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This study examines the impact of implementing E-Business systems on Micro, Small, and Medium Enterprises (UMKM) in Indonesia, highlighting the challenges and opportunities presented by the digital era. The aim of this research is to identify the benefits of E-Business for UMKM, assess the barriers to its adoption, and propose strategies for effective implementation. A qualitative research method was employed, utilizing literature review and thematic analysis to gather relevant data from various sources. The findings indicate that E-Business can significantly enhance market access, operational efficiency, and customer satisfaction for UMKM. However, challenges such as limited knowledge and technological resources hinder effective implementation. This study concludes that UMKM should invest in training programs to improve digital skills and collaborate with the private sector to enhance digital infrastructure. It is recommended that UMKM focus on creative content development and engage with younger generations for effective marketing through social media.

This community service aims to increase the competitiveness and visibility of Kedai Gading Serpong MSMEs through the creation of offline promotional media and the addition of locations on Google Maps. Within ± 2 months, the community service team provided promotional assistance in the form of banner redesign, menu creation, and location improvements on Google Maps. Through the planning, implementation, and evaluation stages, the program has succeeded in improving the professionalism and accessibility of store customers. As a result, the increase in visibility and attractiveness of the store can be seen through the installation of banners, menu posts, and the addition of locations on Google Maps. Kedai Gading Serpong positively welcomed this program, showing success in improving promotions and services. In conclusion, the combination of offline and digital promotion is effective in developing MSMEs in the era of fierce market competition.

This research aims to analyze effective digital marketing strategies in increasing sales of bag products on e-commerce platforms. In the digital era, the use of technology and online platforms is the main key for business actors to reach a wider range of consumers. This study identified various digital marketing techniques such as search engine optimization (SEO), marketing via social media, paid advertising (PPC), content marketing, as well as the use of influencer marketing. Additionally, data-driven personalization strategies and consumer behavior analysis are also discussed to improve customer experience and sales conversion. The combination of an attractive content strategy, use of data analytics technology, and consistent interaction with consumers can have a positive impact on sales of bag products on e-commerce platforms. These findings provide guidance for business actors in designing more effective and targeted digital campaigns. This research is descriptive research with a qualitative approach with the research object being digital marketing strategies to increase bag sales in e-commerce. Data types are primary data and secondary data. Primary data is data collected directly by researchers or data practitioners in the field. Meanwhile secondary data is a type of data collected from previously existing data. Data sources will be taken from documents, interview results, and results from observations. By means of private chat/message between the researcher as interviewer and the informant.

BNI Fleksi Credit is a KTA facility offered to employees with fixed income for consumption purposes. The procedure for granting BNI Fleksi credit by Bank BNI Branch. Fatmawati still has problems, one of which is not providing physical collateral and there are still prospective debtors who do not understand the terms and conditions in applying for BNI Fleksi credit facilities. The purpose of this study is to find out what are the terms and conditions in applying for BNI Fleksi credit, to find out how the implementation of BNI Fleksi credit provision, to understand the various obstacles in the process of granting BNI Fleksi credit by Bank BNI Fatmawati Branch. The study method used is descriptive qualitative method. The result of the study shows that, 1) BNI Fleksi credit that has been implemented runs quite well and has been in accordance with the procedures and provisions, however, there are still some obstacles faced, one of which is the completeness of document requirements as support in the process of granting BNI Fleksi credit has not met the requirements. 2) In BI Checking, there are still prospective debtors who have arrears at various banks. 3) BNI Flexi Credit customers experience delays in paying principal and interest installments due to the company being late in paying salaries to employees, this has an impact on installment payments and the occurrence of collectibility which is the possibility of not receiving back the loan that has been given. 4) Refusal to provide BNI Flexion to prospective debtors because they do not guarantee themselves with credit insurance that can protect the risk of inability to pay, death, bankruptcy, termination of employment, repayment of remaining credit interest and arrears, and also simplify the loan application process.

This study analyzes the influence of ease of use and security on customer satisfaction with the mobile banking services of Bank Sumsel Babel Syariah, particularly among students of the Faculty of Islamic Economics and Business at UIN Raden Fatah Palembang. Using a quantitative approach, data were collected through questionnaires from 100 respondents. The results indicate that ease of use does not have a significant effect, while security has a positive and significant impact. Collectively, ease of use, security, and trust contribute 78.5% to customer satisfaction variability. The study recommends enhancing security systems and usability of the mobile banking application, as well as educating customers on safe usage practices.

