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The financial sector is undergoing rapid digital transformation, driven by innovations in digital banking, fintech, and AI-driven solutions. This transformation has significant implications for consumer trust and data security. This paper explores the impact of these technological advancements on customer confidence in financial institutions, especially in light of recent data breaches and cybersecurity threats. By analyzing regulatory responses and cybersecurity frameworks, the study emphasizes the critical need for robust protections to build and maintain consumer trust in digital finance. Findings indicate that enhanced security measures and regulatory oversight are essential in safeguarding data and supporting the sustainable growth of digital finance.

Blockchain technology has emerged as a transformative solution for enhancing transparency and traceability in global supply chains. This paper explores the applications of blockchain in improving data accuracy and accountability, particularly in sectors such as agriculture, manufacturing, and pharmaceuticals. Through detailed case studies, the research demonstrates blockchain's effectiveness in reducing fraud, enhancing trust among stakeholders, and ensuring a more resilient supply chain framework. The findings suggest that implementing blockchain can significantly improve operational efficiencies and foster collaborative relationships across various industries.

Health is a basic right of all people. The main priority at this time is health services for pregnant women. The selection of birth attendants for pregnant women is something that must be considered. Prior to the tripartite partnership, many people chose to give birth with the help of a dukun than to give birth with a health worker. The process of forming a tripartite partnership, namely collaboration between cadres, traditional birth attendants and midwives, began with the signing of the MoU which was directly supervised by the camat, babinsa and lurah. The existence of cadres and traditional birth attendants who continuously accompany pregnant women makes them trust them to use the services of health workers and give birth at health facilities. There was an increase in the number of birth mothers assisted by midwives who partnered with traditional birth attendants at Poskesdes with an average increase of 2. 8% for the past 2 years. The obstacles in implementing this tripartite partnership are the very low level of education of cadres and traditional birth attendants, the remote location of health services and the financial capacity of postpartum mothers.

Abstract. This study aim is to find out how customers feel about the atmosphere and quality of service at Sociostyle Stores. A descriptive quantitative method was used in this study. In this study, the study population was made up of people who shopped at the Temanggung Sociostyle Shop. The exact number of people who shopped there was not known because the number of people who shopped there was always growing. Because of this, the sampling strategy is based on the Lemeshow formula. Based on the numbers, the number of people in the sample is 100. For their research, the researchers used a questionnaire with a Likert scale and direct observation. After the data were collected, the instrument's validity and reliability were checked. After the instrument has been found to be valid and trustworthy, descriptive statistical analysis can continue so that the research questions can be answered. The results showed that all of the store atmosphere and service quality variables were in the very high category because their mean values were between 3.24 and 4.00.

With the choice of tourists increasing and giving each other the concept of trust, with almost similar values, this makes tourists more curious and confused. The influence of quality, quality, price and persuasive persuasion will influence tourists continuously in weighing which one is the best, which is more in his heart. However, on the other hand, this condition actually shows the weakness of the Tourism Office that tourists are a determining factor for the future of one of the tourist attractions, with the confidence of tourists supporting the economy of the people in tourist sites, especially under the Semarang Regency Tourism Office. Currently the Semarang Regency Tourism Office uses posters and advertises through yellowpages as a medium for delivering information, from the promotional methods carried out there are still obstacles, including the use of posters and through yellowpages advertising, which is very limited in terms of size and information to be conveyed. Therefore, it requires a promotional media that is able to provide complete information about tourism profiles to potential tourists

