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development of sharia economics in Indonesia, sharia financial institutions, especially Baitul Maal Wat Tamwil, have the main goal of being able to help and alleviate problems, especially the problem of limited capital based on Sharia principles. Because many entrepreneurs have limited business capital. Therefore, with this research, entrepreneurs who need it will have information about the financing mechanism with a Mudharabah agreement, for those who have limited business capital. BMT UGT Nusantara has several financing products, one of which is the mudharabah contract. Mudharabah financing is an agreement where the shohibul maal provides funds to the mudharib with the profits divided according to the profit sharing and nibah agreed at the beginning of the contract. The mudharabah financing mechanism at BMT UGT Nusantara Kepanjen requires members to fulfill the requirements, then the BMT will carry out analysis and observations to ensure the eligibility of the recipient of the financing, if it has been approved they will inform you of the disbursement of funds and carry out an agreement. When the contract is executed, BMT and the customer enter into an agreement on the division of the ratio and margin. This research uses qualitative methods, with field research and interviews with BMT staff as a means of obtaining information

This research employs a quantitative research methods to analyze the important role of Public relations (PR) in building brand equity and the existence of Wuling Air EV electric car products in Indonesia. In an era that increasingly emphasizes environmental issues, the automotive industry is turning to environmentally friendly vehicles such as electric cars. Wuling, as a newcomer in this market, faces challenges in building consumer trust and competing with established brands. Through effective PR strategies, such as media relations, digital campaigns, and active participation in social media, Wuling strives to increase brand awareness, positive image, and customer loyalty. With a focus on educating consumers about the benefits of electric vehicles, Wuling Air EV is expected to maintain and strengthen its position in the competitive automotive market.

This research aims to (1) determine sharia marketing strategies in increasing consumer buying interest carried out by Safira cafe owners in the reviewing village of Mare Sebo Ulu sub-district, Batang Hari district. (2) To find out the obstacles faced in efforts to increase consumer buying interest at Safira Cafe. This research uses descriptive qualitative methods. The data collection technique in this research uses observation, interview and documentation techniques. The theory used in this research is the theory put forward by Abuznaid formulating the definition of sharia marketing, namely, wise decisions in order to satisfy customer needs through good behavior, providing healthy products or services (halalan thoyyibah) with the approval of both parties (seller and buyer). ) in order to achieve material and spiritual prosperity, this world and the hereafter through an ethical world. Apart from that, the theory used by Kotler, marketing is a way in which companies involve consumers, build good relationships with consumers and create value for consumers, so as to get good value or response from consumers in increasing profits and consumer feedback. The 4P marketing strategy used is, product, price, place and promotion. The results of this research show that, the marketing strategy carried out by Safira Cafe to increase revenue is with product strategies starting from improving the quality of the products presented, product health, product cleanliness and product halal. Pricing strategy, Safira Cafe has set affordable, relatively cheap prices. The prices offered by Safira Cafe are affordable and cheap in accordance with the economy of the community in the review village and are suitable for all teenagers and adults. Place strategy, safira cafe prioritizing the cleanliness of the place and consumer comfort while at the Safira Cafe. Promotional strategy, Safira Cafe does not promote via social media, only promotes by word of mouth, but quite a few people already know about the existence of Safira Cafe. Meanwhile, the income earned by Safira Cafe is still relative or fluctuating, namely depending on the number of visitors.

The evolution of technology has changed consumer behavior, especially in terms of online shopping in e-commerce, which has resulted in marketplace platform competition increasing significantly.  This study aims to examine the effect of customer ratings and reviews on purchasing decisions on Somethinc skincare products in Prambon sub-district, Sidoarjo Regency. This research adopts quantitative methods. Data were analyzed using SPSS software. The results showed that there was a positive and significant influence between ratings on purchasing decisions, as well as customer reviews also showed a positive and significant influence on purchasing decisions for Somethinc products in e-commerce.

This article is a literature review that discusses challenges and opportunities in the development of Sharia banking in the digital era. With the rapid development of technology, the Sharia banking industry is faced with various changes that affect operational methods, services, and interactions with customers. This study explores the various challenges faced by Sharia banking in the digital era, such as data security, technology integration, and regulatory adaptation. In addition, this article also discusses the opportunities that open up for the development of Sharia banking in the digital era, including the potential to increase financial access for the community, the development of innovative products and services, as well as the strengthening of relationships with customers through digital platforms. By understanding these challenges and opportunities, the Sharia banking industry can formulate the right strategy to take advantage of the potential of digitization in expanding coverage and improving sustainability.