This research aims to identify and analyze digital marketing strategies that are effective in increasing product sales in the online market. The research methods used include actor surveys of local businesses, and data analysis from digital platforms. Research results show that the use of social media, search engine optimization and content marketing play an important role in expanding market reach and attracting potential customers. Integrating e-commerce with digital marketing strategies such as paid advertising (PPC), email marketing, and influencer marketing has also proven effective in increasing sales. And the use of platforms such as Instagram, Shopee, TikTok has also been proven to increase sales in this digital era

I nternship is an essential part of the educational process that provides students with the opportunity to gain practical experience in the workplace. This study aims to evaluate the experience gained during the internship at PT. Pegadaian (Persero) UCP Kapasan, which took place from July 8 to November 8, 2024. During the internship period, participants gained insight into the management of Pegadaian’s products, organizational skills, teamwork, as well as communication and customer service. Additionally, the interns gained experience in marketing products and processing customer data. This internship experience helped participants develop interpersonal skills, accuracy, and work discipline. The results of this internship activity provide valuable insights for improving internship programs in the future.

This research aims to analyze the influence of Brand Image and Product Quality on Repurchase Intention which is mediated by Customer Satisfaction in Maxx Coffee Customers. This research involved 120 respondents selected using convenience sampling techniques. Data collection was carried out through a cross-sectional questionnaire or one shot study. The research instrument was tested for validity and reliability. Data analysis was carried out using verification analysis including multiple regression analysis and Sobel test. The research results show that Brand Image has a positive and significant effect on Customer Satisfaction, Product Quality has a positive and significant effect on Customer Satisfaction, Brand Image has no positive and significant effect on Repurchase Intention, Product Quality has a positive and significant effect on Repurchase Intention, Customer Satisfaction has a positive effect and significant on Repurchase Intention, and Customer Satisfaction does not mediate the influence of Brand Image and Product Quality on Repurchase Intention.

This study aims to analyze the implementation of credit risk management in Islamic banking, which is a crucial aspect in maintaining business stability and sustainability. The research focuses on identifying credit risk control strategies, such as supervisory oversight by the board of commissioners, risk management policies, and internal control systems. The research method used is a literature review, examining various sources, including journals, books, and official documents. The article shows that credit risks in Islamic banking arise from customers' failure to meet payment obligations and involve concentration and counterparty risks. Islamic banks apply several strategies to address non-performing loans, such as rescheduling, restructuring, reconditioning, and, when necessary, collateral seizure. The implementation of credit risk management helps banks reduce potential losses and improve operational efficiency. Effective credit risk management enables Islamic banks to mitigate losses and maintain customer trust while adhering to Sharia principles and OJK regulations. With the right strategies, Islamic banks can ensure financial stability and sustain long-term growth..

The practice of “All You Can Eat” (AYCE) is a food serving model where customers pay one fixed price to enjoy various types of all-you-can-eat dishes within a certain time limit. This concept has become a global trend and is widely implemented in Indonesia, especially in Japanese and Korean themed restaurants. As a modern form of muamalah, AYCE raises questions in the perspective of Islamic law because it involves aspects of economic transactions that must fulfill the pillars and conditions of buying and selling according to Islam. This study examines the mechanism of AYCE, starting from the payment system, time policy, and additional rules such as fines for uneaten food. In addition, it discusses the application of the pillars and conditions of buying and selling in Islam, which include clarity of goods, valid contracts, and voluntary consent of the parties involved. The main focus is on the potential element of uncertainty (gharar) in AYCE practices, especially regarding the different portions of food consumed by customers, which forms the basis of the Islamic legal analysis of this concept. This research aims to provide a comprehensive view of the relationship between the AYCE concept in the light of Islamic law.

This research is motivated by the large number of customers who are interested in using pawn products (rahn), this is because people's needs continue to increase for additional business capital, while the funds they have are limited. However, with increasing community needs, pawnshops themselves are not providing optimal services to customers. However, due to the lack of service received by customers, they still choose Rahn products. So, this research aims to find out the factors that influence customer decisions in picking up Rahn products at the Solok City Branch Sharia Pawnshop and to find out the most dominant factors that influence customer decisions in picking up Rahn products at the Solok City Branch Sharia Pawnshop. This research is quantitative research. The data collection tool uses a questionnaire. The population of this research is all customers who use rahn at the Solok branch of the sharia pawnshop in 2024, totaling 18,033 respondents with a sample of 100 respondents. The data analysis technique in this research uses research instrument tests, prerequisite tests and factor analysis tests with the help of SPSS. Based on the results of research that has been carried out, the results show that there are four factors that influence customers' decisions in purchasing rahn products, namely promotional factors, price factors, sharia aspect factors and location factors. Then the most dominant factor of the four factors that influence customers' decisions in taking Rahn products is the price factor.

