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The existence of organizations such as Islamic financial institutions that help improve the welfare of society according to their function, namely saving money and providing loan assistance for business capital and comsumtions. There are various types of LKM, one of which is cooperatives. This study aims to determine the..influence of social factors and./personal factors on people’s decisions to use the services of KSU Surya Muhammadiyah, either partially or simultaneously. This Study used a quantitative method using 50 samples taken by purposive sampling method from the KSU Surya Muhammadiyah customer population. Data collection technique were interviews, observation, questionnaires, and documentations. Then, the questionnaires were tested with validity and reliability tests to ensure the accuracy of the questionnaires. Furthermore, classical asumption tests and hypothesis tests were carried out including multiple,,linearregression tests, the coefficient of determination (R2), t-tes, .and F-test. The results of this study are as.follows: (1) social factors have effect on people’s decitions to use services of KSU Surya Muhammadiyah, with a t .count of 2,254 while .t table of 2,012 or t count < t table..and a significance level of 0,026 > 0,05. (2) personal factors influence people’s decitions to use the services of KSU Surya Muhammadiyah, with a t count of 3,093 while t table is 2,012 or tcount > t table and asignificance level of 0,003 < 0,05. (3) social and personal factors simultaneously influence the community’s decition to use the services of KSU Surya Muhammadiyah. Where the sigvalue is 0,000 < 0,005 and F count is 79,385 > F table 3,20. It can be concluded fromthe test results, namely: (1) H1 is accepted,,and H0 is rejected, (2) H2 is a accepted and H0 isrejected, (3) H3 is accepted and H0 is rejected. If the number of customers decreases, it is necessary topay attention tothese factors anything that can influence customer interest in choosing at KSU Surya Muhammadiyah Pematang Kolim Village

Analysis of the marketing strategy for Pos Express services at PT. Pos Indonesia (Persero) in South Jakarta is a study that aims to understand and analyze the marketing strategy implemented by PT. Pos Indonesia (Persero) to promote Pos Express services in the South Jakarta area. In this study, an analysis of the market and competitors, market segmentation, targeting and positioning is carried out. The results of this analysis are then used to formulate an appropriate marketing strategy to increase the number of Pos Express subscribers in the South Jakarta area. The results of this study indicate that PT. Pos Indonesia (Persero) has a sizable opportunity to expand the Pos Express service market in South Jakarta by optimizing the use of technology and improving service quality. In addition, PT. Pos Indonesia (Persero) needs to carry out more effective promotions to attract new customers and retain old customers. The marketing strategies recommended in this study include: improving the quality of Pos Express services, offering competitive prices, increasing promotion and branding, optimizing the use of technology and innovation, and improving the quality of customer service. By implementing the right marketing strategy, PT. Pos Indonesia (Persero) is expected to increase market share and maintain its superiority in the courier and logistics industry in Indonesia, especially in the South Jakarta area.

This study aims to determine the influence of Digital Marketing and Personal Selling to Decision Purchasing Insurance Policy PT. Askrindo Sorong Branch. This study has two independen variables is Digital Marketing and Personal Selling, while the dependent variable is Decision Purchasing The method used in this research is quantitative method with descriptive approach using data analisys, namely multiple linear regression analysis. Data were obtained by questioners that spread out to 60 customers of PT. Askrindo Sorong Branch which purchasing insurance policy (especially on Fire Insurance Policies). The sampling technique in this study is to purposive sampling approach. The result of the study concluded that Digital Marketing and Personal Selling partially and simultaneously had an effect on Decision Purchasing. The test results showed that the Personal Selling was the most dominant in this study. The coefficient of determination (R2) is equal to 0.283 or 28,3% the independent variables of digital marketing and personal selling affect a 28,3% on the dependent variable. While for the rest, 71,7% influenced or explained by other variabels not include in this study.

