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This research aims to describe the application of the precautionary principle in dealing with bad credit and to determine the assessment in providing financing to PT. BSM Kcp Script. This type of research is descriptive qualitative, data collection techniques use interviews and documentation, data analysis uses qualitative data analysis techniques using inductive thinking, and this research data uses primary data sources obtained from supporting sources, namely books, the internet and literature. other. PT. BSM Kcp Aksara has applied the precautionary principle in bad credit using the 5C principle analysis, which includes Character, Capacity, Capital, Condition and Colliteral as well as producers that customers must go through in submitting financing applications, providing financing, paying financing installments and obstacles to bad credit. . The results of this research, PT. BSM Kcp Aksara in implementing the principle of prudence in the financing that has been carried out is not good enough, BSM provides financing by emphasizing the 5C principle which includes Character, Capacity, Capital, Condition and Collateral. The important thing in providing financing to customers is Collateral (Guarantee). Judging from the results of customer data, the 5C principle has not been able to completely prevent bad credit due to the Account Office (AO) being less careful in analyzing financing. However, BSM's consistency in handling problematic financing customers has been carried out according to producers by collecting them periodically and providing warning letters I, II and III in stages.  

The objective of this article is to examine the elements that impact the inclination of customers of Indonesian Islamic banks, specifically those in KC Medan Ahmad Yani, to utilize mobile banking. Technology has significantly influenced people's lives, and the banking industry has utilized the internet to enhance their services. This has resulted in the emergence of mobile banking, which refers to banking services accessed through mobile phones or, in other words, phone banking. Mobile banking, along with services like ATMs and credit cards, has become essential for Indonesian banks to expand their target market. Currently, mobile banking serves as a primary focal point and an effective operational strategy for banks to enhance their services.The purpose of this analysis is to identify the factors that influence customers' interest in using mobile banking and the strategies employed to increase customer engagement. Additionally, the study aims to ascertain whether mobile banking can be employed as a marketing strategy to drive customer growth at Bank Syariah Indonesia KC Medan Ahmad Yani. Data collection for this research is conducted through a questionnaire, which includes inquiries intended to gather relevant information.

This research aims to determine the influence of customer value and product variety on Soehendar Coffee customer satisfaction. Data collection techniques use observation, questionnaires and literature study. The sample in this study was 30 respondents with the sampling technique being purposive sampling, namely customers who had purchased Soehendar Coffee products at least once. The data analysis technique uses multiple linear regression analysis. The research results show that partially, neither customer value nor product variety have a significant influence on Soehendar Coffee customer satisfaction. Simultaneously, customer value and product variety have a significant influence on Soehendar Coffee customer satisfaction.

This study aims to analyze the effect of inflation, financing to deposit ratio (FDR), and operational efficiency on return on assets (ROA) in the financial sector. ROA is an important performance indicator for financial companies, because it reflects the level of profitability of the assets owned. The research method used is regression analysis with annual data from various financial companies during the study period. Inflation is measured using the consumer price index (CPI), FDR describes the ratio between loans provided by banks and deposits received from customers, and operational efficiency is measured by the ratio of operating costs to operating income. The results of this study provide useful insights for the management of financial companies in facing challenges from economic and operational factors. To increase ROA, companies need to consider effective inflation risk management strategies and optimize the FDR ratio, while still focusing on improving their operational efficiency.

The trust, service and communication that exist between PT Telkom Witel Yogyakarta Government segment and its customers will make this relationship marketing strategy key in efforts to maintain customer loyalty. The purpose of this internship activity is to find out and learn good relationship marketing strategies in maintaining customer loyalty. The research method carried out by the author is a qualitative method, while the data used is primary data and secondary data. The descriptive data analysis technique used in this research is to produce a systematic, realistic and accurate picture of the relationship marketing strategy carried out by PT. Telkom Witel Yogyakarta Government Service segment in retaining customers. Results of interviews and observations of PT's Government Segment Relationship Marketing strategy. Telkom Witel Yogyakarta in Maintaining Customer Loyalty is a strategy of direct sales (direct marketing), customer service, loyalty programs, business visits and maintaining product quality.    