This study explores how the Qadiriyya–Naqshbandiyya Suryalaya Sufi Order (TQN Suryalaya) integrates spiritual practice and metabolic health to strengthen community resilience during the COVID-19 pandemic. While global health responses have largely focused on biomedical interventions, this research emphasizes the complementary role of faith-based practices in promoting holistic well-being. Using a qualitative methodology—including in-depth interviews, participant observation, and document analysis of the 2020 Maklumat and Abah Aos’s letter to the President—the study identifies two interrelated pathways that underpin the Sufi lifestyle. The psychospiritual pathway encompasses the reduction of death anxiety through tawakkul (trust in God) and riḍā (contentment), emotional stability via dhikr (remembrance of God) and muraqabah (mindful awareness), and theological framing that interprets fear of Allah as the ultimate form of protection. These practices helped practitioners reframe pandemic-related uncertainties, mitigate stress, and foster emotional resilience. The metabolic pathway involves dietary simplicity, moderated caloric intake, physical worship routines, stress management, and structured sleep hygiene. Together, these elements supported immune competence and physical health, aligning with contemporary models of psychoneuroimmunology and holistic health promotion. Findings reveal that the TQN lifestyle does not only enhance individual mental well-being but also fosters social solidarity through communal worship, mutual aid, and spiritual counseling, thereby functioning as a culturally embedded form of faith-based social welfare. The study highlights the policy potential of incorporating Sufi practices into community health strategies and enriches interdisciplinary literature on religion, resilience, and social welfare. This dual-pathway model demonstrates that Sufi traditions can play a critical role in mitigating both the psychological and physiological impacts of global crises.

This study aims to determine the influence of Product quality. Service quality and Customer trust on Customer loyalty. Where is the independent variable consist of Product quality variable. Service quality variable, and Customer trust variable influences Customer Loyalty variable as the dependent variable. This research was conducted at Enterprise in Surabaya. Methods of data collection in this study is questionnaires filled out by the respondents are consumers of Enterprise that have been bought the blank wedding invitation cards at least twice. Taking sample of 50 respondents in this study using a purposive sampling method.

The purpose of this research is to compare customer satisfaction with package delivery services at JNE and J&T Makale City in Tana Toraja Regency. This research utilizes a descriptive quantitative research method. A questionnaire was issued to consumers of JNE and J&T as part of the data collection technique. There were a total of 1,085 participants in this research, including 300 JNE customers and 785 J&T customers. Using the Slovin formula, the researchers drew the same number of samples from the whole population in each site, up to 75 people. The Customer Satisfaction Index (CSI) was used for data analysis in order to calculate the expected level of product or service qualities based on an analysis of total customer satisfaction. The results showed that J&T consumers were more satisfied with the delivery services than JNE customers,  Therefore, the trustworthiness of the services offered by the Makale City JNT must be enhanced, J&T must increase the service quality in terms of assurances and physical evidence, as well as their responsiveness and sensitivity.

The purpose of this study was to determine whether or not the influence of customer experience, consumer confidence, prices and flight ticket purchasing decisions on the Traveloka application for UNIMAR AMNI Semarang Students. The sample in this study amounted to 52 respondents who used airline ticket services in the Traveloka application. By using probability sampling technique, namely by random sampling. Analysis of the data used in this study is descriptive analysis and quantitative analysis, the data were analyzed using multiple linear regression analysis with the help of (software) Statistical Package For Social Science (SPSS) version 26. The results of the study by partially testing the t-test hypothesis showed that Customer experience, consumer trust, and price have a positive and significant effect on purchasing decisions. Based on the research results, it can be seen that the research model of the multiple linear regression equation is Y= 0.095 + 0.484.X1 + 0.195.X2 +0.295.X3 + . From the regression equation, it can be seen that the most dominant variable affecting the increase in the number of passengers is the price variable with a regression coefficient of 0.095. And the R2 test (Adjusted R Square) obtained results of 0.780 or 78.0% which means that purchasing decisions are influenced by customer experience, consumer confidence and price variables which are 63.8% and other factors that influence passenger decisions are 36.2 % or 0.362.

The purpose of this study is to see and analyze how a retail business maintains its business, including maintaining customer loyalty. The research was conducted at a retail store in Sukabumi. Methods of data collection is done through observation and interviews with resources in the store. The results showed that: 1) retail stores in maintaining their business utilize various promo modules and involve the active role of all resources in the store; 2) retail stores provide all the best to consumers, through an attitude that prioritizes 5S, and strives to meet every consumer need, so as to maintain consumer trust and loyalty; 3) the ability to promote and good service makes retail stores can compete with competitors and can maintain their business.