The development of a Website-Based Sarto Sapi Kiosk Sales System in writing this thesis is carried out to improve efficiency and service quality in the process of selling Sarto Sapi kiosk products, and to explain the importance of adopting website technology in the sales business to increase accessibility and convenience for customers. The goal of this development is to create a sales system that is responsive, intuitive and integrated with the inventory system. The development method used includes analysis of user needs, responsive user interface design, and integration with an accurate inventory system. The result of this development is a website-based Sarto Sapi kiosk sales system that is equipped with product search features, shopping carts, and a secure online payment system. This system also allows kiosk owners to manage and update products, as well as track sales and financial reports. The output of this development is increased operational efficiency and growth of the Sarto Sapi kiosk business through the adoption of modern website technology..

The development of a Website-Based Sarto Sapi Kiosk Sales System in writing this thesis is carried out to improve efficiency and service quality in the process of selling Sarto Sapi kiosk products, and to explain the importance of adopting website technology in the sales business to increase accessibility and convenience for customers. The goal of this development is to create a sales system that is responsive, intuitive and integrated with the inventory system. The development method used includes analysis of user needs, responsive user interface design, and integration with an accurate inventory system. The result of this development is a website-based Sarto Sapi kiosk sales system that is equipped with product search features, shopping carts, and a secure online payment system. This system also allows kiosk owners to manage and update products, as well as track sales and financial reports. The output of this development is increased operational efficiency and growth of the Sarto Sapi kiosk business through the adoption of modern website technology..

The aim of this study was to evaluate brand awareness, customer happiness, and customer experience in relation to consumer loyalty to Aminda Skin Care at the Makassar Branch. The population of the study consists of Aminda Skin Care customers. The sample for the study consisted of 96 individuals, and information was gathered using a questionnaire. The data are analysed using SPSS 20 after the hypothesis is tested using multiple linear regression analysis. The results of this study indicate that customer experience has little impact on loyalty. Brand recognition and customer satisfaction have a significant impact on consumer loyalty.    

This study aims to determine the Effect of Price on Switching Barrier, Trust in brand on Switching Barrier and to determine the Effect of Price, Switching Barrier and Trust in Brand on Customer Loyalty (Survey on customers of PT. Sinar Niaga Sejahtera Garudafood Depo Tasikmalaya Distribution Division). The method used in this research is quantitative method, the research sample is 80 respondents and the analytical tool used in this research is path analysis using SPSS version 25. The method of determining the sample uses probability sampling. The results of this study indicate that the price has a significant effect on the Switching Barrier; Trust in Brand has a significant effect on Switching Barrier; Price, Switching Barrier and Trust in Brand simultaneously have a significant effect on Customer Loyalty; Price partially has no significant effect on customer loyalty; Switching Barrier partially has a significant effect on Customer Loyalty; Trust in Brand partially has a significant effect on Customer Loyalty; Price through Switching Barrier has a significant effect on Customer Loyalty; Trust in Brand through Switching Barrier has no significant effect on Customer Loyalty.

The purpose of this study was to analyze the effect of service quality, facilities and ease of access on customer satisfaction at Jenderal Ahmad Yani International Airport, Semarang. The population is all customers who travel through Jenderal Ahmad Yani International Airport, Semarang. The sample in this study used probability sampling, with a total sample of 100 respondents.The results showed that service quality had a significant positive effect on customer satisfaction (t count = 5.201 > t table = 1.658 and a significance number = 0.000 <  = 0.05). Thus, the hypothesis (H1) is that service quality has a positive effect on customer satisfaction. Facilities have a significant positive effect on customer satisfaction (t count = 2.653 > t table = 1.658 and a significance number = 0.009 <  = 0.05). Thus, the hypothesis (H2) is that facilities have a positive effect on customer satisfaction. Ease of access has a significant positive effect on customer satisfaction (t count = 3.206 > t table = 1.658 and a significance number = 0.002 <  = 0.05). Thus, the hypothesis (H3) is that ease of access has a positive effect on customer satisfaction.The regression coefficient β1 = 0.432, (signed positive) means that the better the service quality, the higher the customer satisfaction. The regression coefficient β2 = 0.222, (signed positive) means that the better the facilities provided, the higher the customer satisfaction. The regression coefficient β3 = 0.264 (signed positive) means that if the ease of access is good, the customer satisfaction will be higher at Jenderal Ahmad Yani Airport, Semarang.

