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Banking is one of the financial services companies that has provided services to the community and businesses, Behind this development there are various legal problems related to information crime and electronic transactions in the banking sector, Skimming is the act of stealing debit or credit card information by accessing an independent cash machine and copying the information contained on the magnetic stripe of the debit card or credit belonging to the customer (victim) illegally to have control over the customer's (victim) account. The application of the law to the crime of ATM skimming is regulated in Article 362 of the Criminal Code (KUHP) regarding the crime of theft. This research is a type of normative judicial research supported by a normative approach by using primary legal materials, secondary legal materials and tertiary legal materials as data sources. This study uses a prescriptive method, which is an analysis method that provides an assessment (justification) about the object being researched whether it is true or false, or what should be according to the law. The results of the study show that (1) Skimming is a magnetic stripe crime that exists on ATM cards illegally to have control over the card or the account by duplicating the ATM card or by installing a hidden camera to find out the ATM PIN of the customer or victim. (2) Strategies to prevent unauthorized access and early detection of suspicious activities can be applied to reduce the incidence of criminal acts and effective cyber security is to strengthen the network and security system. This can include investing in cutting-edge security technologies, such as robust firewalls, active network monitoring, and security programs that can detect suspicious attacks. In addition, organizations also need to involve their employees in cybersecurity efforts.    

This research employs the Six Sigma method using the DMAIC cycle (Define, Measure, Analyze, Improve, Control) to enhance the quality of Shopee’s services. Among the variables examined, significant results were found in the areas of delivery accuracy and application reliability. Based on the survey conducted, customer dissatisfaction reached 20% in delivery and 25% in application reliability. Through analysis, the root causes were identified and addressed by optimizing logistics and application stability. This research demonstrates that Six Sigma is effective in improving customer satisfaction and the quality of Shopee’s services.  

This study examines the intense competition in the contemporary franchise beverage industry in Gorontalo City, where consumers have many choices that affect loyalty to certain brands. This study aims to analyze the effect of brand equity and marketing mix on customer loyalty. This descriptive quantitative research uses accidental sampling with 100 samples. Data analysis includes statistical tests as well as Structural Equation Modeling (SEM) models. This study shows that brand equity and marketing mix have a positive and significant effect on purchasing decisions, both partially and simultaneously, with the t-count and f-count values exceeding the table limit at the 95% confidence level. SEM-PLS analysis confirmed the significant relationship with p-values of 0.05 and t-statistics of 1.96, supporting the tested model. The research conclusion shows that brand equity and marketing mix have a significant influence on purchasing decisions. As advice, business owners of contemporary beverage franchises in Gorontalo City are advised to strengthen brand equity, as well as optimize creative and effective marketing strategies to increase competitiveness.

This study examines the intense competition in the contemporary franchise beverage industry in Gorontalo City, where consumers have many choices that affect loyalty to certain brands. This study aims to analyze the effect of brand equity and marketing mix on customer loyalty. This descriptive quantitative research uses accidental sampling with 100 samples. Data analysis includes statistical tests as well as Structural Equation Modeling (SEM) models. This study shows that brand equity and marketing mix have a positive and significant effect on purchasing decisions, both partially and simultaneously, with the t-count and f-count values exceeding the table limit at the 95% confidence level. SEM-PLS analysis confirmed the significant relationship with p-values of 0.05 and t-statistics of 1.96, supporting the tested model. The research conclusion shows that brand equity and marketing mix have a significant influence on purchasing decisions. As advice, business owners of contemporary beverage franchises in Gorontalo City are advised to strengthen brand equity, as well as optimize creative and effective marketing strategies to increase competitiveness.

The Community Service (PKM) activity aimed to enhance the understanding of Enterprise Resource Planning (ERP) concepts for PT. Citra Prima Media, a provider of internet and TV services. ERP is an integrated system designed to improve operational efficiency and real-time data-driven decision-making. The method involved workshops, pre-tests, and post-tests to evaluate participants’ comprehension of ERP benefits in three key areas: financial management, marketing, and human resources (HR). The results showed significant improvements in participants’ understanding, with an average post-test score of 93%. Participants recognized ERP's role in operational efficiency, customer analytics, and data-driven HR management. Based on these findings, PT. Citra Prima Media plans to evaluate ERP adoption for a phased digital transformation. This initiative highlights the importance of ERP in supporting companies' competitiveness in the digital era.

