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The basic principle of knowing the customer is an important aspect in an insurance company. Insurance companies are required to have guidelines for the principle of knowing the customer in order to analyse prospective customers and monitor transactions made by customers. In the decision study that the author made as the object of research, the result is that the application of the customer principle has not been able to overcome the crime of money laundering. So the importance of internal supervision of the insurance company to more firmly apply the principle of knowing the customer so that then the crime of money laundering can be overcome. Money laundering is an act of disguising illegal actions and then turning them into assets that seem legal. There are many types of initial actions to commit money laundering offences. In this research are: 1) Can the application of the principle of knowing the customer overcome the crime of money laundering in Decision Number 538/Pid.Sus/2023/Pn.Jkt.Sel? (2) What are the obstacles faced in the application of the principle of knowing the customer in Decision Number 538/Pid.Sus/2023/Pn.Jkt.Sel? This research uses normative juridical research. The research approach used is the statutory approach method.

KUD Plongkowati Timur is located at Jalan Godong-Karangrayung, Grobogan Regency, which apart from operating in the savings and loan business unit, is also a distributor of fertilizer products produced by PT. Petrokima Gresik and PT. Pupuk Sriwidjaja Palembang. In running the fertilizer distributor business unit at KUD Plongkowati Timur, the process of recording purchase and sales transactions is not carried out using an integrated system in the database, all data is still recorded conventionally by the administration section, while the administration section's computer functions to create reports which are copied from notes provided by cashier so that data security is not guaranteed because the database is not yet integrated. Based on the problems that exist in the East Plongkowati KUD, the author would like to propose a design of a Fertilizer Inventory application system to be taken into consideration in helping speed up the process of recording purchase and sales transactions and can provide the information needed by the East Plongkowati KUD, Grobogan Regency in the form of purchase reports, sales reports, reports. suppliers, customer reports. So the design of the fertilizer inventory information system uses the Microsoft Visual Basic 6.0 programming language with a database from Microsoft Access 2007 and the design of reports from Crystal Report 7. It is hoped that making this application can be one of the efforts that can be made to overcome problems that often occur so that it can increase work effectiveness which of course will have an impact on improving the quality of service to customers.

The use of Brand Ambassadors is becoming increasingly popular in marketing strategies to influence customer behavior. This study aims to measure the role of Nicholas Saputra as a brand ambassador, consumer purchase intention for Kanzler Crispy Chicken Nugget, and the influence of the brand ambassador on purchase intention, focusing on followers of the Instagram account @temankanzler. Using brand ambassador and consumer behavior theories, this study involves two variables: Brand Ambassador (X), consisting of four dimensions (Popularity, Credibility, Attractiveness, Strength), and Purchase Intention (Y), which includes four dimensions (Transactional Intention, Referential Intention, Preferential Intention, Exploratory Intention). A quantitative method was applied through a survey of 71 respondents, analyzed using descriptive statistics and simple linear regression with SPSS. The results indicate that the mean perception of respondents for variables X and Y is 3.80 (agree). Validity and reliability tests confirm that all statement items are valid and reliable. Simple linear regression shows a positive and significant influence of the brand ambassador on purchase intention, with a determination coefficient (Adjusted R²) of 0.789, meaning that 78.9% of the variation in purchase intention is explained by the Brand Ambassador variable, while 21.1% is influenced by other factors.

This study aims to analyze the Public Relations (PR) communication strategy used by PT Gamelan Tour in building the company's positive image. This research applies the Two-Way Symmetric Communication theory developed by James E. Grunig and Todd Hunt, which emphasizes the importance of reciprocal communication between the company and the public. Through this approach, PT Gamelan Tour aims to listen to customer complaints, provide clear explanations,and resolve issues in a transparent and effective manner. Additionally, this study discusses various relevant communicationmanagementmodels,including thetwo-way symmetric model, which helps the company maintain mutually beneficial relationships with its customers. The research methodology uses a qualitative approach, collecting data through in-depth interviews with key stakeholders at PT Gamelan Tour, including Vania Nefrela Regar (Public Relations), Reva Agustina (Ticketing &Hotel), and the company's customers. This study adopts four steps of Public Relations strategy, which include: (1) defining the problem/facts to identify existing issues, (2) planning and programming to formulate effective communication strategies, (3) taking action and communicating to implement the planned strategies, and (4) evaluating the program to assess the success of its implementation and its impact on the company's image. The research findingsindicate that effective communication strategies, whether in the form of feedback, direct communication, or mutual understanding, can improve the company's image and strengthen relationships with customers.This studyalsohighlightstheimportanceofthoroughcommunication planning and consistent implementation to achieve the company's goals in building positive relationships with the public.