Indonesia, as a rule-of-law state (rechstaat), regulates the life of the nation and state based on law, as reflected in the provisions of civil law that govern relationships between individuals, including matters of inheritance. Inheritance distribution in Indonesia follows various legal systems, such as Islamic inheritance law, civil inheritance law, and customary law, each with different principles and rules. Inherited assets include a wide range of properties, such as movable and immovable assets, property rights, debts, money, businesses, and wills. In practice, the distribution of inheritance in Indonesia often involves an administrative process requiring a Certificate of Inheritance Rights (Surat Keterangan Hak Waris or SKHW) to verify who is entitled to inherit and the share each heir is entitled to receive. This study aims to educate the public, particularly customers of Bank Rakyat Indonesia, about inheritance law and the procedures involved. Additionally, the research highlights the crucial role of notaries as Land Deed Officials (Pejabat Pembuat Akta Tanah, PPAT) in the legalisation of inheritance ownership, particularly concerning the management of land certificates and other legal documents. Through community service conducted at the Bank Rakyat Indonesia (BRI) branch in Central Semarang, this study educates the public on inheritance rights and the role of notaries in ensuring the legal validity of inheritance distribution in accordance with applicable laws. Indonesia's plural inheritance law system provides flexibility in choosing the applicable legal system, whether Islamic law, civil law, or customary law. In the case of disputes, notaries play a role in resolving conflicts by creating peace agreements, cancellation deeds, or waivers of claim deeds. This study is expected to help the public better understand inheritance law and the role of notaries in ensuring that inheritance rights are distributed fairly and legally in accordance with the prevailing laws.

This study explores the implementation of the Midtrans payment gateway system on the Bloxstore.id website using the Prototyping method. The main objective is to enhance the website's payment transaction process by integrating an efficient and secure payment gateway. The Prototyping method was chosen for its iterative approach, which allows for continuous feedback and system refinement. This research demonstrates how the integration of Midtrans improves the user experience by streamlining the payment process and offering various payment options. The results indicate significant improvements in transaction speed, security, and user satisfaction. This study’s findings are valuable for e-commerce platforms looking to optimize their payment systems and build customer trust through secure and efficient transaction methods.

The development of digital technology has brought significant changes in the invitation industry, replacing conventional paper invitations with digital invitations that are more environmentally friendly and efficient. This study aims to analyze the business model of the Untukmu digital invitation business using the Business Model Canvas (BMC) framework. BMC includes nine key elements, namely customer segments, value propositions, channels, customer relationships, revenue streams, key resources, key activities, key partners, and cost structures. The results of the analysis show that the personalization approach, interactive features such as RSVP and photo galleries, and digital promotion strategies through social media are the main competitive advantages of this business. This study also identifies the challenges faced, such as market competition and limitations of UI design, and provides strategic recommendations to overcome these obstacles. With this analysis, it is hoped that the Untukmu digital invitation business can increase its competitiveness and business sustainability.

This study aims to analyze the impact of effort expectancy, perceived enjoyment, and performance expectancy on behavioral intention through customer satisfaction in the use of digital fintech services, with a particular focus on Generation X (ages 44-59). Data were collected through a questionnaire adapted from the Unified Theory of Acceptance and Use of Technology (UTAUT) model, involving 175 Generation X respondents in Indonesia. The sampling method used was non-probability sampling with a purposive sampling technique. Data analysis was conducted using Structural Equation Modeling-Partial Least Squares (SEM PLS) with Smart PLS software. The results of the study show that perceived enjoyment does not have a significant effect on behavioral intention, and effort expectancy does not significantly affect customer satisfaction. However, effort expectancy, performance expectancy, and customer satisfaction have a significant effect on behavioral intention. Perceived enjoyment and performance expectancy significantly influence customer satisfaction. On the other hand, effort expectancy does not significantly affect behavioral intention through customer satisfaction, while perceived enjoyment and performance expectancy significantly affect behavioral intention through customer satisfaction

