles, research reports, official websites, newspapers, and magazines, to obtain a holistic understanding of the topic. The results of this study indicate that both Fintech and digital banking significantly affect the performance of conventional banks in Indonesia. Specifically, the effect of Fintech on conventional banking is reflected in a decrease in traditional banking profitability, because Fintech platforms provide alternative channels and competition in credit distribution and financial services. Meanwhile, the effect of digital banking on conventional banking includes improvements in operational efficiency, wider service accessibility for customers, and noticeable changes in customer behavior and expectations. These findings suggest that conventional banks must adapt strategically to remain competitive in the evolving financial ecosystem.

Business ventures are activities carried out by individuals or organizations involving the production, sale, purchase, or exchange of goods and services, with the aim of generating profit. A basic necessities store (commonly known as a “sembako” store in Indonesia) sells daily staple needs, especially the nine essential commodities (sembako), which include items such as rice, sugar, cooking oil, eggs, salt, and other key food ingredients. UD. Putri 2, located in Dusun 1A, Sumber Harapan Village (21261), Tinggi Raja Subdistrict, Asahan Regency, was established in 2018 and has since become an essential part of the local community. This has required UD. Putri 2 to constantly monitor their stock inventory. However, the company still faces inefficiencies in managing sales data processing, which often leads to inventory shortages. When the supply of goods is insufficient to meet customer demand, customers may turn to other stores. If this occurs repeatedly, the store risks losing profit due to the unavailability of goods. Supply Chain Management (SCM) refers to the integrated processes and production activities starting from the acquisition of raw materials from suppliers, the value-adding processes that turn raw materials into finished products, the inventory storage process, and the distribution of finished goods to retailers and consumers. The implementation of SCM can optimize inventory management of staple goods, minimize inventory costs, and improve supply chain efficiency at UD. Putri 2.

The transformation of marketing strategies from conventional methods to digital marketing has become an important factor in the development of the beauty industry, especially for Make Up Artists (MUAs) in Bandung. This study aims to analyze the impact of digital marketing through social media on increasing customer interest and the number of MUA service users, with a case study of Iwan Haadi, a professional MUA in Bandung who is active on Instagram (@iwanhaadimakeup) and TikTok (@iwanhaadi). This research employs a descriptive qualitative method with a case study approach, using interviews, observations of social media activities, and documentation of digital promotional content. The results show that before implementing digital marketing, MUAs generally relied on conventional promotions such as word of mouth and collaborations with wedding organizers. However, technological developments have encouraged many MUAs to shift to social media to expand their promotional reach. Based on observations of Iwan Haadi and 20 other MUAs in Bandung, around 85% have utilized social media particularly Instagram and TikTok to showcase their portfolios and client testimonials. The implementation of digital marketing strategies has proven to increase brand awareness and the number of customers by up to 65% over the past two years. In conclusion, digital marketing has a significant influence on increasing customers and competitiveness among MUAs in Bandung. Consistent and creative use of social media is the key to attracting customer interest and strengthening a professional image in the modern beauty industry.

This study aims to analyze the influence of location, promotion, and service on purchasing decisions at Toko Lia 99 Semarang. The background of this research is based on the increasing competition in the retail business, which requires companies to pay attention to factors that can influence consumers’ purchasing decisions. This study uses a quantitative approach with a survey method. Primary data were obtained through questionnaires distributed to 100 respondents who are customers of Toko Lia 99 Semarang. The research instrument was a questionnaire using a Likert scale. The data analysis technique used is multiple linear regression with the help of SPSS software. The results show that, partially, the location variable has a positive and significant effect on purchasing decisions. The promotion variable also has a positive and significant effect on purchasing decisions. Likewise, the service variable is proven to have a positive and significant effect on purchasing decisions. Simultaneously, location, promotion, and service have a positive and significant influence on purchasing decisions.

