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The population and at the same time being the sample in this study are the debtors of Bank BRI Unit Bolu. Then the sampling to obtain information about the objects of this research is by means of homogeneous sampling in which the elements of the population studied have properties that are relatively uniform to one another. The samples taken in this study were 50 debtors. This study uses a quantitative descriptive approach in the form of questionnaires to debtors about credit granting procedures. Data collection techniques used were interviews, observations, and questionnaires. Data analysis techniques used are data percentage, data reduction, and data descriptive. The results showed that from the 5C assessment at Bank BRI Unit Bolu, it could be concluded that the distribution of People's Business Credit (KUR) was fully in accordance with the standards set by Bank BRI Unit Bolu, which can be seen from the results of the questionnaire obtained from 50 customers who were at a percentage value of 70% - 100%.  

This research discuesses the loss of Green Marketing, Social Media Marketing, and Promotion of Purchase Decisions in Mekar Swalayan Kediri. this research aims to find out the result of the influence of green marketing, sosial media marketing, and promotion on purchasing decisions in Mekar Swalayan Kediri. the method in this research in quantitative. Data collection techniques using primary data and secondary data. Sampling in this study using purposive sampling teachnique with 99 customers. Data processing uses validity test, reliability test, classic assumption test, multiple linear regression, t test, F test, and the coefficient of determination (R2). There is a partial effect between Green Marketing on Purchase Decision where the results of the t test obtained a significant value of 0,009 < 0,05. There is a partial effect between Social Media Marketing on Purchase Decision where the results of the t test show a significance value of 0,011 < 0,05. There is a partial effect between Promotion on Purchase Decision wehere the results of the t test obtained a significance value of 0,002 < 0,05. There is a simultaneous effect of Green Marketing, Social Media Marketing, and Promotion on Purchase Decision where the results of the F test get a significance value of 0,000 < 0,05.

The purpose of this study was to determine the effect of product, promotion and service quality on the decision to become a customer at Bank Syariah Indonesia KC Kuala Simpang. The type of research used in this study is quantitative. The data collection technique used is a questionnaire. The population in this study were all customers at Bank Syariah Indonesia (BSI) KC Kuala Simpang, which at the end of 2019 totaled 1242 customers, while the sample in this study totaled 93 people. Data analysis techniques using the classical assumption test, multiple linear regression test, hypothesis testing and coefficient of determination test. The results of the study show that the product influences the decision to become a customer at Bank Syariah Indonesia KC Kuala Simpang. This is evidenced by the sig value of the product variable, namely 0.006 <0.05 (significance level) and the t-count value of 3.932 > 1.9869 (t-table). Promotion influences the decision to become a customer at Bank Syariah Indonesia KC Kuala Simpang. This is evidenced by the sig value of the promotion variable, which is 0.019 <0.05 (significance level) and the t-count value is 2.531 > 1.9869 (t-table). Service quality influences the decision to become a customer at Bank Syariah Indonesia KC Kuala Simpang. This is evidenced by the sig value of the service quality variable, which is 0.025 <0.05 (significance level) and the t-count value is 2.145 > 1.9869 (t-table). Products, promotions and service quality simultaneously influence the decision to become a customer at Bank Syariah Indonesia KC Kuala Simpang. This is proven based on the results of the F test obtained a sig value of 0.000 <0.05 (significant level α) and F count of 7.814 and it is known that df1 = k-1 = 4-1 = 3 and df2 = N-k = 93-4 = 89 ( F table = 2.71). So that F count > F table (7.814 > 2.71).