The background of this thesis is that it starts from the rapid growth of information technology-based lending service providers, apparently not balanced with adequate education to the public, causing various effects / risks that arise from the many kinds of online loans and there are still many unregistered or illegal organizing companies found as well as the potential for leaking user personal data that can be misused by the organizing company or another party One of the platforms is the Smart Credit App.   The problems that the author raises in this study are How to Arrange Online Loans on the Smart Credit Application, How are the Losses arising from online borrowing of the Smart Credit Application and How is the Responsibility of the Smart Credit Application for Losses from Customers. The research method used by the author in answering problems is Normative Juridical Research where the author tries to examine problems with existing legal rules and uses the literature study method in collecting existing legal materials. The conclusion of this thesis research is that Online Loans through the Smart “Credit Application in the people of Semarang City are regulated in Article 1320 of the Civil Code which in essence stipulates thatagreements made online must still meet the legal requirements of an agreement. The implementation is regulated in POJK regulation 77/2016 concerning Technology-based Loan Services. Customer protection in online loan agreements can be found in the Consumer Protection Law in article 7 which regulates the Obligations of Business Actors, then Article 8 which regulates things that are prohibited from being done by Business Actors, and Article 18 which regulates the provisions of matters related to the Standard Clause. ITE Law, where in Article 11 and Article 17 of the ITE Law regulates matters related to the validity of electronic agreements, OJK Regulation Number 77 / POJK / 2016 concerning Services of a Loan in the form of Money Based on Information Technology which is regulated through article 18 concerning the Form and Structure of online loan agreements. The disadvantage that often arises from the Smart Credit Application is the dissemination of personal data carried out by the Smart Credit Application because the Debtor does not make payments on time, so the debt Collector uses techniques to use the dissemination of personal data to pressure the Debtor to immediately make payments, Juridical Responsibility The Kredit Pintar application for actions committed for defamation can be held civil liability through a Tort Lawsuit as stipulated in article” 1365 of the Civil Code filed by Customers who feel aggrieved because their identity is used in the misuse of personal data.   Keywords : Online Loans, Smart Credit Applications.

The goal of this study is to ascertain how digital entrepreneurship strategies are applied by online business organizations in West Java from an Islamic perspective. This is a field research with a qualitative approach and descriptive qualitative approaches. Data were gathered through interviews, observations, documentation, and literature searches. Data analysis approaches make use of inventory or data collection, identification, analysis, and interpretation. The study's conclusions show that the four tenets of client orientation, transparency, fair competition, and fairness serve as the foundation for the digital entrepreneurship strategy employed by online business firms in West Java. The customer-oriented philosophy is first put into practice by providing polite, soft, and friendly service and by always being prepared to offer solutions. Second, the concept of openness is put into practice, and product specifications are truly communicated. Third, the idea of fair competition is put into practice through prompt delivery, no-cost advice, special offers, and higher-quality products. Fourth, the concept of fairness is put into practice by treating customers fairly and providing them with benefits.    

Administrative and banking services at PT. Bank BRI Unit Aek Kanopan (Labura) has 2 services consisting of teller services and customer service services. Teller services and customer service services often experience queues of customers coming and making service transactions. This study aims to determine the optimal level of the queuing system for teller service and customer service with the help of C Sharp application. This study discusses the shape of the queuing model. The queuing model used is Multi Channel-Multi Phase with the control notation type (M/G/2)∶ (FIFO/∞/∞). The Multi Channel-Multi Phase model is a multi-stage multiple-line queuing system method. With a FIFO (First in first out) service pattern, namely first come first served earlier and earlier out. The results of this study are based on the results of calculating arrival patterns and service time patterns, there are 2 parts to the research results consisting of teller services and customer service services. In teller service, the average customer arrival (λ) is 1.48 customers per minute, the average customer that can be served (μ) is 5.12 customers that can be served per minute, and the average level of service intensity ( ρ) is 3.78 < 1. Furthermore, in customer service, the average customer who comes (λ) is 0.83 customers who come per minute, the average customer who can be served (μ) is 0.01035 customers that can be served per minute, and the average level of service intensity (ρ) is 0.015 < 1. Based on the results of the analysis of the queue system for teller service and customer service, it can be concluded that the optimal level of teller service and customer service can be said to be sufficient effective and optimal. In order to make the service more effective, add one service line or service facilities for both services.