This study aims to analyze the influence of relationship marketing and e-servicescape on customer loyalty of Tokopedia users in Medan City. The rapid development of digital technology encourages Tokopedia to build long-term relationships with customers while creating a convenient and secure online shopping experience. This research employed a quantitative method with an associative approach, using data collected through questionnaires distributed to 100 Tokopedia users in Medan City and analyzed using multiple linear regression. The results show that relationship marketing has a positive and significant effect on customer loyalty, where effective communication, responsive services, and loyalty programs such as Tokopedia Points increase customer trust and emotional attachment. In addition, e-servicescape also has a positive and significant effect on customer loyalty through an attractive interface, easy navigation, and reliable transaction security. Simultaneously, both variables make a substantial contribution to building customer loyalty toward Tokopedia. Thus, effective relationship marketing strategies and high-quality digital environments are crucial factors in maintaining customer loyalty and enhancing Tokopedia’s competitiveness in the increasingly intense e-commerce industry.

CV KIA is a shop engaged in the field of computer sales and services, coming directly to make transactions and provide computer service information services. So there are obstacles that are quite time consuming and transportation costs for customers to find out information on goods, stock of goods, and the process of purchasing goods because customers have to come directly to the store. Product information on CV Kia cannot be updated in real time so that there is a delay in calculating stock of goods. The method used in this study is the prototype development method and is designed using UML. This system uses two programming languages, namely PHP. Implementation using the Xampp application, and MySQL. The results of this study are the design and creation of a web-based sales information system. The system that is built will also later facilitate the sales transaction process which can later reduce the level of competition with the outside market. This system displays information about product sales, and can carry out the sales transaction process so that customers do not need to come to the store to get information and make product purchases. The results of testing that has been carried out involving 10 Respondents that the conclusion of the quality of the feasibility of the software produced has a percentage of success with an average total of 100%.  Keywords: Sales, Prototype, PHP, Information Systems, Sublime Text

The use of information technology through website development has become a crucial need for MSMEs, including traditional food businesses like Siomay Batagor Bogarasa. This study aims to develop a business profile website using the Odoo-based ERP website module to strengthen brand identity and facilitate information delivery to customers. The development process follows the Software Development Life Cycle (SDLC) stages, including planning, requirement analysis, design, implementation, and testing. The developed website consists of several pages such as Home, About Us, Menu, and Contact Us, presenting information about the business history, product catalog and pricing, sales locations, and contact channels. Testing results indicate that most features function well, with responsive display, smooth navigation, active contact form, and effective social media integration. One issue was found in the Google Maps display, which has not yet accurately shown the business location. Overall, the website provides practical benefits in terms of promotion, communication, and enhancing the professionalism of the business.

This community service activity was conducted to assist banking institutions in the Surabaya region in enhancing the effectiveness of marketing strategies for savings products in order to increase the number of customers. The main problems faced by banks include the relatively low level of public interest in saving and the suboptimal implementation of promotional strategies, particularly in the utilization of digital media. This activity employed a collaborative approach through training, mentoring, and joint evaluation with marketing staff of banks in the Surabaya area. This activity commenced with an observation and interview phase to identify the marketing strategies that had been previously implemented. Subsequently, material delivery, technical assistance, along with an evaluation of promotional effectiveness. The results indicate that participants were able to implement more adaptive marketing strategies by utilizing digital media such as social media, website, and banking applications. The implementation of these strategies was shown to increase public interest in opening saving accounts. Furthermore, this activity contributed to enhancing the capacity of marketing staff to design data-driven strategies and to strengthening public financial literacy regarding saving products.

This study aims to analyze the internal and external conditions of Karel Workshop in Wairhubing, Sikka Regency, using a SWOT approach (Strengths, Weaknesses, Opportunities, and Threats) as a basis for formulating business development strategies. The research employed a qualitative descriptive method with data collected through in-depth interviews with the owner, employees, and customers, as well as secondary data from documents and official statistics. The findings indicate that Karel Workshop possesses several strengths, including meticulous service quality, strong interpersonal relationships with customers, and mechanic skills acquired through self-learning. However, the workshop also faces weaknesses such as limited equipment, the absence of a structured management system, and a lack of digital promotion. Opportunities that can be utilized include high public interest in motorcycle modification, potential motorcycle painting services, a strategic location, and possible partnerships with spare-part suppliers. Meanwhile, the main threats include rising spare-part prices, competition among workshops, and occupational safety risks. Overall, the study recommends strengthening digital promotion, improving business management, enhancing workshop facilities, and implementing safety standards to support the sustainable development of Karel Workshop. 