Dui April Yani Simangunsong's research (2023) Thesis entitled "The Influence of Service Quality, Trust, and Satisfaction on Customer Loyalty (Case Study of Bank Sumut Syariah Kcp Lubuk Pakam)" with thesis supervisor 1 Mrs. Annio Indah Lestari, M,Si and supervisor 2 Mr. Muhammad Lathief Ilhamy Nasution, M.E.I This research aims to examine the influence of service quality, trust and satisfaction on customer loyalty (case study of Bank Sumut Syariah Kcp Lubuk Pakam) both partially and simultaneously. The type of research used is quantitative research with questionnaire data collection techniques with Likert scale measurements. The subjects used in this research were customers who saved at the North Sumatra Sharia Bank as many as 100 respondents and were taken using sampling techniques. Data analysis techniques using Spss statistics 25. The results of this research show that: first, Service Quality has a positive and significant effect on Customer Loyalty, with a value of tcount > ttable (9.575 > 1.661) and a significant value of 0.042 < 0.05. Second, Trust has a positive and significant effect on Customer Loyalty with a value of tcount > ttable (8.748 > 1.661) and a significant value of 0.026 < 0.005. Third, satisfaction has a positive and significant effect on customer loyalty with a value of tcount > ttable (7.300 > 1.661) and a significant value of 0.037 < 0.005. Fourth, Service Quality, Trust and Satisfaction, on Customer Loyalty with a value of Fcount > Ftable (37.449 > 2.47) and a significant value of 0.000 < 0.005.

Bank Syariah Indonesia Renon Denpasar Branch Office as an institution engaged in the financial sector is certainly inseparable from marketing strategies as a support for its growth and development. The marketing strategy aims to support banks in achieving success and as a measure of banking performance. So  that a marketing mix is also needed to achieve banking goals and objectives so that it can increase the number of customers in the bank. The focus of the research 1. How is the marketing mix strategy of  mitraguna blessing financing products in increasing the number of customers at PT Bank Syariah Indonesia Renon Denpasar Branch Office? 2. What are the obstacles faced in implementing the marketing mix strategy for mitraguna  blessing financing products to increase the number of customers at PT Bank Syariah Indonesia Renon Denpasar Branch Office? Research Objectives 1. To find out the application of the marketing mix strategy of financing mitraguna blessing in increasing the number of customers at PT Bank Syariah Indonesia Renon Denpasar Branch Office. 2. To find out the obstacles faced in implementing the marketing mix strategy of financing products mitraguna blessing to increase the number of customers at PT Bank Syariah

Griya Takeover Financing is one of the financing companies owned by BSI KCP Kuta to meet customers' financial needs. However, this financing often encounters problems in the takeover process. The aims of this study are: to find out the factors that lead to a murabahah contract in the financing of a takeover griya at BSI KCP Kuta and to find out the process of financing the griya takeover at BSI KCP Kuta. The research method used is a descriptive qualitative method with data collection techniques through observation, interviews, and documentation. The data analysis technique used is the Miles and Huberman model, which includes data collection, data reduction, data presentation, and data verification. data validity technique with the triangulation technique. The results of the study found: 1) There are factors that cause a murabaha contract to occur, namely the presence of the object of the contract; 2) The murabaha contract process by submitting asset documents to the consumer as a sign of consent qabul with the consumer. And financing for takeover houses that are free from usury in accordance with the Fatwa of the National Sharia Council, MUI No.04/DSN-MUI/IV/2000, dated April 1, 2000, conceming murabaha.; 3) The process of financing takeover housing includes BSI having the terms and benefits of financing takeover housing. To attract consumer, as well as with light installments, one of the benefits of takeover financing at BSI is that consumers still feel able to meet other needs.

Objective: to determine trends in consumer legal protection in the digital economy era from various industries in Indonesia based on article reviews. Method: secondary data in the form of articles that match the research objectives with a publication period of 2014-2023, obtained online from Emerald, Elsevier, and Google Scholar. The analysis was carried out using Systematic Literature Review (SLR), using the Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) approach. Results: The data search obtained 341 articles, and those that met the inclusion criteria were 9 (nine) articles with publication years 2019–2023 , in the fields of e-commerce, fintech, and online transportation. Article on cases of transactions via e-commerce and online transportation using UUITE No. 19 of 2016, and UUPK no. 8 of 1999. This regulation has not been able to meet increasingly dynamic market conditions and very sharp competition in the business world, so it has not been able to provide legal certainty to consumers. Problems in the fintech P2P lending sector use the legal basis of POJK No. 77 of 2016 concerning Information Technology-Based Money Lending Services. Regarding this regulation, it is still subjective, so it cannot provide protection to customers. In fact, there are still many illegal fintech loans found, thus outside the responsibility and authority of the OJK. Novelty: trends obtained from previous research regarding consumer legal protection. Future Research Agenda: conducting a study on the future of law in the digital economy era regarding obstacles in harmonizing various regulations.