Customer satisfaction is very important to a company's services, because satisfied customers will come back, buy more, spread the experience to another friend, and is willing to pay more to do business with a trusted provider. Efforts to maintain customer satisfaction one of which is to monitor what they want from the services that are presented. This study aimed to measure the level of customer satisfaction in the business of outdoor education and training, in which customer satisfaction is measured on the dimensions of perceived service and expected service. The population in this study is service users of the outdoor education and training at the Centre for Education and Training Managerial Behavior University of Wijaya Putra that training in January and June 2014, samples were taken by purposive random sampling technique amounts to 143 people. The variables of this study customer loyalty, service quality, perceived quality, perceived value, and customer expectation and customer complaints. Analysis of the data used is multiple linear regression analysis with hypothesis testing with the F test and t test. The expected outcome of this research is the acquisition of the factors that affect customer satisfaction on service providers of outdoor education and training, in terms of quality of service indicators (tangibles, reliability, responsiveness, assurance and empathy). The results show that there is good agreement between the performance perceived by the user's expectations of the outdoor education and training services. These conditions can be considered satisfactory by management for the success of providing the best service to users of the service. Cartesian diagram determine the right strategy for the management to improve service quality are a top priority especially.    

One of the assets owned by the company is employee work productivity, in order to produce good productivity for the company. To increase employee productivity, a good communication is needed in the company. A leader provides direction for his employees to communicate well and create a sense of comfort at work. This research was conducted to determine the relationship between work communication on employee work productivity at PT. Pelabuhan Indonesia (Persero) Regional I . This study used a quantitative method with data obtained by distributing questionnaires to 31 respondents who were the sample. Based on the values ​​obtained, it states that the T test with a significant value of work communication 0.000 <0.05 means that work communication has a positive and significant effect on work productivity in the HR & General services division for employees, so that the hypothesis Ho is rejected and Ha is accepted, and the results of the coefficient test determination is 82% while the remaining 17% is influenced by other variables outside of this study. So the advice that can be given is to improve work communication so that employees have good work productivity and understand the goals desired and trusted by the company.

Instagram users who are dominated by teenage users have become even more popular as a place to endorse by influencers. Teenagers who are still not mature enough in shopping are also targeted in making purchase impulsively. This study aims to analyze the impact of Instagram’s influencers on impulsive shopping lifestyle in adolescents in Batam. The research was done by collecting data using questionnaires and was analyzed using SEM and AMOS. The result showed that brand attitude and product attractiveness which were significantly influenced by attractiveness, expertise, and trustworthiness variables had a significant effect on impulsive buying intentions variables. The success of this endorsement is then used as a strategy to increase sales owned by product brands that target their market share in the teenager group.

The existence of the internet creates a new paradigm in word of mouth communication, the phenomenon of e-wom is considered an evolution from traditional interpersonal communication to a new generation. In a study conducted by Meybiani et al., (2019), the results showed that the e-WOM variable had no significant effect on consumer buying interest, while Lita & Auliya (2019) gave the result that online reviews had no significant effect on repurchase intentions, trust in consumers. web has a significant effect on repurchase intentions, online transaction security has a significant effect on repurchase intentions, privacy has a significant effect on repurchase intentions. Meanwhile, in a study conducted by Sari (2021), it was explained that E-WOM had a significant positive effect on repurchase intention. The purpose of this study is to analyze and explain the effect of online shopping experience and the effect of e-wom on repurchase intentions through e-trust. This study uses an explanatory research type, which tries to explain the relationship between the variables contained in the study. The variables in this study are online shopping experience, E-Wom, e-trust and repurchase intention. The minimum sample used is 89 respondents, the researchers will take a sample of 100 respondents. The Adjusted R² value of 0.295 means that the influence of the online shopping experience variable (X1) and the e-wom variable (X2) can explain the variation of changes in the e-trust variable (Y1) of 29.5%, the Adjusted R² value of 0.369 means the magnitude of the online influence shopping experience (X1), e-wom (X2) and e-trust (Y1) variables on repurchase intention (Y2) by 36.9%