This study aims to analyze the internal and external conditions of Karel Workshop in Wairhubing, Sikka Regency, using a SWOT approach (Strengths, Weaknesses, Opportunities, and Threats) as a basis for formulating business development strategies. The research employed a qualitative descriptive method with data collected through in-depth interviews with the owner, employees, and customers, as well as secondary data from documents and official statistics. The findings indicate that Karel Workshop possesses several strengths, including meticulous service quality, strong interpersonal relationships with customers, and mechanic skills acquired through self-learning. However, the workshop also faces weaknesses such as limited equipment, the absence of a structured management system, and a lack of digital promotion. Opportunities that can be utilized include high public interest in motorcycle modification, potential motorcycle painting services, a strategic location, and possible partnerships with spare-part suppliers. Meanwhile, the main threats include rising spare-part prices, competition among workshops, and occupational safety risks. Overall, the study recommends strengthening digital promotion, improving business management, enhancing workshop facilities, and implementing safety standards to support the sustainable development of Karel Workshop. 

This study is intended to identify the impact of Online Customer Reviews and Product Quality Perceptions on Skintific Purchase Decisions on TikTok Shop. This study applies a quantitative approach through causal methods. Involving 96 respondents who have purchased and used Skintific products on the platform. Data analysis was carried out through the stages of classical assumption tests (normality, multicollinearity, and heteroscedasticity), and used multiple linear regression to test the research hypothesis. The findings show that online customer reviews and product quality perceptions have a positive and significant influence on purchase decisions, both when tested individually and together. The adjusted coefficient of determination (Adjusted R²) reaches 0.875, which means that 87.5% of the variation in purchase decisions can be explained by the two independent variables, while the remaining 12.5% is influenced by external elements outside of this model. Among the two variables studied, Online Customer Reviews were proven to have a dominant influence on Purchase Decisions, with a higher Beta value than Product Quality Perception. This conclusion emphasizes that positive reviews from customers and a good view of product quality are the main drivers for consumers to purchase Skintific products on TikTok Shop. Thus, companies are advised to maintain product reputation through consistent quality as well as optimize digital communication strategies based on customer reviews to improve consumer purchasing decisions.

This community service program aims to empower the community of Ujung Tanah District, Makassar City in circular economy-based waste management. Ujung Tanah District as a coastal area with high population density faces complex waste problems, especially waste that ends up in the sea and disrupts the coastal ecosystem. The activities were conducted in four urban villages, namely Ujung Tanah, Tabaringan, Pattingalloang, and Pattingalloang Baru, involving 120 households as direct participants. The implementation methods included socialization and education, waste sorting and processing training, establishment of Waste Banks, mentoring for recycled product creation, and marketing system development. The results showed a significant improvement in community knowledge about waste management, with average scores increasing from 45.2 to 82.6. Four active Waste Bank units were established with a total of 320 household customers. The managed waste volume reached 2.4 tons per month with an economic value of IDR 8,500,000 per month. Recycled products include ecobrick crafts, bags from plastic packaging, and compost fertilizer. This program successfully changed the community paradigm from dumping waste into the sea to managing waste as a source of income.