This study aims to determine: (1) The effect of service quality on customer satisfaction in the Reza Salon Wedding Organization service business in Kolaka Regency, (2) The effect of price perceptions on customer satisfaction in the Reza Salon Wedding Organization service business in Kolaka Regency. This study uses a quantitative method approach. Collecting data in this study using literature, observation, questionnaires and documentation. The population in this study amounted to 2843 people with a sample of 351 Reza Salon customers in this study. Testing the research instrument using the validity test and reliability test with SPSS. The data analysis technique used in this study is the measurement model test (outer model) and the structural model test (inner model) with Smart PLS. Based on the results of the study it is known that the first hypothesis, there is a positive and significant influence between the constructs of service quality variables on customer satisfaction in the Reza Salon Wedding Organization service business in Kolaka Regency. The second hypothesis, there is a positive and significant influence between the constructs of service quality variables on customer satisfaction in the Reza Salon Wedding Organization service business in Kolaka Regency.

The creative economy is a growing and promising sector in Indonesia. However, this development cannot be separated from the role of an effective marketing strategy in marketing the products and services it produces. Students are one of the potential consumer segments of the creative industry. The creative economy of bouquet marketing among students is useful for honing certain talents, skills and creativity from the community to provide welfare and increase pocket money. This study uses a descriptive qualitative method, namely by explaining bouquet marketing as a developer of creative economic marketing strategies among students in a narrative form. Students consider the creative economy as a place that has great potential and opportunities. They see that creative industries such as art, design, music, film, fashion, and computer games can produce innovative works and create new jobs. In addition, the creative economy is considered as a space where one can express their creativity freely. The marketing strategy used by students to promote their business is to use social media such as WhatsApp, Instagram and others. There are several strategies for online marketing that might attract potential customers. Among them is using attractive pictures or videos, visuals are very important in attracting the attention of online consumers. The suggestion is to promote more often, create more so that customers are interested.  

This community service is located in Mulyoagung Village, Dau District, Malang Regency. The problem faced by partners is the lack of a guarantee of business legality. The next problem is product packaging and labels that are less attractive and do not meet standards, which make it difficult to market products. Solutions that can be proposed with training and assistance to obtain a business license or business legality certificate are in the form of business identification numbers (NIB), home industry food production certificates (SPP-IRT), labels and brands, and product halal guarantees. There is training and assistance in making product packaging and labels, considering that packaging is a very important factor for maintaining quality and attracting customers to buy products when they are marketed. In addition, training and assistance for entrepreneurs in using information technology to market products to a wider market online and offline.

Limited capital is one of the reasons people do not dare to open a business, because for an entrepreneur, capital is one of the requirements for running or building a business. There are two forms of capital, the first is capital in the form of money or goods. Second, namely intellectual capital such as knowledge, abilities, skills and commitment. The distribution of productive capital is expected to be able to improve the community's economy with business capital loans for the community. In reality, there are many negative perceptions regarding business capital lending, so it is canceled. The formulation of the problem in this research is the Role and Constraints/Barriers of PT Permodalan Nasional Madani Mekar in Financing Micro, Small and Medium Enterprises (MSMEs) in Jambi City. The research method in this research is a qualitative research method. The data collection techniques were carried out using observation, interviews and documentation. The results of this research are that the role of PT Permodalan Nasional Madani Mekaar in financing is to help MSME players face their obstacles in running MSMEs such as lack of capital. PT Permodalan Nasional Madani Mekaar provides capital assistance with a very fast process and without any burdensome requirements for its customers. And the obstacles/obstacles faced by PT Permodalan Nasional Madani Mekaar include the factor of customer dishonesty during interviews with PNM Mekaar and obstacles to customers running away or abandoning responsibilities.  

This research is motivated by the ability of Islamic commercial banks to collect funds from the public to be channeled back to customers in the form of financing, where third party funds are one of the largest sources that can be collected by banks, so that these third party funds can affect the amount of financing to be distributed . Murabahah financing is the most popular financing in both Islamic banks in Indonesia and Islamic banks in the world, and also the effect of margin income because the higher the margin income received, the banks will indirectly increase the amount of murabahah financing because this is related to good performance. The research method used is a quantitative research method, with a sampling technique using purposive sampling with 44 research samples. The type of data used is secondary data in the form of BUS quarterly financial reports for the 2017-2019 period which are accessed and retrieved through the official website of each bank. The data analysis used is the classical assumption test, multiple linear regression analysis, t test, F test, coefficient of determination and path analysis.

