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One topic that is often discussed in marketing management is service quality. Service quality is an indicator of the service provided by the service provider to the service recipient. Service quality is also an early indicator of customer satisfaction. The aim of this research is to find out what types of service sectors have been researched in the marketing sector, especially service quality in Serang City. This service quality research method uses qualitative methods originating from journals that have been previously researched with research questions including year of publication, field of service studied, dimensions of service quality used, and research methods. It is hoped that the results of this research can intensify research in Serang City, especially service quality related to marketing management. Considering the limited data available and the breadth of the service quality sector for the size of Serang City.

Installment Credit with Fiduciary System at Pegadaian (Pawnshop) is quite popular among the public, especially for small and medium enterprises, as it provides easy and fast financing services. The purpose of this study is to understand the implementation of the Fiduciary System Installment Credit Agreement at PT. Pegadaian Larantuka. The theoretical benefit of this research is to provide information for the development of legal knowledge, particularly in the field of civil law regarding Fiduciary System Installment Credit at pawnshops, while the practical benefit is to contribute ideas and suggestions for relevant stakeholders, especially customers. The research method used is empirical research. The data used in this study are based on the relevance of the data sources, which include primary, secondary, and tertiary data. The results of the study indicate that the implementation of the fiduciary system installment credit agreement at PT. Pegadaian Larantuka is offered to individuals who have been running a business for at least one year. The process starts with the prospective customer applying for credit, followed by Pegadaian analyzing the applicant's profile. The prospective customer then completes the necessary requirements and signs an agreement form, binding both parties to a specific object. The factors hindering the proper implementation of the KREASI agreement are typically caused by the customer or debtor's default, which may result from financial issues, negligence, economic conditions, or other unforeseen circumstances.

This article aims to explore the dynamics of business in the digital era and the disruptive impact of information technology on companies. Through literature analysis, this study identifies technologies such as AI and big data that are used to improve efficiency and innovation. The results show that the integration of information technology in business models improves productivity and customer experience. This article emphasizes the importance of developing skills and organizational culture that support innovation as the key to facing disruptive challenges. This article provides valuable insights for companies in formulating adaptation strategies amidst global business changes.

Service quality, brand image, customer satisfaction, customer loyalty, pawnshop Abstract. This study aims to examine the influence of service quality, brand image and customer satisfaction on customer loyalty at PT. Pemalang branch pawnshop (case study on UPC Ulujami. The population in this study is customers of PT. Ulujami branch pawnshop totaling 1250 people with a research sample of 95 people. Data collection was carried out by means of interviews and questionnaires.the analysis technique used in this researcher is multiple linear regression using the SPSS (Statistical Product and Service Solutions) version 22 program used to analyze the data. Based on the results of this study, it shows that (1) service quality has a significant effect on customer loyalty. (2) Brand image affects customer loyalty. (3) Customer satisfaction has a significant effect on customer loyalty. (4) Service quality, brand image and customer satisfaction

This study aims to examine the effect of Corporate Social Responsibility and Islamic Advertising on Corporate Reputation with Customer Satisfaction as an intervening variable on Shopeefood application users in Bandar Lampung City from an Islamic business perspective. This study uses a quantitative approach, data collection is carried out through a survey with a questionnaire in the form of a google form. The population in this study are Shopeefood application users and domiciled in Bandar Lampung City. The sample of this study was 100 respondents using a non-probability sampling method with a purposive sampling technique, and using SEM analysis tools using PLS and the results of data processing obtained using smartpls. The results showed that the variables of Corporate Social Responsibility and Islamic Advertising have a positive and significant effect on Corporate Reputation. Customer Satisfaction has a positive and significant effect on Corporate Reputation. The Customer Satisfaction variable mediates the influence of Corporate Social Responsibility on Corporate Reputation. Meanwhile, Customer Satisfaction is unable to mediate the influence of Islamic Advertising on Corporate Reputation.