The development of social media has significant transformations in the communication strategies of retail companies, particularly in building relationships with customers digitally. In the context of increasingly intense competition, social media no longer functions merely as a promotional channel, but also an interactive space to shape engagement, brand perception, and long-term relationships with customers. TIP TOP Supermarket, as one of the modern retail players in Indonesia, utilizes Instagram as its primary digital communication channel to reach audiences, convey brand values, and build customer engagement. The majority of TIP TOP Supermarket’s customers do not yet possess high levels of digital awareness, resulting in limited engagement with TIP TOP’s activations on Instagram. TIP TOP has not yet implemented a strategic approach in managing its Instagram. This condition constitutes a challenge in Instagram management. This study aims to analyze the stages of research and diagnosis, objective, strategies, tactics, implementation, and reporting-evaluation carried out by TIP TOP Supermarket in building customer engagement. The research employs a descriptive qualitative approach within a positivist paradigm. Data were collected through in-depth interviews with seven key informants from the Marketing and Communications Division, observations, and online documentation. The findings indicate that the management of TIP TOP Supermarket’s Instagram has gone through all stages of the ROSTIR, although several aspects have not yet been fulfilled. The conclusion emphasizes the importance of building a brand identity with consistent characteristics. This study recommends the establishment of a digital community on Instagram and the adoption of a responsive approach toward customers.

This study aims to examine the influence of product innovation, digital marketing, and business networking on the competitiveness of small and medium-sized enterprises (SMEs), with customer engagement positioned as a mediating variable. Employing a Systematic Literature Review (SLR) approach, thirty Scopus-indexed articles published between 2020 and 2025 were analysed to synthesise theoretical and empirical insights related to SME competitiveness in contemporary digital and urban business environments. The findings indicate that product innovation, digital marketing, and business networking each play a significant role in strengthening SME competitiveness, particularly within markets characterised by rapid technological change. Customer engagement emerges as a critical mediating mechanism that connects these strategic variables to sustainable competitive advantage. It enhances the impact of innovative and digital strategies by fostering stronger emotional, behavioural, and participative interactions between SMEs and their customers. The review also highlights that SMEs adopting integrated digital management practices, such as the utilisation of human-resource information systems (HRIS) and data-driven decision-making tend to demonstrate greater adaptability, market responsiveness, and long-term performance. The study contributes theoretically by integrating resource-based and dynamic capability perspectives, offering a holistic understanding of how digital and relational capabilities interact to elevate competitiveness. Practically, the findings provide strategic guidance for policymakers, SME managers, and practitioners in designing innovation-oriented and digitally enabled initiatives that support sustainable SME growth in the digital era.

The development of information technology has encouraged restaurants and cafés to function not only as dining places, but also as venues for hosting various events. However, the event reservation process at Rumah Makan Ny. Hartini and Café Rain is still carried out manually through logbooks, telephone calls, and WhatsApp, resulting in problems such as unorganized data, delayed confirmations, and miscommunication with customers. In addition, the manual system limits access to information regarding venue availability, reservation schedules, and additional facilities required by customers. This study aims to develop a web-based event reservation information system using the prototyping method. The system design was carried out using Unified Modeling Language (UML), including use case diagrams, activity diagrams, and class diagrams to model user interactions, process flows, and system structure. The results of the study show that the developed system is able to automate the reservation process, customer data recording, reservation confirmation, schedule management, and additional facilities management. This system improves operational efficiency, data accuracy, and service quality, while also making it easier for customers to make reservations independently and obtain information quickly and accurately.

With the rapid growth of Jambi City's tourism sector, the demand for souvenir products as a representation of local culture has increased. However, this potential has resulted in fierce competition among businesses. To generate new customers, businesses require effective digital and physical marketing strategies. The purpose of this study was to examine how social media marketing, product quality, and location at Gerai Adila simultaneously and partially influence consumer purchasing decisions. A survey method was used to implement a quantitative approach; data from 387 respondents, collected through Google Forms, were selected using the Slovin formula from a population of 11,723 customers in 2024. In data analysis, instruments, classical assumptions, multiple linear regression, and hypothesis testing were conducted using SPSS 25. The results showed that social media marketing, product quality, and Gerai Adila's location partially had a positive and significant impact on consumer decisions to purchase products at Gerai Adila; social media marketing played a role in increasing consumer brand awareness and purchasing interest, while product quality influenced consumer satisfaction and trust. In addition, it was proven that all three variables had a positive and significant impact on purchasing decisions. The results show that to increase the competitiveness of souvenir shops in Jambi City, digital marketing strategies, consistent product quality, and the right location are important factors.