The pharmacy is a pharmaceutical service facility where pharmacists practice pharmacy. In this case the pharmacist is responsible for creating good service quality according to consumer expectations and satisfaction with services. Customer satisfaction is the key to the success of a business. Satisfied customers will become loyal customers. They will tend to make repeat purchases and become product promoters, which in turn will increase the pharmacy's revenue. The purpose of writing this scientific article is to find out and review from a theoretical point of view various literature and how to analyze the quality of franchise pharmacy services on customer quality. The method used is a theoretical review by analyzing and comparing existing theories. The results of this theoretical review, namely the analysis of pharmacy quality on customer satisfaction is influenced by product quality, service quality, price, emotional factors and cost easiness. It was concluded that after being analyzed from various theories and literature, customer satisfaction is one indicator that is widely used in measuring the service quality of a product, both goods and services. Service quality can also affect customer loyalty directly and affect customer loyalty indirectly through satisfaction. Customer satisfaction is strongly influenced by the quality of pharmacy services. For pharmacies that provide pharmaceutical services, it is also necessary to improve service quality standards. One important aspect that needs to be considered to maintain the consistency of pharmaceutical services is to maintain the attributes of each dimension of service quality provided to customers. Customers will be satisfied if their needs are met according to their expectations. In addition, it is also necessary to evaluate each service activity.

The current digital era has an impact on e-commerce businesses. This also has an impact on the growth of logistics transportation companies to meet customer needs. Graha Trans experienced a positive impact from the booming e-commerce business. Quality assurance is needed to measure the success of a logistics transportation company and become a reference for improvement. The research method used is a literature study by collecting various related references related to the development of the quality of Graha Trans's logistics transportation. The results of the research are that Graha Trans carries out quality assurance by providing periodic checks on vehicles, providing training for employees to carry out standard operating procedures and creating services that make it easier for customers to track goods.

The Jakarta Integrated Moda Raya Raya train (MRT), is one of the transportation options for the people of Jakarta in their activities. Inaugurated on March 24, 2019, several problems were complained about by passengers, namely regarding the perception of ease of transactions and customer value. Satisfaction with Perceived Ease of Transaction such as easy to learn, easy to use, clear, easy to understand, skillful, and easy to use. Satisfaction with Customer Value paid is due to added value, suitability of costs with benefits, ease of obtaining services. This research is intended for Jakarta MRT customers to have significant simultaneous satisfaction for using the Jakarta Integrated Moda Raya Train (MRT) according to Ticket Prices, Facilities and Perceptions of Ease of Transaction. Satisfaction of passengers of the Jakarta Integrated Moda Raya Train (MRT) on Perceptions of Transaction Ease and Customer Value which are jointly perceived, namely punctuality satisfaction, facility completeness satisfaction, price suitability satisfaction, departure schedule satisfaction, and function and facility satisfaction. This research was also conducted to find out how the quality of service or service, the perception of the price of MRT transportation services, and how the facilities on the MRT. Whether and how important service quality plays a role in the level of satisfaction of MRT passengers. The research method used in this research is descriptive research which is one type of quantitative research approach. This study uses a questionnaire distribution of questionnaires to 20 users or who have used MRT transportation services. In the questionnaire we provide choices about the quality of station facilities, train units, service quality, timeliness of departure, and how the fare is adjusted for MRT transportation services. In the study we found that service quality plays a very important role in the level of satisfaction of MRT passengers.

Productivity is something that many companies want to achieve, which will later affect the company's output in the form of results obtained, one of which is company profit, productivity is an indicator of employee performance at PT. XYZ, measured by the number of results obtained from daily activities which will impact on work results which will later be used as billing equipment for work results to customers. Taking a sample of employees in the report generation unit, the result is that the more working hours that employees go through will affect productivity the following day, this is due to employee eye fatigue working on reports in front of a computer screen. The more hours worked with additional overtime hours, the productivity will decrease.