The research used a questionnaire method which was carried out at BMT Jambi City. This research used 100 samples as respondents with samples taken using Random Sampling Technique. The results of this research are: (1) Service quality has a significant effect on customer loyalty, (2) trust has a significant effect on customer loyalty, (3) religiosity has no significant effect on customer loyalty, (4) service quality has no significant effect on satisfaction, (5) ) trust has no effect on satisfaction, (6) religiosity has a significant effect on satisfaction (7) satisfaction has a significant effect on customer loyalty, (8) satisfaction does not mediate the effect of service quality on customer loyalty, (9) satisfaction does not mediate the effect of trust on customer loyalty ( 10) satisfaction does not mediate the effect of religiosity on customer loyalty

In the context of increasingly tight business competition in the current era, both at the domestic and global levels, companies must have the ability to win the competition by ensuring customer satisfaction. This research aims to analyze the influence of Price Perception, Service Quality on Customer Loyalty mediated by Customer Satisfaction at PT. Soyo Aji Perkasa. This research used quantitative and purposive sampling methods, with 127 respondents. This research used questionnaire analysis and a literature review. The data analysis technique used in this research is path coefficient analysis and Specific Indirect Effect. With the hypothesis showing r table > t table and P value < 0.05 with the conclusion that all hypotheses have a significant positive effect.

This study aims to identify the influence of religiosity on customer decisions in choosing Islamic banks using the Systematic Literature Review (SLR) approach. The SLR process includes the stages of identification, assessment, and interpretation of literature, which resulted in 18 articles from 18 journals published between 2015 and 2022, indexed by SINTA, and have E-ISSN. The results of the study indicate that the influence of customer religiosity still has opportunities and challenges to be improved. This can be seen from the low level of customer religiosity, which is indicated by the lack of religious calling that influences their attitudes and behavior, as well as limited understanding of the prohibition of usury and the use of Islamic banks only for profit. Indicators of religiosity that play a role in influencing customer decisions to choose Islamic banks include the quality of Islamic products, avoidance of usurious transactions, profit sharing principles, and Islamic features. There is a gap in results between the samples studied, which can be a research gap for further studies. Recommendations for improving customer decisions include increasing religiosity, fulfilling customer needs, and the effectiveness of Islamic financial literacy. This study can be used as a reference for further research on the role of religiosity in influencing customer decisions in choosing Islamic banks.    

The purpose of this study was to analyze the factors that influence customer satisfaction at Merpati Urei Faisei Hotel, Waropen Regency, associated with the quality of service and hotel facilities. The population in this study were all customers of Merpati Urei Faisei Hotel, Waropen Regency. This study used a sample of 100 respondents who were and had stayed as customers or guests at Merpati Urei Faisei Hotel in the past year, selected using purposive sampling techniques. The data collection technique used in this study was by distributing questionnaires and data analysis using multiple linear regression analysis techniques with the help of SPSS. The results of the study found that customer satisfaction at Merpati Urei Faisei Hotel, Waropen Regency was positively and significantly influenced by the service quality factor of 0.475, the influence of the hotel facility factor of 0.454. This study is expected to increase insight and knowledge about the quality of service and hotel facilities on customer satisfaction.

This study aims to analyze the efforts made by the management of CV Goodspeed Coffee Bitung to improve employee performance and company revenue, as well as to identify the factors influencing employee performance. Additionally, this research examines the impact of employee performance on customer satisfaction and loyalty. A qualitative approach was used to gather in-depth information through interviews, observations, and documentation. The findings show that CV Goodspeed Coffee's management has implemented strategies such as setting clear work targets and conducting regular training to improve employee performance. Factors influencing employee performance include work discipline, skills, and positive attitudes. Good employee performance has been shown to have a positive impact on customer satisfaction and loyalty, which in turn increases the company's revenue. This study is expected to contribute theoretically to the development of human resource management and provide practical benefits for the company, academia, and the author for further development in the field of employee performance management.    