Tiktok is the only social media that is widely used by shoppers to see product reviews before deciding to buy. One of the most searched content is beauty products. Research was conducted to determine the effect of brand equity and online customer reviews (OCRs) on purchasing decisions for The Originote products on the Tiktok Shop Application. This study focuses on The Originote skincare using quantitative methods. The sample used was Generation Z in Malang City with a multistage random sampling technique. Data analysis includes instrument testing, descriptive, classical assumption testing and hypothesis testing. The results of the study show that both brand equity and OCRs variables significantly contribute to purchasing decisions. Partially and simultaneously, both variables have a significant influence on purchasing decisions. To improve and strengthen brand equity, The Originote needs to upgrade the outer packaging so that the product is protected from impact. On the other hand, to improve online customer reviews, The Originote needs to create an SOP for admins to reply to customer reviews.

This research aims to determine the effect of Customer Relationship Management (CRM) on Customer Satisfaction and Customer Loyalty on the Gopay e-wallet in Pekalongan and its surroundings. This type of research is quantitative with a purposive sampling technique using a questionnaire distributed to 50 Gopay users in Pekalongan and surrounding areas. This research uses multiple regression analysis methods, classical assumption tests, t tests, and R2 square tests, using SPSS V.20. Partial test results show that Customer Relationship Management has a positive and significant effect On Customer Satisfaction and Customer Loyalty.

Product quality is able to influence consumers' perspective on the company. In addition, companies also need to pay attention to the company's image by focusing on the experience obtained by customers. This research intends to find out the impact of product quality and consumer experience on the interest in repurchasing  Narcisse Beauty Care skincare porduk. This study is a quantitative research with variables  of product quality, experiential marketing, and repurchase intention. Simple random sampling was used as a data collection technique using a questionnaire and as many as 100 people as respondents. The results of this research explain that product quality and experiential marketing have a partial or negative effect on repurchase intention in  Narcisse Beauty Care skincare products in Probolinggo City. Narcisse Beauty Care is expected to improve product quality by providing a pleasant smell and making attractive packaging and conducting promotions to attract consumers to repurchase, on the other hand holding discounts to increase repurchase intention.

This study aims to analyze cryptocurrency investment models in relation to the prevention of money laundering (Anti-Money Laundering/AML) activities. Cryptocurrency, as a growing form of digital investment, has garnered attention from regulators due to its potential money laundering risks. This paper explores preventive strategies that can be implemented within cryptocurrency investment systems, including the use of blockchain technology, KYC (Know Your Customer) procedures, and international regulations such as the Financial Action Task Force (FATF) guidelines. Through a qualitative method based on literature review and policy analysis, the study identifies investment models that can minimize money laundering risks while maintaining profitability for investors. These findings provide insights into the challenges and solutions in developing a safer cryptocurrency investment system that complies with AML regulations.

Service quality and online promotion play a crucial role in influencing customer satisfaction. Their application extends beyond merely boosting sales volume; they are also essential in observing customer behavior and fulfilling their needs by understanding the types and qualities of services that customers desire. This study aims to investigate the impact of service quality and online promotion on customer satisfaction at PT. Tirta Asasta Depok (PERSERODA). The research methodology utilized is quantitative statistical analysis. The population for this study comprises the customers of PT. Tirta Asasta Depok (PERSERODA). Data collection methods include interviews, questionnaires, documentation, and observation, with the primary data collection being done through questionnaires. Data processing is conducted using SPSS 16.0 software with multiple linear regression analysis techniques. The results indicate that service quality significantly influences customer satisfaction and that online promotion also has a significant effect on customer satisfaction. Furthermore, both service quality and online promotion together have a simultaneous and significant impact on customer satisfaction.