Ada sebagian kondisi yang menyulitkan orang tua dalam menghadapi buah hati sehingga tanpa disadari mengatakan atau melaksanakan sesuatu yang tanpa disadari melakukan kekerasan pada anak yang bisa membahayakan atau melukai anak, biasanya tanpa alasan yang terang. Kejadian seperti inilah yang disebut kekerasan pada anak. Unsur- elemen yang mendorong terjadinya tindak kekerasan pada anak antara lain immaturitas/ketidakmatangan orang tua, kurangnya pengetahuan bagaimana menjadi orang tua, kemauan yang tak realistis kepada kecakapan dan perilaku anak, pengalaman negatif masa kecil dari orang tua, isolasi sosial, permasalahan rumah tangga, serta permasalahan obat-obat terlarang dan alkohol. Semua bentuk kekerasan pada anak secara lahiriah/jasmani terjadi saat orang tua frustrasi atau naik pitam, kemudian melaksanakan tindakan-tindakan agresif secara lahiriah, bisa berupa cubitan, pukulan, tendangan, menyulut dengan rokok, membakar, dan tindakan – tindakan lain yang bisa membahayakan si kecil. Sering penyiksaan lahiriah yakni hasil dari hukuman jasmani yang bertujuan menegakkan disiplin, yang tidak sesuai dengan usia si kecil. Banyak orang tua mau menjadi orang tua yang bagus, tapi lepas kendali dalam memecahkan perilaku sang anak. Penyiksaan emosi dengan  perbuatan merendahkan atau meremehkan   orang   lain   akan   mengganggu   pengerjaan   perkembangan   buah   hati selanjutnya. Dampaknya buah hati merasa tidak berharga untuk dicintai dan dikasihi, bayi tumbuh dalam kecemasan dan rasa tidak aman, lambat perkembangannya, atau alhasil mempunyai rasa percaya diri yang rendah. Bila berlangsung berulang-ulang dalam bentang waktu lama akan memunculkan cedera serius terhadap anak, dan meninggalkan bekas baik jasmani atau pun psikis, si kecil menjadi menarik diri, merasa tidak aman, sukar memaksimalkan trust kepada orang lain, perilaku merusak, dan sebagainya, seperti kurangnya rasa percaya diri,  kesusahan  membina  persahabatan,  perilaku  merusak  seperti  tiba-tiba  membakar barang atau berperilaku kejam terhadap binatang, beberapa mengerjakan agresi, menarik diri, penyalahgunaan obat dan alkohol, maupun kecenderungan bunuh diri. Agar anak terhindar dari kekerasan maka perlu upaya dari pemberdayaan masyarakat untuk terlibat secara aktif menurunkan angka kejadian kekerasan pada anak di saat pandemic covid. Edukasi tentang kekerasan pada anak dapat meningkatkan pengetahuan dan pemahaman keluarga sehingga keluarga mampu berfungsi dengan baik dan mampu menciptakan keluarga yang sejahtera.  

Management of zakat funds requires an institution that handles it in a professional, trustworthy and accountable manner, starting at the central level to the regional level (read: at the lower level it is called UPZ). UPZ (Zakat Collector Unit) is an institution that collects as well as distributes or distributes zakat, formed and officially issued by the local regional BAZNAS. The purpose of its establishment is in accordance with the mandate of Law No.23 of 2011 concerning zakat, namely by becoming UPZ BAZNAS, UPZ operations have been standardized according to the principles of proper zakat management. The services provided by UPZ BAZNAS are more optimal with the authority to provide Evidence of Zakat Deposit (BSZ) printed by BAZNAS. The BSZ can be used as evidence that the zakat paid can be calculated as a deduction from taxable income (zakat as deductible items). One area in East Java in Gresik Regency, Dukun District, has formed a UPZ which is coordinated by the Dukun District UPZ Coordinator who oversees several UPZs, be it Village UPZ or Mosque UPZ and Taklim Assembly UPZ. The existence of the UPZ Coordinator is quite effective in coordinating the management of Zakat, Infaq and Shodaqoh (ZIS) for Muzakki (Zakat Givers), or Mustahik (Zakat Recipients) and Munfiq (Shodaqoh Givers). The potential of ZIS in Dukun Subdistrict, Gresik Regency is quite high, both from the trade, agriculture or animal husbandry sectors as well as from the professions through Professional Zakat. From the early 2017 formation of UPZ until 2021, there was a significant increase. From simply recording ZIS acquisitions to making direct deposits to BAZNAS Gresik, the nominal amount of potential starts from the acquisition of 800 million rupiah to more than 3.5 billion in 2021. This is none other than community participation after going through education and socialization from the Coordinator UPZ either through official or non-official forums such as Friday Khutbah, Tarawih Kultum or existing Taklim Assembly activities.