Business in the field of selling laboratory coats is intended to make it easy for analysts and student analysts to obtain laboratory coats, with good quality and affordable prices. Marketing mix is very important in the current situation where trade competition is getting tighter. With the marketing mix, we can find out the elements of the lab coat business in more detail. The method used in this research is literature study, namely by searching various written sources, both in the form of journals, archives, magazines, books, articles, and relevant documents so that the information obtained from the literature study is used as a reference. to strengthen existing arguments. Sales of laboratory coats must provide quality products at affordable prices. The application of mix marketing aims to maintain and optimize product quality, obtain competitive prices in the market, increase sales onset and increase the number of customers.

Improving public services becomes an inevitability for government agencies as public service organizers. No exception for Tirta Moedal Drinking Water Perumda Semarang City, as a Regional Owned Enterprise (BUMD) is also inseparable from the demands of improving the quality of service to customers. Customer service innovation is a response to service problems that do not satisfy the community as customers. Customer dissatisfaction with customer complaints, information services and new connect services is very dominant for customer complaints. The Community Satisfaction Index (IKM) is one of the indicators of accountability for service performance in the public sector that cannot be ignored. The Community Satisfaction Index is an evaluation of the community as a customer for the performance of services provided to the community as customers that should be the basis for each service provider institution to make adjustments to customer expectations and service innovation. The rapid development of information technology also increases public awareness of its right to good service.

In this increasingly difficult economic situation, there is a lot of competition in various fields, including competition in the business world. Many companies are competing to gain market share, so this spurs companies to strive to continue to progress in improving their business management. In addition, companies are starting to change their view from one that is product or service oriented, to a customer oriented view. One strategy that can be used by companies is to build customer loyalty. Customer loyalty is needed to ensure the company's future. Maintaining customer loyalty is absolutely necessary for a company to survive and be able to compete with other companies.

Nur Aisyah Pasaribu. 2022. Analysis of the Impact of Micro Credit on the Development of Micro Enterprises in Central Tapanuli Regency (Case Study of Customers of Ksp CU Pardomuan Pakkat Barus Branch) . Thesis : Corporate Management Study Program STIE Al Washliyah Sibolga Central Tapanuli. This study aims to determine the impact of micro-credit on the development of micro-enterprises in Central Tapanuli Regency (Case Study of Customers of Ksp CU Pardomuan Pakkat Barus Branch). The population and sample of this research are Ksp CU customers having their address in Barus sub-district as many as 30 people. The research method used is a quantitative method with a descriptive approach, the data collection technique is a questionnaire using a Likert scale while the test used is Data Analysis Test. The results showed that the impact of Micro credit (X) on Micro Business Development (Y) was tcount 3,768 > ttable 2,059, it means that the null hypothesis (H0) is rejected and it can be concluded that microcredit (X) partially has a positive effect on development. micro enterprise (Y). With the regression equation Y = 20.309 - 0.543 X, this means that there is an influence on the dependent variable (Development of micro-enterprises) determined by the independent variable (micro-credit), with a coefficient of determination of 0.336, practically it can be said that the contribution of micro-credit (X) on the development of micro-enterprises (Y) is 33.6%, the remaining 66.4% is influenced by other variables not examined in this study.

Gold Savings is a gold balance deposit service that makes it easier for people to invest in gold savings. Gold savings are one type of investment that is in great demand by the public. This study aims to determine whether or not there is an effect of income, knowledge and quality of service on customer interest in saving gold. This research method is quantitative with multiple linear regression analysis as the analysis tool. The population in this study was 336 respondents, the sample was determined using the slovin formula, the sample in this study was 77 respondents and this research was conducted on customers of the Sharia Pawnshop Unit of UIN Sulthan Thaha Saifuddin Jambi. The results of this study indicate that the results of the F-test of income, knowledge and service quality variables together have a significant effect on customer interest in saving gold, by t-test income does not significantly affect customer interest in saving gold, knowledge has a significant effect on customer interest. saving gold and service quality significantly influence customer interest in saving gold.