Sentiment Analysis is a technique for extracting text data to obtain information about positive, neutral or negative sentiments. The purpose of sentiment analysis is given by internet users on social media to provide a personal assessment or opinion. Paga Lewu Shop that often gets user sentiment through social media is Paga Lewu Shop. The existence of consumer opinion sentiments about Paga Lewu Shop can be analyzed and utilized to obtain useful information for other customers and the Paga Lewu Shop. By using the Text Mining technique classification method, a sentiment will be known as positive, neutral or negative. One of the algorithms widely used in sentiment analysis is the Naïve Bayes classification method. This study uses the Naïve Bayes Classifier (NBC) method with tf-idf weighting accompanied by the addition of an emotion icon conversion feature (emoticon) to determine the existing sentiment class from tweets about the Paga Lewu Shop. The results of the study show that the Naïve Bayes method without additional features is able to classify sentiment with an accuracy value of 96.44%, while if the tf-idf weighting feature is added along with the conversion of emotion icons, the accuracy value can be increased to 98%.

PT Bumi Daya Plaza faces various obstacles in managing inventory because it still relies on a manual system based on Microsoft Excel. This approach causes a number of problems, such as recording errors, low data security, and limited real-time access, which negatively affect operational efficiency and customer satisfaction. This study aims to develop a web-based inventory system to overcome these problems. This system is designed to be able to monitor stock in real time, automate the reordering process, and generate accurate reports automatically. The research methodology includes interviews, observations, and document analysis to ensure user needs are met. The implementation results show that this system can improve work efficiency, reduce recording errors, and strengthen data-based decision making. With this innovation, PT Bumi Daya Plaza is expected to increase competitiveness and respond to market needs more effectively.

This study aims to analyze the internal and external factors influencing the marketing strategy of Tagify, a business engaged in the design of lanyards and ID cards. Using a descriptive qualitative analysis method, the study collects secondary data from literature reviews related to marketing strategies and SWOT analysis. The findings reveal that Tagify's strengths lie in creative design, fast production capability, and flexibility in meeting customer demands. However, the main challenges are limited production capacity and suboptimal use of social media for marketing. Significant opportunities exist in the growing demand for custom products in corporate sectors and large events, while the primary threat comes from intense price competition. The implications of this research show that SWOT analysis is crucial in formulating effective marketing strategies to address challenges, seize available opportunities, and strengthen Tagify's competitive position in the market.

Digital management training has become the main need for Micro, Small, and Medium Enterprises (MSMEs) in the era of digitalization. In Bengkulu, many MSMEs face challenges in adopting technology to improve operational efficiency, expand markets, and increase competitiveness. This study aims to analyze the impact of digital management training on increasing the management capacity of MSMEs in Bengkulu. This training includes an introduction to digital technology, online marketing strategies, application-based financial management, and customer data management. The results of the training show that the implementation of digital management has a significant positive impact on productivity, business management, and MSME revenue growth. The study also highlights the importance of ongoing support from the government and the private sector in facilitating the adoption of digital technology among MSMEs.

This study aims to describe the steps of business development strategies used in the Jember party equipment rental service business and describe, analyze the Business Model Canvas in the Jember party equipment rental service business. This study was conducted with a Business Model Canvas approach using a qualitative case study research type. Data collection using interviews and observations. The results of the study were obtained based on nine BMC elements consisting of customer segments, value propositions, channels, customer relationships, revenue streams, key resources, key activities, key partnerships, and cost structures summarized in one canvas showing that the Jember party equipment rental service business can carry out aggressive strategies. In addition, it also produces a new Business Model Canvas design as a result of improvements as a selected alternative strategy on channels , and customer relationships that can be used for future business development.