There has been a lot of rapid growth in Micro, Small and Medium-sized Enterprises (MSMEs) in Indonesia in recent years. MSMEs are critical to the overall health of the national economy. They are responsible for creating jobs and generating profits, which in turn helps support other parts of the economy. The development of MSMEs is hoped to reduce the unemployment rate, which will result in an increase in people's purchasing power and growth in the country's economy. The purpose of the study is to see an overview of how business motivation and performance and the impact of business motivation on the performance of business actors. The population is 461 business actors. The sampling technique using the Slovin Formula was obtained by a sample of 81 people. The analysis method in this study uses descriptive and verificatif analysis consisting of regression analysis, correlation, coefficient of determination. The results of the descriptive analysis show that business motivation has a score of 81.36 which means that business actors have excellent business motivation with the lowest score on the expectation indicator and the highest score on the intensive indicator. As for the Business Performance variable, it has a score of 69.52 which means that business actors already have good business performance with the lowest score on the indicator of increasing sales and the highest score on the indicator of increasing profits. The results of the verificative  analysis Business motivation has a significant effect on business performance in the Sukaregang Kulit Industry Center, Garut Regency. Good business motivation is needed to support business performance.

Bank memiliki peranan penting bagi perekonomian nasional, bank merupakan jantung perekonomian Nasional, hal ini di karenakan uang yang mengalir ke bank kemudian diedarkan kembali oleh bank ke sistem perekonomian untuk menjalankan kegiatan perekonomian. Semakin berkembangnya suatu bank akan di iringi oleh tantangan yang harus di hadapi oleh bank sebagai Lembaga keuangan yang berdasarkan kepercayaan (agent of trust). Salah satu tantangan dalam menghadapi persaingan bank adalah laporan kinerja keuangannya. Mengingat masyarakat akan menilai dan cenderung untuk memilih bank dengan laporan kinerja keuangan yang lebih baik dengan alasan tingkat risiko yang akan di hadapi akan lebih kecil.

Mental health is very influential in the teaching and learning process, therefore it is important to maintain mental health so that the learning process runs effectively, one way to heal mental disorders such as emotional wounds is to do self-healing. This study discusses the comparison of the implementation of self-healing in Islamic boarding school students and students in public formal schools. By using a comparative research method with a qualitative approach and the data obtained through filling out a questionnaire (questionnaire) and interviews of 5 students and 5 students of state junior high schools. The results of the study show that there are differences in the implementation of self-healing in junior high school students and students based on where they are, the conditions and situations they are experiencing, students use self-healing more by drawing closer to Allah and putting their trust in God, while junior high school students are more able to do self-healing. Self-healing that students cannot do, such as using a mobile phone, is due to the rules that exist in Islamic boarding schools.

This study aims to determine the most significant factor statistically influencing customer satisfaction in the purchase transaction process using mobile commerce to test the moderating effect of customization or efforts to adapt m-commerce to consumer desires. Respondents who filled out the survey consisted of 125 respondents, spread over a span of 1 month, for customers who in the last 12 months have used m-commerce for buying and selling transactions. The results of this study are the customer trust factor, the perceived enjoyment factor when using m-commerce, the moderating effect of customization on usage benefits factor, and the customization factor are the 4 factors that most influence customer satisfaction. These findings are useful for M-commerce providers to focus their development on aspects of customer trust, customer enjoyment, and customization.