The integration of health insurance with Fixed Deposit Receipts (FDR) and Deposit Pension Schemes (DPS) represents a significant innovation in the banking sector, offering new opportunities for financial institutions, insurers, and consumers. This paper explores the potential of merging health insurance with FDR/DPS schemes, focusing on how such integration can enhance financial inclusivity and healthcare accessibility, particularly in developing countries.  The study outlines the theoretical framework supporting this integration and analyzes the associated challenges, including regulatory and operational barriers.  It also highlights the potential benefits for banks, such as customer base expansion and increased savings attraction, while offering consumers the dual advantage of financial security and health coverage. Through a case study of the banking sector in Bangladesh, this paper provides insights into how such models can be implemented in emerging economies. Additionally, we address the barriers to successful integration, including regulatory hurdles and consumer awareness. The findings indicate that this integration could serve as a strategic tool for banks to broaden their customer base and contribute to the healthcare system's resilience.   Finally, the paper discusses policy implications and future trends, emphasizing the role of technology in facilitating these hybrid financial products.  This research contributes to the growing body of knowledge on the intersection of finance and healthcare, offering strategic directions for stakeholders in both sectors

The growth of MSMEs in Indonesia, particularly in the culinary sector, holds substantial potential for bolstering the national economy, with Coblong District in Bandung City emerging as a rapidly developing hub; however, despite the fierce competition, the success of culinary MSMEs in this area is influenced not only by product quality but also by factors such as service quality and the marketing mix, prompting this study to investigate their contribution to the success of culinary MSMEs in Coblong District, using a quantitative approach where data from 36 MSMEs were collected via questionnaires, and although the results of multiple linear regression analysis reveal that neither service quality nor the marketing mix have a significant impact on the success of these MSMEs, both factors still play an essential role in supporting customer satisfaction and achieving business goals.

This research aims to determine the analysis of increasing customer engagement with brand experience and visual brand communication (survey of Scarlett Whitening users in Tasikmalaya City, West Java). The method used in this research is causality through a survey approach. With a research sample of 100 Scarlett Whitening users in Tasikmalaya City, West Java. The data used is primary data. The analytical tool used in this research is multiple regression using SPSS 26.0. The research results show that the Brand Experience obtained from the Brand Experience of Scarlett Whitening Users in Tasikmalaya City, West Java has good criteria. Visual Brand Communication at Scarlett Whitening di Kota Tasikmalaya Jawa Barat has good assessment criteria, Customer Engagement for Scarlett Whitening Users in Tasikmalaya City, West Java has good criteria. Together Brand Experience and Visual Brand Communication have a significant influence on Customer Engagement. Partially, Brand Experience has a significant influence on Customer Engagement. Partially, Visual Brand Communication has a positive and significant effect on Customer Engagement.

Business activities are basically carried out with the aim of obtaining maximum profits to maintain the company's existence amidst competition. Therefore, companies must be more innovative in providing product quality and good service quality to their customers so that they can provide customer satisfaction and the company can be superior to other companies. This research aims to determine the effect of product quality and service quality on customer satisfaction at PT. X. The research method used is a quantitative approach. Data collection methods in this research are interviews, questionnaires (Google Form), and literature study. The population in this research are customers of PT. X. The sampling technique used was quota sampling with a sample size of 30 respondents. The data analysis technique used is multiple linear regression analysis which is processed using the SPSS version 25.0 application. The results of this research indicate that partially product quality has a significant effect on customer satisfaction. Service quality partially has a significant effect on customer satisfaction. Simultaneously, product quality and service quality have a significant effect on customer satisfaction.

This study aims to analyze the influence of Islamic financial literacy on customer decisions in choosing Islamic vehicle installments in Indonesia. Using a quantitative approach, a survey was conducted on several respondents in five major cities in Indonesia. The results showed that the level of Islamic financial literacy has a significant positive influence on customer preferences for choosing Islamic vehicle installments. Logistic regression analysis revealed that every one-point increase in the Islamic financial literacy score increases the odds of choosing Islamic vehicle installments by 4.9%. Demographic factors such as age, education, and income also have a significant influence. These findings highlight the importance of efforts to improve Islamic financial literacy as a strategy to encourage the adoption of Islamic financing products. Practical implications include the need for targeted education programs, improved product communication, and innovation in the development of competitive Islamic financing products.