Abstract. This study examines the impact of product quality and price on consumer satisfaction at Toko Batik Katura, Cirebon Regency, aiming to provide relevant strategies to enhance customer loyalty. An explanatory research method was employed to explain the causal relationship between product quality, price, and consumer satisfaction variables. Data collection was conducted through direct observation, questionnaires using a Likert scale, and documentation, involving 100 respondents selected through purposive sampling. The results indicate that product quality and price significantly influence consumer satisfaction, with a correlation coefficient of 0.9938 and a determination coefficient of 98.76%. This study recommends product innovation development, flexible pricing strategies, service quality improvements, and the utilization of digital platforms as part of a modern marketing approach. Keywords: Product Quality, Price, Consumer Satisfaction, Customer Loyalty, Marketing Strategy, Digital Platforms, Product Innovation, Service Quality, Explanatory Research. Abstrak. Penelitian ini mengkaji dampak kualitas produk dan harga terhadap kepuasan konsumen di Toko Batik Katura, Kabupaten Cirebon, dengan tujuan untuk memberikan strategi yang relevan guna meningkatkan loyalitas pelanggan. Dalam penelitian ini, metode explanatory research digunakan untuk menjelaskan hubungan kausal antara variabel kualitas produk, harga, dan kepuasan konsumen. Pengumpulan data dilakukan melalui observasi langsung, kuesioner dengan skala Likert, dan dokumentasi, melibatkan 100 responden yang dipilih secara purposive sampling. Hasil menunjukkan bahwa kualitas produk dan harga secara signifikan memengaruhi kepuasan konsumen, dengan koefisien korelasi sebesar 0,9938 dan koefisien determinasi sebesar 98,76%. Penelitian ini merekomendasikan pengembangan inovasi produk, strategi harga yang fleksibel, peningkatan kualitas layanan, serta pemanfaatan platform digital sebagai bagian dari pendekatan pemasaran modern. Kata kunci: Kualitas Produk, Harga, Kepuasan Konsumen, Loyalitas Pelanggan, Strategi Pemasaran, Platform Digital, Inovasi Produk, Kualitas Layanan, Penelitian Eksplanatori.

This study focuses on black-box testing of JivaJoy software, an online product stock management and ordering system. The primary goal of this research is to evaluate the functionality and performance of the system's key features, including profile management, CRUD operations for admin and customer accounts, product stock management, shopping cart, order management, and AI counseling. Black-box testing was applied to assess whether these features meet expected operational standards and user requirements without considering the internal code structure. The test results indicate that most features function as expected. However, some issues were identified related to input validation, particularly with email format, phone number length, file uploads, and product stock management. Additionally, the order management and AI counseling features showed deficiencies in error handling and input validation. Based on these findings, the study recommends improvements in input validation, product stock management, shopping cart functionality, and AI counseling systems to enhance the reliability and performance of the JivaJoy platform. These enhancements are essential to deliver more efficient, secure, and optimal services, ensuring better user experiences and customer satisfaction.

This study aims to analyze the marketing strategies implemented by The Wood's Coffee Tanjung Morawa and their impact on the company's financial performance. The main focus of this study is the marketing strategy through social media, which is increasingly becoming an effective tool in promoting products and increasing engagement with consumers. This study uses a qualitative approach with in-depth interview methods with marketing managers, social media staff, and several loyal customers. The results of the study indicate that the marketing strategy implemented through social media, including the use of Instagram and Facebook, has succeeded in increasing brand awareness and attracting new customers. In addition, the results of the financial analysis indicate that the implementation of an effective social media strategy has contributed significantly to increasing sales, which has led to an increase in the company's financial performance. However, the challenge of maintaining consistency and managing interactions on social media is an important factor for long-term success. This study provides insight into the importance of social media as an integral part of a marketing strategy to improve the company's financial performance.

This research employs qualitative and quantitative methods to ascertain the impact of a Chinese-themed atmosphere and stakeholders. The research sample utilized Nvivo and comprised 150 respondents, representing consumers of non-Halal culinary MSMEs at PIK. The research findings demonstrate that the establishment of a Chinese-themed ambiance and stakeholder engagement significantly enhance consumer satisfaction in non-halal culinary MSMEs at PIK, North Jakarta. This amalgamation of methods not only improves the client experience but also generates chances to cultivate customer loyalty and bolster MSME competitiveness. Enhanced execution of stakeholder engagement and ongoing innovation can further propel success in this area.

This research discusses efforts to increase the competitiveness of "Tarekli" MSMEs through SWOT analysis. The main goal of this analysis is to maximize strengths and opportunities, while reducing weaknesses and threats faced by the business. The research method uses a descriptive qualitative approach, relying on data from scientific journals and online publications. The analysis results show that Tarekli has advantages in the form of product and service quality, but faces challenges such as distribution difficulties and dependence on raw materials with unstable prices. Innovation in packaging and brand strengthening were identified as strategic steps to increase competitiveness. SWOT analysis provides important insights for MSMEs in formulating growth strategies and increasing customer satisfaction..