The development of digital technology has opened significant opportunities for the website development industry to innovate, particularly through the implementation of Augmented Reality (AR) technology. This study explores the application of the Business Model Canvas (BMC) in designing a business strategy for ACW Studio, a website development service company utilizing AR technology. By integrating AR, ACW Studio offers a unique value proposition, such as creating interactive websites and AR-based creative products, significantly enhancing customer experience. The use of BMC helps the company analyze nine key business elements, including strategic collaboration, service personalization, and optimization of digital distribution channels. The study results show that AR-based strategies can provide substantial competitive advantages in a highly competitive market while also opening opportunities for expansion into sectors such as education, retail, and tourism.

The growth of digital technology has significantly transformed the marketing strategies employed by micro, small, and medium enterprises. Within an increasingly competitive digital marketing ecosystem, high-quality visual branding serves as a crucial component in capturing consumer attention and enhancing brand awareness. However, the enterprises frequently encounter constraints related to budget, technology, and expertise in producing effective visual content. In response to these challenges, Rabbithall Studio offers a solution by providing affordable, high-quality content, particularly for enterprises that operating in the foods and beverages sector. This research aims to design a Business Model Canvas (BMC) for Rabbithall Studio to effectively support the digital marketing strategy of MSMEs. A descriptive qualitative approach is used to analyze key elements in the BMC, such as customer segments, value propositions, distribution channels, and cost structure. The research findings reveal that Rabbithall Studio has a strategic business model, focusing on providing aesthetic and Instagrammable product photography services, along with copywriting support. This study offers a strategic guide for MSMEs to adopt visual and content-based marketing to enhance their competitiveness in the digital market.

In a rapidly changing and competitive business era, an effective human resource (HR) management strategy is a vital foundation for the sustainable growth of an organization. Basuki expressed this by stating that in a dynamic and competitive business environment, an effective HR strategy is an important key to sustainable growth. This research method is a literature review research. Literature review is a description of theories, findings, and other research materials obtained from reference materials to be used as a basis for research activities to compile a clear framework of thinking from the formulation of the problem to be studied. The author summarizes, analyzes, and synthesizes critically and in depth from previous literature. The results of this study state that Kentucky Fried Chicken (KFC) is one of the largest fast food restaurant chains in the world that focuses on fried chicken. KFC's operational success depends not only on quality products, but also on skilled, motivated human resources (HR) who are in accordance with the organizational culture. In a highly competitive business context, strategic planning and HR recruitment at KFC are one of the main keys to maintaining competitive advantage and the best service to customers.

Sharia financial institutions continue to develop along with increasing public demand for services that comply with sharia principles. Among the various products offered, the Wakalah and Rahn contracts are two important instruments in providing diverse and flexible services. The Wakalah contract, which is a form of representation in transactions, allows customers to appoint a financial institution as a representative in managing their financial affairs. Meanwhile, the Rahn contract, or sharia pawn, allows customers to obtain financing by handing over goods as collateral. This research aims to explore the implementation and benefits of service products in sharia financial institutions that use Wakalah and Rahn contracts. The method used is literature study and case analysis of several sharia financial institutions in Indonesia. The research results show that the use of Wakalah and Rahn contracts not only increases flexibility and security for customers, but also supports the growth and stability of Islamic financial institutions. In addition, products based on these two contracts have been proven to be able to meet the diverse financial needs of society, while maintaining compliance with sharia principles. Thus, the integration of Wakalah and Rahn contracts in service products at sharia financial institutions is an effective strategy in supporting financial inclusion and sustainable economic development.

Previous research has extensively observed how International Environmental Standards, commonly known as ISO 14000. However, research on the influence between X1, X2, and Y at PT. Futaba Industrial Indonesia has not been conducted before.  Therefore, this study aims to analyze the influence of the work environment and customer satisfaction on the implementation of the ISO 14000 environmental management system.  Using a quantitative approach, data were collected through questionnaires distributed to 52 respondents, consisting of employees at various levels of positions using the Simple Random Sampling technique.  The research results show that the work environment variable has a significant impact on the implementation of ISO 14000.  In addition, customer satisfaction also becomes an important factor in supporting the success of this system.  This research emphasizes the importance of good workplace environmental management and improving customer satisfaction to ensure optimal environmental sustainability through the implementation of the international ISO 14000 standards.