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In the current era of globalization, information technology is developing rapidly. As for technology, which is equipment created to make human work easier, when achieving good progress in the work process of PT Plaza Auto Prima, it is absolutely necessary to have a technique that supports and provides satisfactory service for customers. Based on this, the author tries to analyze a method used when employees work in the Plaza Auto Prima environment regarding the work ergonomics they currently apply at PT Plaza Auto Prima, which to date has not seen any improvement. The method used is direct observation and assessment of work posture using the REBA method. The research subjects were mechanics who worked in the installation or removal of car wheels. The data obtained is analyzed to determine the REBA score and the level of risk faced by workers. The research results show that the mechanical work posture at PT Plaza Auto Prima (Toyota) Tendean has significant problems. Analysis using the REBA method produces a final score of 8, which indicates a high risk level and requires immediate improvement. Factors that contribute to this high risk include the lack of ideal work ergonomics and limited supporting equipment. This increases the risk of injury and illness to the worker's body in the future. After improvements were made by adding trolley service tools, the way of working became more ergonomic so that the REBA score dropped to 2, which shows that some of the movements carried out were in the safe category or did not cause muscle injuries in the future. Therefore, the presence of bodily abnormalities that arise from work cannot be separated from the existence of supporting equipment to facilitate the removal of certain parts so as not to cause abnormal bodily effects. Planning for the procurement of a particular tool needs to be done as soon as possible so that workers do not suffer the effects of bodily abnormalities. In this way, the author took analytical steps using the Rapid Entire Body Assessment (REBA) method, which is the best solution to solve the problems that exist in this company to support workers so they can work all the time without any complaints about their bodies.

This study examines how illegal parking affects the level of customer visits to small and medium enterprises (SMEs) in Bandar Lampung City, with a particular focus on the Saburai Field area. The study conducted interviews with SME owners and customers to collect data using a descriptive qualitative research method. The results showed that illegal parking has varying impacts on the number of customer visits; some business owners said that there was no impact, while others said that there was an impact. From the customer's perspective, illegal parking significantly disrupts the comfort and safety of shopping, which may change their customer visit patterns. Illegal parking is generally considered to disrupt consumers' shopping experience, which may influence their decision to visit nearby SMEs, although the impacts vary. This study emphasizes that more organized parking management is essential to improving the business environment and competitiveness of small and medium enterprises in Bandar Lampung City.

The main objective of this study is to fill the knowledge gap in Islamic financial literacy experienced by microfinance customers by identifying their experiences in implementing these practices, the challenges they face and the opportunities that exist. Although this research is qualitative descriptive, this research includes field research. Primary and secondary sources of information were used to compile the results of this study. Research Methods This research uses a qualitative method with a descriptive approach, carried out at BPRS Haji Miskin KC Payakumbuh, identifying both internally and externally so that it can analyze what is currently an obstacle to customer understanding in Islamic financial literacy in murabahah financing products and describe the developments that can be done to improve customer Islamic financial literacy in murabahah financing products.The results of the research The understanding of financing customers is based on the findings of this micro-research that increases in following Islamic financial literacy, increasing customer insights, so customers can distinguish Islamic finance from conventional finance. The obstacles and risks faced by microfinance customers of BPRS Haji Miskin KC Payakumbuh in Islamic financial literacy are that most of the microfinance customers cannot participate in the Islamic finance education program because the distance to the customer's home and the location of the Islamic finance education is very far because the program is carried out at the head office.

Apple's strategy to enter the Japanese smartphone market was one of its most successful historical moves. One of the critical reasons for Apple's success in Japan was its strategic cooperation with Softbank, one of the country's largest mobile service providers. Softbank was instrumental in bringing the iPhone to Japan and introducing it to Japanese consumers. This collaboration gave Apple access to Softbank's extensive distribution network and powerful promotion, significantly increasing the appeal of iPhones among smartphone users in Japan. This innovation, highlighted by the high product quality and elegant design, makes the iPhone stand out compared to its competitors. More recently, Apple has gained popularity by providing exceptional customer service. Customer loyalty has been extreme in the consumer community due to efficient customer service, consistent user experience, and a well-integrated product ecosystem (such as iCloud and antenna interoperability systems). In addition to outstanding innovation and service, Apple has positioned the iPhone at a competitive pricing point in Japan. While the iPhone is sometimes regarded as a premium product with a high price tag in many areas, Apple can offer a lower price tag in Japan than specific domestic and international competitors. This makes the iPhone more appealing to Japanese consumers, who want higher-value things.