PayLater services are increasingly popular as a payment method that offers ease of transactions and financial flexibility for its users. However, this convenience can also increase consumptive behavior that has the potential to affect individual financial stability. This study aims to analyze the impact of PayLater service on consumption interest and lifestyle of PT Tripatra employees. This research uses a quantitative approach with a survey method. Data was collected through questionnaires distributed to PT Tripatra employees who use PayLater services. Data analysis was performed with descriptive statistical tests and linear regression to measure the relationship between PayLater usage, consumption behavior, and financial stability. The results showed that the PayLater service provided significant benefits in the ease of transactions and increased employee purchasing power. However, there is a positive correlation between the use of this service and an increase in consumptive behavior, including impulse purchases. This has the potential to reduce individual financial stability in the long run, especially for those who lack good financial literacy. Uncontrolled use of PayLater services can increase financial risk. Therefore, awareness and good financial literacy are needed so that the benefits of this service can be optimized without causing negative impacts. As a recommendation, companies are advised to provide financial education to their customers. 

This research was designed using Unified Modeling Language (UML) as a tool for visualizing system requirements. The system designed is expected to improve efficiency, accuracy and speed of service, thereby providing a better experience for customers and making it easier for Bank Sumut officers to manage registration data. The system development method used is waterfall. The research results show that the designed information system can automate various manual processes such as collecting prospective customer data, document validation, and managing account data. It is hoped that this management information system can be used to provide an overview of the applications that will be created to increase the Bank's operational productivity and minimize the potential for administrative errors, as well as supporting the digital transformation of Bank North Sumatra in facing competition in the banking sector.

This study aims to analyse and improve the efficiency of waiting lines in government institutions by identifying the reasons for the length of these lines, using modern technology, overcoming obstacles, and evaluating the impact of improvements on beneficiary satisfaction and service quality. The study is based on the descriptive analytical approach, and is based on a sample of 300 employees and customers. The results showed that improving the efficiency of waiting lines enhances beneficiary satisfaction and increases the efficiency of the institution by reducing waiting times and relieving pressure on beneficiaries, while lack of resources and ineffective technology hinder the implementation of effective management strategies. Based on these results, the study recommends increasing the number of employees, improving the technical infrastructure, adopting modern technology such as electronic reservation and electronic payment systems, enhancing training and awareness for employees, in addition to establishing an effective system for monitoring and evaluating performance to improve the efficiency of waiting lines and the quality of services provided.

Travel insurance provides financial protection for individuals during their trips, both domestically and internationally. With the increasing demand for travel insurance, insurance companies face challenges in efficiently managing claims. This study aims to develop a predictive model to classify whether an insurance policy will be claimed based on historical customer and transaction data. This research utilizes a dataset containing various features related to travel and policyholders, such as agent type, distribution channel, insurance product, travel duration, and premium amount. The methods used include data exploration, feature processing, and the application of machine learning algorithms such as Logistic Regression, Random Forest, and XGBoost. Experimental results indicate that the XGBoost model performs the best, achieving the highest accuracy compared to other models. With this predictive model, insurance companies can optimize claim evaluation processes, reduce fraud risks, and improve operational efficiency in handling travel insurance claims.