The decision to subscribe to the internet network at PT. Garuda Media Telematics, consumers consider product quality and ratings to get satisfaction. The company uses a cable network system (Fiber Optic) which has a speed compared to ordinary cable, which means that it can transfer data at high speed and the cost of installation and operation is relatively low. The method used in this study is a quantitative research method. The population used was 100 respondents, then the number of samples used in this study were 80 customers in 1 hamlet area using nonprobability sampling technique. The collection of data used in this research are observation, interviews, documentation, and questionnaires. Data analysis techniques using data quality test, classic assumption test, multiple linear regression analysis and hypothesis testing. The results of this study indicate that: (1) Product quality has no positive and significant effect on customer satisfaction at PT. Garuda Media Telematics Kec. With. (2) Customer Value indicates a positive and significant influence on customer satisfaction at PT. Garuda Media Telematics Kec. With. (3) Product Quality and Customer Value indicate that simultaneously have a positive and significant effect on customer satisfaction PT. Garuda Media Telematics Kec. Bareng.   Keywords: Product Quality, Customer Value, and Customer Satisfaction

Costumers’ have their own taste to buy something at somplace, beside when they found a product or a place that suits to their taste arises a desire to become customer that loyal to that product or a place .  Object of this research is hijab convection CV.ZAM-ZAM Candimulyo Jombang. Purpose of this reseacrh is to know the effect of service quality and product quality on customer loyalty at hijab convection CV.ZA-ZAM Candimulyo Jombang This resecarh methode is kuantitative . The populations are customersrs who buy or booking at the hijab cnvection CV.ZAM-ZAM Candimulyo Jombang wich around 150 customers in a month with 30 respondens. Data analysised by statistic test helped by SPSS25. The results  showed that factors that 1) the service quality has a partial effect on customer loyalty with value of 2.125 on partial test. 2) the product quality has a partial effect on customer loyalty with value of 2.993 on partial tes. 3) the service quality and product quality has a simultaneous effect on customer loyalty with value of 11.938 on simultaneous test.

This study aims to determine the influence of marketing mix on purchasing decisions. This research took the object of CV Zam Zam Candimulyo jombang. The type of research used is quantitative research, the population in this study is customers who buy or order hijab at CV Zam Zam Candimulyo jombang which ranges from 150 people per month with a sample of 60 people. The results showed (1) the influence of the product has a partial influence on the decision to purchase hijab on CV Zam Zam Candimulyojombang (2) the influence of  price has a partial effect on the decision to purchase hijab on CV Zam Zam Candimulyo jombang (3) the influence of place has a partial influence on the decision to buy hijab on CV Zam Zam Candimulyo Jombang (4) the influence of promotion has a partial influence on the decision to purchase hijab on CV Zam Zam Candimulyo Jombang (5) the influence of the marketing mix has a simultaneous and significant influence on the decision to purchase hijab on CV Zam Zam Candimulyo Jombang.

This study aims to determine: (1) the effect of brand identity on brand trust at Bank Muamalat Kolaka Sub-branch. (2) brand awareness of the brand trust at Bank Muamalat Kolaka Sub-branch. This study uses a quantitative method approach. Collecting data in this study using literature, observation, questionnaires and documentation. The sample in this study was 100 customers of Bank Muamalat, Kolaka Branch. Testing the research instrument using the validity test and reliability test with SPSS. The data analysis technique used in this study is the measurement model test (outer model) and the structural model test (inner model) with Smart PLS. Based on the results of the study it is known that the first hypothesis, there is a positive and significant influence between constructs of brand identity variables on brand trust in Bank Muamalat Kolaka Sub-branch. The second hypothesis, there is a positive and significant influence between the construct variable brand awareness on brand trust of Bank Muamalat Kolaka Sub-branch.

Online marketing, also known as digital marketing, involves promoting products or services through digital mediums such as the Internet, mobile devices, and social platforms. It involves using different strategies to achieve business goals, such as increasing brand awareness, generating leads or customers, increasing sales, and building relationships. customer system. Phishing is a technique in which scammers attempt to trick victims into providing personal information such as passwords, credit card numbers, or other financial information by pretending to be a trustworthy organization through fake email or fake website.  

The development of the potential of MSMEs in Indonesia cannot be separated from banking support in distributing financing to MSME players. The role of BPR in developing community businesses, especially MSMEs, is to participate in providing financing to the community to develop their businesses. The aim of this research is to determine the effect of providing micro credit on the development of MSME customers of BPR TLM Kas Naikoten and to determine the difference in customer income before and after receiving credit. The research methodology used is a quantitative approach. The sample used was BPR TLM Kas Naikoten Micro Credit Customers from 2021 to 2022, totaling 79 respondents. The data analysis used in this research is simple linear regression analysis and comparison tests, with the help of SPSS version 24. The results of the research conducted show that the provision of microcredit has a significant effect on the development of MSME customers of PT. BPR TLM Cash Naikoten. The development of the Customer's business occurs in increasing business capital, increasing sales turnover, increasing income, expanding the business and increasing the workforce. And there is a significant difference in the income level of PT customers. BPR TLM Kas Naikoten before and after receiving microcredit. The average income of customers after receiving BPR TLM Kas Naikoten micro credit has increased, where the average income before receiving micro credit is IDR 2,912,063.29 and after receiving micro credit is IDR 3,589,506.33.