The purpose of this study was to determine the role of the madrasah principal in implementing TQM and to determine the strategy in maintaining a quality culture based on TQM at MTsN 5 West Aceh. This research method is descriptive qualitative. The collection techniques are observation, interviews, and documentation. The subjects of the study were the Madrasah Principal, Deputy Curriculum, Deputy Student Affairs, Treasurer, Teachers, Students, Head of Administration, and Library Manager totaling 16 people. The data analysis technique was the Miles and Huberman interactive analysis model. The results of the study obtained were: (1) the role of the madrasah principal in implementing TQM includes as an educator, as a manager, as an administrator, as a leader, and as an innovator. While the implementation of TQM that has been carried out by the madrasah principal includes: customer satisfaction, leadership, respect for everyone, and continuous improvement; (2) The Madrasah Principal's Strategy in Maintaining a Quality Culture Based on TQM includes increasing the competence of madrasah HR, creating good communication or relationships and cooperation between madrasah residents.

Customer segmentation plays a pivotal role in driving marketing strategies and improving customer retention across various industries. This study explores the application of the RFM (Recency, Frequency, Monetary) model for customer segmentation in a Software-as-a-Service (SaaS) business, using Python for efficient data processing and analysis. By analyzing one year of customer purchase data, we segmented customers into key groups such as "Champions," "Loyal Customers," and "At Risk." The results highlight that targeted discount strategies significantly affect profitability, especially for high-value customer segments. Furthermore, the research builds upon existing methodologies, demonstrating how Python-based implementations streamline RFM analysis and allow for scalable solutions in business contexts, as illustrated in prior works by Hermawan et al. (2024). This study offers actionable recommendations, including tailored discounting, loyalty programs, and personalized engagement strategies, to enhance customer retention and business profitability. The findings underscore the importance of data-driven marketing approaches for customer segmentation and engagement, reinforcing the relevance of the RFM model in modern business environments.

This research implements RFM (Recency, Frequency, Monetary) analysis to perform customer segmentation and evaluate the effectiveness of marketing campaigns in a retail company. Using a Kaggle dataset, this study identifies customers based on purchasing behaviour and assesses marketing campaign responses for each segment. The analysis reveals that Loyal, VIP, and New Customer segments showed the highest responses, especially in Campaign 6. The findings emphasize the importance of targeting resources on effective segments and campaigns to optimize marketing strategies and maximize ROI. Personalized campaigns based on segmentation can enhance customer retention and align product offerings with customer needs.

This study aims to optimize marketing strategies through RFM (Recency, Frequency, Monetary) analysis on a retail transaction dataset obtained from Kaggle. The dataset contains 64,682 transactions from 5,242 SKUs involving 22,625 customers over one year. Data cleaning and RFM analysis were conducted to segment customers based on recency, frequency, and monetary values. The findings reveal that customers were segmented into groups such as Champions, Loyal Customers, and At Risk. These segments provide valuable insights for developing targeted marketing strategies, such as loyalty programs for high-value customers and retention campaigns for at-risk customers. The study demonstrates that RFM analysis is effective in identifying valuable customer segments and optimizing marketing efforts based on customer behavior. This approach can increase customer retention and improve the return on investment (ROI) in marketing campaigns.

Customer churn prediction models have become an important tool in the telecommunications industry to reduce churn rates and improve customer retention. This research focuses on building an accurate customer churn prediction model using machine learning algorithms for TELCO Company. By applying diverse feature engineering techniques and prediction models such as RandomForestClassifier, DecisionTreeClassifier, and XGBoost, this study showcases a significant improvement in prediction accuracy compared to previously implemented rule-based methods. The findings of this research allow TELCO Company to identify high-risk customers more effectively and implement targeted retention strategies. Results show that the resulting model can identify customers at risk of churn more effectively, enabling more targeted retention actions..