Sebuah usaha di Yogyakarta yang bergerak di bidang makanan atau minuman cepat saji adalah Restoran cepat saji X.Tujuan dari pemeriksaan tersebut adalah untuk mendapatkan kesenjangan antara harapan dan persepsi. selanjutnyamendapatkan kualitas yang diinginkan pelanggan. Dalam penelitian ini, strategi Service Quality memanfaatkan kreditaspek kualitas administrasi, khususnya tanglibel, reability, responsiveness, assurance, dan empaty terhadap survei. Daripemeriksaan gap 5 yang mempunyai nilai negatif sebagai ciri bahwa pembeli perlu melakukan perbaikan ke VoC (Voiceof customer), untuk dimanfaatkan dalam kerangka kebutuhan pembeli di HoQ yang merupakan kebutuhan QFD. Hasilpengujian menunjukkan bahwa sifat substansial yaitu kualitas kenyamanan dalam berbagai media dapat berfungsi denganbaik, untuk kemajuan dengan nilai 1,8 pada tingkat persepsi, 4,08 pada tingkat asumsi, sehingga diperoleh nilai negatifterbesar khususnya ( - 2.22).

The current research collected and studied the three variables that the previous researches are not gathered together.The research aims to find out the effect of marketing and market knowledge in achieving sustainable marketing performance through stated and procedural knowledge represented by marketing thinking to help reach marketing goals by relying on marketing data and information obtained from the market to provide new capabilities and distinct competitive capabilities. The research was applied to a sample of individuals working in Iraqi industrial companies, including the managers, as well as heads of departments and directors of divisions and units.. The focus was on the General Company for Batteries Manufacturing with its two factories, namely the Babel Factory (1) and the Babel Factory (2). A questionnaire was designed to be consistent with purposes of research and its hypothesis. Questionnaires were distributed (122), and (120) Questionnaires were retrieved from them for statistical analysis, i.e. with rate of (98.3%). The research touched a set of deductions, the most significant of which was that marketing and marketing knowledge helps in achieving sustainable marketing performance by carrying out distinct activities, searching for information and knowledge related to customers and competitors, and surveying the market in the long term, it has become an important element in achieving success for contemporary organizations. The research recommends the need to increase companies' interest in market knowledge, and to take the necessary measures to enable them to benefit from this knowledge in creating marketing human capital capable of raising the efficiency of sustainable marketing performance of these companies in short and long term.  

This research is motivated by the current rapid development of Islamic Banking, causing the banking industry to face a very competitive business environment. Therefore, approaches and breakthroughs are needed to develop the Islamic market in indonesia. Therefore, one of the efforts of Islamic Banks is to implement Islamic Marketing which consists of fou characteristics, namely Theistic, Ethical, Relistic and Humanistic, which is a business process whose entire process applies islamic values.This study aims to determine whether the syariah marketing variables consisting of Theistic, Ethical, Realistic and Humanistic have a simultaneous or partial effect on Customer Satisfacion at Bank Syariah Indonesia KFO Mikro Merlung. This test uses a quantitative research method with an associative research type and uses a questionnaire and observation method. The questionnaire is used to obtain data on the characteristics of respondents, namely customers and to obtain data on the influence of syariah marketing on customer satisfaction at Bank Syariah Indonesia KFO Mikro Merlung through statements in the questionnaire. While observation is used for direct observation of the research location and to dig up data on organizational structure, population an samples.The results of this study indicte that the independent variables of Syariah Marketing consisting of Theistic, Ethicl, Realistic and Humanistic have a simultaneous effect on satisfaction of Bank Syariah Indonesia KFO Mikro Merlung with an effect of 40%, while the remaining 60% is explained by other variables not examined in this study, partially, it is concluded tht of the four characteristics there are there are three variables that have a significant effect on customer satisfaction, namely Theistic, Ethical, and Humanistic while the Realistic variable has an effect but is not significant on customer satisfaction of Bank Syariah Indonesia KFO Mikro Merlung.  

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.

This qualitative literature review examines the impact of FinTech innovations on small business financing, focusing on credit lines and customer satisfaction. The review explores how FinTech platforms have transformed traditional lending by enhancing accessibility, efficiency, and flexibility for small businesses, particularly those underserved by traditional banks. Key findings show that FinTech innovations, such as the use of alternative data for credit assessment and automated risk management, have significantly improved customer experiences by offering faster, more tailored financial solutions. However, challenges remain, including regulatory concerns, the risk of algorithmic bias, the lack of personalized human interaction, and the potential for over-leveraging among small businesses. Despite these limitations, FinTech continues to evolve, offering promising avenues for improving financial inclusion and borrower experiences. The review concludes that while FinTech has positively influenced the small business financing landscape, further research is needed to address regulatory gaps and ensure the sustainable growth of digital lending systems.

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.