Socio-economic relations are everything related to economic actions in meeting community needs such as clothing, food and shelter. In meeting economic needs, a person no longer looks at differences in ethnicity, race or religion. Kijang Island Village is the capital of Reteh District with land used as a coconut plantation by coconut farmers. The phenomenon that occurs is that farmers prioritize selling their harvest to tokeh in Kijang Island Village. This cannot be separated from the influence of a tokeh who is highly trusted by the community so that coconut farmers are very dependent on selling their harvest to the tokeh. The aim of this research is to find out about the socio-economic relations between farmers and coconut tokeh in Pulau Kijang Village, Reteh District, Indragiri Hilir Regency, Riau Province, as well as to find out the cooperative relationship between farmers and coconut tokeh in Pulau Kijang Village, Reteh District, Indragiri Hilir Regency, Riau Province. . In this study the method used was qualitative by checking the validity of the data using triangulation techniques. The results of the research show that the socio-economic relationship between farmers and coconut tokeh occurs because they have the same relationship goals, namely the goal of needing each other's help in buying and selling and receivables and tokeh needs farmers to become regular customers.

This research aims to determine the effect of service quality and customer satisfaction on customer loyalty and also aims to increase customer loyalty. This research used customers of Bank Syariah Indonesia KCP Medan Iskandar Muda 1 in Medan City as respondents in filling out the questionnaire as many as 170 customers. The tests used in this research are data quality tests, classical assumption tests, influence tests and hypothesis tests. From the results of this research, it was found that the influence of service quality on customer loyalty is a significant influence where the significance value is 0.001 < 0.05 and tcount is greater than ttable (3.245 > 1.653), the influence of customer satisfaction on customer loyalty also has a significant influence where the significance value is 0.000 < 0.05 and tcount is greater than the table (3.742 > 1.653) and simultaneously service quality and customer satisfaction have a significant effect on customer loyalty where the significance value is 0.000 < 0.05 and fcount is greater than ftable (23.982 > 3.05). Meanwhile, the R2 value of 22.3% of this research is influenced by service quality and customer satisfaction variables, while the remaining 77.7% is influenced by service quality and customer satisfaction variables. influenced by other variables not examined in this study.

This research aims to partially and simultaneously explain the influence of price discounts and business communication on customer loyalty in purchasing Tofu Sticks at the Aqia Kediri Store. This type of research uses quantitative research. Data sources use primary data and secondary data. The sample in the research was 87 customers who purchased Toko Aqia Kediri's Tofu Stick using purposive sampling technique. The analysis techniques used are validity test, reliability test, normality test, linearity test, multicollinearity test, heteroscedasticity test, t test, F test, multiple linear regression analysis, t test, F test and coefficient of determination (R2) test using the SPSS program version 25. The results of this research are that partially the price discount variables and business communication have a positive and significant effect on customer loyalty in buying tofu sticks at the Aqia Kediri Store. Simultaneously, the variables of price discounts and business communication have a significant effect on customer loyalty in purchasing tofu sticks at the Aqia Kediri Store.

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.

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.

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.    

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 target audience for this Science and Technology Application Program is the Nurimas batik making group which has 11 members and is located in Pajerukan Village, Kalibagor District. The emergence of this group was triggered by the large demand for batik products in Kalibagor District in particular and in Banyumas Regency in general which has not been served, namely 10,020 people from school students, teachers and employees within the Kalibagor District. School students, teachers and employees in Banyumas Regency are generally required to wear batik clothing 2-3 days a week. Meanwhile, the Nurimas Batik group is the only batik craftsman from the Kalibagor District area. The partners' main problems are that many of the production equipment is no longer suitable and there is a lack of capital due to the Covid 19 pandemic, the partners have not started a business in promoting their products to potential customers, the partners have not mastered the online marketing or sales of their batik, the partners do not understand group management. which is good, the partners do not implement order in their group's administrative records, the batik motif designs of the batik-making partners are still simple and not yet varied, their mastery of business management is still lacking and they do not carry out standardized bookkeeping. This activity has resulted in an increase in equipment and production materials owned by partners, increased sales, the ability to market on-line, increased partner mastery of group management and administration, results of administering activities, group financial reports, and scientific articles. In order to obtain the specified goals and outcomes, the team carries out outreach programs to partners, practice and mentoring. The method used to evaluate is to compare the level of knowledge with capabilities and production results. Then compare marketing activities before the Science and Technology Application service program and after.

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.

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.