This research aims to examine how prices and reviews influence consumers 'purchasing decisions on the Shopee platform in Jambi City. The rapid development of e-commerce has encouraged consumers to be more careful and discerning when selecting products, making price and product reviews important considerations in buying decisions. This study employed a quantitative approach via a survey method for data collection. The questionnaires were distributed online and successfully gathered responses from active Shopee users in Jambi City. Purposive sampling was employed to make sure that respondents met research criteria. The information gathered underwent analysis using IBM SPSS Statistics 27, which involved conducting assessments of validity, reliability, and classical assumptions, and multiple regression tests to see the impact of each variable on buying decisions. The study revealed that product price and reviews hold an important and relevant impact on consumer buying decisions. This research indicates that the more competitive the price and the better the quality, the bigger the possibility of customers buying products on Shopee.

Queueing systems play an important role in evaluating service performance, especially in small-scale businesses such as barbershops, where fluctuating customer arrival patterns and limited service capacity often lead to long waiting times. This study aims to analyze the performance of barbershop services using the M/M/1 queueing model and an analytical approach based on experimentally tested arrival (λ) and service (μ) rates. The model was selected because it represents a single-server system with Poisson arrivals and exponentially distributed service times, closely matching real barbershop operational characteristics. Using assumed realistic parameters, the analysis shows that when λ = 12 customers per hour and μ = 6 customers per hour, the system becomes unstable with a utilization rate (ρ) exceeding 1, indicating continuous queue growth. Further simulations with increased service rates demonstrate significant improvements: at μ = 15, the system achieves ρ = 0.8 with an average waiting time of 16 minutes, while at μ = 13, the system remains stable but experiences a long waiting time of approximately 55 minutes. These findings emphasize that barbershop performance is highly sensitive to service speed and that even small increases in μ can produce substantial improvements in queue stability and customer waiting times. The study concludes that barbershops must ensure adequate service capacity—either through optimizing service duration, improving worker efficiency, or adding servers—to maintain service quality and enhance customer satisfaction.

This study aims to examine business models in the gypsum sector by utilizing the Business Model Canvas (BMC) framework. The gypsum business is one of the fields that is growing rapidly in line with the increasing need for residential construction, building renovation, and aesthetic and functional interior design. However, to be able to survive and compete in an increasingly competitive market, gypsum business actors are required to have a business model that is structured, adaptive, and value-oriented for customers. This study uses a qualitative approach with a descriptive type of research. Data collection was carried out through in-depth interviews and direct observation of Nury Gipsum's business located in Klaten Regency. The results show that all nine elements in the Business Model Canvas, namely key partners, key activities, key resources, value offerings, customer relationships, distribution channels, customer segments, cost structure, and revenue streams, have been optimally implemented. Thus, the Business Model Canvas has proven to be effective in providing a comprehensive overview of business operations and can be a strategic basis for decision-making and gypsum business development in the future.

This study aims to analyze the influence of product quality on consumer satisfaction in the Kipang Sisera Panyabungan Business. The research method used is a quantitative approach with data collection techniques through observation, interviews, and questionnaire distribution to 96 respondents who are customers of Kipang Sisera. The data obtained were analyzed using validity, reliability, and regression analysis tests with the help of SPSS 25. The results of the validity test showed that all items in the questionnaire were valid with a rtable value of > (0.1689), while the results of the reliability test using Alpha Cronbach showed a value of > 0.60, which means that the research instrument is trustworthy. The results of the partial regression test (t-test) showed that product quality had a positive and significant effect on consumer satisfaction with a significance value of 0.000 < 0.05. The determination coefficient (R²) test showed that product quality contributed 62.9% to consumer satisfaction, while the rest was influenced by other variables that were not studied in this study. These findings indicate that improving product quality, both in terms of taste, packaging, and quality consistency, is very important in maintaining consumer satisfaction and the sustainability of Kipang Sisera's business in the midst of market competition.