This research aims to explore how price and product quality influence purchasing decisions for Y.O.U cosmetics at Panda Lovely Jombang. Given the rapid growth of Indonesia's cosmetics market, Y.O.U has emerged as a local brand offering quality products at competitive prices. Panda Lovely, with its numerous branches across Java Island, is one of Y.O.U’s primary distributors. The study adopts a quantitative approach using associative methods, with data collected through questionnaires from 100 Panda Lovely Jombang customers. Multiple linear regression analysis was employed to examine the relationship between independent variables (price and product quality) and the dependent variable (purchase decisions). The findings reveal that both price and product quality, individually and combined, significantly impact purchasing decisions. Key factors influencing consumer choices include affordability, the alignment of quality with expected benefits, and product durability. This research offers valuable insights for both Panda Lovely managers and Y.O.U producers to refine marketing strategies that cater to consumer needs and preferences.

Customer churn is a major challenge in e-commerce, directly affecting revenue and profit. This study aims to develop a machine learning model using XGBoost to predict churn probability. To handle class imbalance, SMOTE was applied as a resampling method, and hyperparameter tuning was performed to enhance performance. The model was evaluated using the F2-score, prioritizing recall while maintaining precision. The results show that the XGBoost model with SMOTE achieves strong performance, with an F2-score of 0.849 on the tuned test data. This model can help businesses identify at-risk customers early, enabling proactive retention strategies.

Hotel booking cancellations pose significant challenges to the hospitality industry, affecting revenue management, demand forecasting, and operational efficiency. This study explores the application of machine learning techniques to predict hotel booking cancellations, leveraging structured data derived from hotel management systems. Various classification algorithms, including Random Forest, XGBoost, and LightGBM were evaluated to identify the most effective predictive model. The findings reveal that XGBoost model outperforms other models, achieving F2-score of 0.7897. Key influencing factors include deposit type, total number of special requests, and marketing segment. The results underscore the potential of predictive modeling in optimizing hotel revenue strategies by enabling proactive measures such as dynamic pricing, targeted customer engagement, and improved overbooking policies. This study contributes to the ongoing advancements in data-driven decision-making within the hospitality industry, offering insights into how machine learning can mitigate financial risks associated with booking cancellations.

In the current era of globalization, the business world is experiencing rapid growth, particularly in the culinary industry. This business is directly related to the basic human need for food, which is one of the fundamental necessities for survival. The influence of product quality and price on customer satisfaction at Mie Gacoan Dr. Mansyur Medan has become an interesting topic for research, considering the critical role these two factors play in maintaining and enhancing customer satisfaction. Customer satisfaction is crucial for ensuring repeat customers and building brand loyalty, which is particularly important in the highly competitive food industry. This study aims to determine the extent to which product quality and price affect customer satisfaction at Mie Gacoan in Medan, focusing on students of the Business Administration Department at Politeknik Negeri Medan as the research subjects. This study employs a quantitative research method with a descriptive approach, including tests for validity and reliability, classical assumptions, and hypothesis testing. The hypothesis testing includes t-tests, F-tests, and an analysis of the coefficient of determination (adjusted R square). By understanding the relationship between product quality, price, and customer satisfaction, this research aims to provide valuable insights for improving service strategies and pricing models in the culinary business, ultimately helping Mie Gacoan improve its customer satisfaction and competitive edge in the market.

The development of e-commerce has transformed companies’ marketing communication strategies, including CV. Rintis Usaha Bersama, which operates in the sales of medical and industrial gas cylinders. Increasing competition has driven the company to optimize its digital communication strategies to enhance sales and maintain its market competitiveness. An effective marketing communication strategy is essential in attracting customers and fostering their loyalty. Therefore, this study aims to analyze the marketing communication strategies of CV. Rintis Usaha Bersama through e-commerce and evaluate their effectiveness in boosting product sales.  This research employs a qualitative method with an in-depth interview approach involving the company’s management. The analysis is conducted using the SOSTAC model, which includes situation, objectives, strategy, tactics, action, and control in digital marketing strategies. The findings indicate that CV. Rintis Usaha Bersama implements the 4P marketing communication mix (product, price, place, promotion) through e-commerce platforms such as Shopee and Tokopedia. The strategies adopted include clear product information dissemination, transparent pricing, promotional discounts, paid advertising, and flash sale campaigns. However, the main challenges faced by the company include intense price competition and an increasing number of competitors in the e-commerce sector. To improve the effectiveness of marketing communication strategies, the company is advised to develop educational content about its products, enhance customer engagement through responsive services, and collaborate with influencers or affiliate marketers to expand its audience reach. Regular evaluations are also necessary to ensure the strategies remain relevant to the dynamic market trends. 

Optimizing distribution routes is an important step for MSMEs in increasing operational efficiency and customer satisfaction. This research was conducted on Bolen Crispy Mak Tin MSMEs which face distribution challenges with routes that are not yet optimal, causing increased transportation costs and the risk of decreasing product quality. This research uses the Branch and Bound and Nearest Neighbor algorithms to solve the Traveling Salesman Problem (TSP) problem in determining efficient distribution routes. The results of data processing are optimal routes that have the minimum distance with a total distance of 282.5 KM with route P-1-2-7-4-5-6-3-0 for the branch and Bound algorithm and 239 km with route P- 2-3-4-5-6-7-1-P for Nearest Neighbor This result is more optimal when compared to the previous route, namely P-1-2-3-4-5-6-7-P with a distance of 291 km analysis shows that Method Nearest Neighbor is able to provide an optimal solution by minimizing travel distance and distribution costs, while the Branch and Bound algorithm also provides an optimal solution but is less efficient. and distribution cost efficiency from Rp. 570,320.9 to 565,511.36 or 0.84% ​​more savings for the Branch and Bound Algorithm and 540,795.45 or 5.18% more savings for Nearest Neighbor

GoSend as an instant delivery service from Gojek plays an important role in meeting the demand for fast and reliable delivery. However, there are still challenges in terms of service quality, customer satisfaction, and competitiveness in the digital logistics industry. This study analyzes GoSend's electronic service quality attributes using the Kano Model to identify the factors that most influence customer satisfaction. The quantitative method is applied through a survey of 206 GoSend users in Semarang, with the integration of E-Servqual indicators and Kano Model attributes. The results of the study show that most service attributes fall into the "Indifferent" category, meaning they do not have a significant effect on customer satisfaction. However, attributes such as transaction data security and item conditions fall into the "One-Dimensional" category, so improvements in these aspects can increase customer satisfaction. The analysis of the Extent of Satisfaction (EOS) and Extent of Dissatisfaction (EOD) shows that responsiveness to complaints and service personalization still need to be improved. Based on these findings, strategic recommendations that can be given are increasing customer service responsiveness, optimizing compensation policies, and strengthening security systems to increase customer trust. The integration of the Kano Model with E-Servqual provides a comprehensive evaluation of the quality of digital logistics services while also being a guide for GoSend in increasing customer satisfaction and loyalty amidst increasingly fierce competition.

The purpose of this research is to analyze the opinions and perceptions of the community around the Medan Area District regarding the role of Pegadaian Syariah as a non-usury practice in increasing public financial access. This research is quantitative research. Data analysis was carried out by distributing questionnaires to the community around the Medan Area District both via E-Form and in person.  This research was carried out at Sukaramai Market, Medan Area District. The data collection instrument consists of interview observation and documentation. Collecting data, researchers also used several measuring tools to determine the interests of Sukaramai market traders, Medan Area District, namely Knowledge, Information, Interest. To find out what the surrounding community thinks in this research, the researcher used interviews, namely by interviewing 3 people from the community around the Sukaramai market who are customers of the AR Hakim Branch Pegadaian Syariah.

One of Halim Perdanakusuma Airport (HLP) units is the Terminal and Landside Service unit. Terminal Inspection Service (TIS) units in the unit and Customer Service (CS) have different job descriptions. However, at this HLP airport, some employees do work that is not part of their job description, namely TIS unit employees who do CS work, or vice versa. This condition indirectly impacts the workload and self-efficacy of employees in the TIS and CS units on work stress. This study aims to determine whether there is an influence between workload and work stress, the influence of self-efficacy on work stress, the influence of workload and self-efficacy simultaneously on work stress, and the coefficient of determination. This study uses a quantitative method with partial test hypothesis testing and simultaneous testing. Data was collected by distributing questionnaires containing 36 questions to 30 employees from the TIS and CS units. Before being distributed, the data had been validated and reliable. The data was then analyzed using the t-test (partial test), the f-test (simultaneous test), and the coefficient of determination. The study's results showed that (1) workload significantly affected work stress with a sig. Value of 0.000; (2) self-efficacy significantly affected work stress with a sig. Value of 0.000; (3) workload and self-efficacy simultaneously affected work stress with a sig. value of 0.000; and (4) the coefficient of determination obtained a result of 72.9%.

Marketplace or E-commerce is an internet-based online media as a place to conduct business activities and transactions between buyers and sellers. In the marketplace or e-commerce, buyers can search for as many suppliers as possible with the desired criteria so that they get the appropriate market price. Tokopedia is a marketplace based in Indonesia. The purpose of this study is to explain the role of brand image in mediating the influence of online customer reviews on purchasing decisions. This study was conducted in Denpasar City with a sample of 100 respondents using the non-probability sampling method with the purposive sampling technique. The data analysis technique used is the inferential analysis technique including confirmatory factor analysis (CFA), path analysis, Sobel test and VAF test. The results of this study indicate that online customer reviews have a positive and significant effect on purchasing decisions. Online customer reviews have a positive and significant effect on brand image. Brand image has a positive and significant effect on purchasing decisions. Brand image partially mediates the influence of online customer reviews on purchasing decisions for Tokopedia users in Denpasar City. The implications of this study can be used as consideration and input for Tokopedia in improving consumer purchasing decisions by considering the variables of online customer reviews and brand image.

ABSTRACT The growth of the both traditional and fast-food culinary sector has been rapid and to maintain consumer satisfaction, it is a crucial factor for determining the progress of culinary business growth. Therefore, the objective of the study is to examine the influence of prices, promotions, and quality of service on consumer satisfaction at McDonald's Restaurant Semarang. The data was collected through the completion of questionnaires and it was analysed by using the double linear regression. The research findings indicate that the factors of price, promotion, and quality of service affect significant impact on consumer satisfaction at McDonald's Restaurant Semarang. Through the partial test, it revealed that consumer satisfaction is significantly impacted by both promotion and quality of the service, while the price has no significant influence on customer satisfaction.   ABSTRAK Perkembangan industri kuliner terjadi dengan sangat pesat dan tidak terbatas pada makanan tradisional, namun juga restoran cepat saji. Kepuasan konsumen menjadi indikator penting dalam menentukan arah pengembangan bisnis kuliner. Tujuan riset ini ialah guna menganalisis dampak harga, promosi, dan kualitas pelayanan akan kepuasan konsumen restoran McDonald’s Semarang. Data diperoleh dari pengisian kuisioner dan dianalisis menggunakan regresi linear berganda. Keluaran penelitian mengunjukkan bahwa harga, promosi, dan kualitas pelayanan mempunyai dampak signifikan secara simultan akan kepuasan konsumen restoran McDonald’s Semarang. Uji Parsial (Uji t) mendapati bahwa promosi dan kualitas pelayanan mempunyai dampak signifikan akan kepuasan konsumen sementara harga tidak mempunyai dampak signifikan akan kepuasan konsumen.  

The aim of this research is to determine and analyze the influence of Price and Promotion on Consumer Interest (Case Study at Hisana Fried Chicken Rajawali Medan. The research method used is exploratory research, where variables are measured using a Likert scale. Data collection methods are carried out by (interviews), with a list of questions (questionnaires) and documentation studies. The population in this study is all consumers on HFC Jalan Rajawali Medan.. totaling 100 people. Sample collection was carried out using the saturated sampling method or better known as census. In this study, the population was relatively small, namely 100 people. Data processing used SPSS version 23 software, with descriptive analysis and multiple regression hypothesis testing; (3) simultaneously there is a positive and significant influence between experimental marketing variables and customer satisfaction on experimental marketing and customer satisfaction on repurchase interest in HFC Jalan Rajawali Medan.