This study investigates the perception of the public's perception of cashless transactions, the implementation of the Quick Response Code Indonesian Standard (QRIS) by Bank Indonesia, and the impact of QRIS on the volume of cashless transactions as well as the challenges and opportunities for its development. volume of non-cash transactions as well as challenges and opportunities for its development. Methods qualitative method with a literature research approach was used. Data and information were collected from various reliable sources, such as scientific journals, books, and relevant articles. The results show that the implementation of QRIS has increased the adoption of cashless transactions, especially in 2022. This helps MSMEs as it speeds up their operations and expands their customer base. their customer base. However, infrastructure issues, uneven digital literacy, and security threats such as uneven digital literacy, and security threats such as fake QR code scams are the challenges faced. More efforts are needed to improve digital literacy literacy and developing adequate technological infrastructure to ensure the benefits of the benefits of QRIS can be enjoyed by all levels of society.  

: For companies across industries, the integration of the Internet of Things (IoT) and management information systems (MIS) offers great potential for digital transformation. This publication explains the benefits and drawbacks of integrating IoT into MIS and how this technology can improve customer experience of products and services, in-depth data analysis, operational efficiency, energy efficiency, and creativity. Implementing IoT in SIM is not without challenges, because there are issues such as data security, interoperability, infrastructure availability, advanced data management, data protection and ethics. With a clear understanding of these pros and cons, companies can take the necessary steps to take full advantage of IoT integration in MIS while maintaining operational security, data protection, and Masu requirements.  

In the rapidly developing digital era, online businesses face increasing challenges to achieve significant profits without sacrificing spending efficiency. To overcome this challenge, an optimal online marketing strategy is needed that can reach the right target market without significantly increasing operational costs. This journal discusses several online marketing strategies that are effective in increasing profits relevant to expenditure. From a deep understanding of the target market to the use of social media and careful data analysis, every step taken is based on the principles of efficiency and effectiveness. By implementing the right marketing strategies, businesses can increase their visibility online, attract more potential customers, and increase sales conversions without having to exceed their available budget. Thus, this journal provides practical guidance for business owners and marketers to achieve success in their online sales without sacrificing profitability.

The study aims to analyze the influence of business communication and social media on the growth of Warkop Seulawah Kupi in Medan City. The number of customers and popularity of Warkop Seulawah has increased in recent years. It is suspected that the main factor in this development is the effective use of social media and good business communication with suppliers, distributors and other business partners. The method used is quantitative using multiple linear regression analysis techniques . The research results show that the two independent variables of business communication and social media have a positive and significant influence on the business development of Warkop Seulawah. The results provide traditional businesses with an understanding of how important it is to utilize social media and business communications to face competition in the digital era.      

This research aims to understand the communication carried out by PT Digimarly Solusi Digital in carrying out the lobbying and negotiation process with clients so as to create mutually beneficial cooperation. The theory applied in this research is Persuasion Communication Theory because this theory is related to the lobbying and negotiation process where individuals or groups involved in the lobbying and negotiation process must have the ability to convince interested parties to agree and adopt a certain attitude, statement, opinion, and behavior. The methodology used is qualitative research, with the research subject being PT Digimarly Solusi Digital which is a social media service company that provides digital marketing consulting services to the community, especially MSME players. Data was collected through in-depth observations and interviews with the Head of Department of Sales and CRM (Customer Relationship Management) as well as through library research. The results showed that the lobbying and negotiation strategies applied were Direct Lobbying and Win-Win Solution with the Cognitive Problem and Networking approach methods which aimed to equalize perceptions between PT Digimarly Solusi Digital and clients so as to find a mutually beneficial cooperation agreement between the two parties and maintain a long-standing good relationship.

A skill in women's entrepreneurship is needed because it can increase income in the Jember Regency area. Women who have skills tend to be more able to start and run their businesses well. With good skills, it is also more possible for women to be more flexible in facing an economic challenge. A business also needs the right marketing strategy and in accordance with the target market to be targeted. This strategy is useful for facing challenges or obstacles that exist in a women's entrepreneurship. This study aims to determine the influence of women's entrepreneurial skills in increasing income in Jember Regency using Tony Barnett's theory of social movements. In this study, the research method used is qualitative with data collection techniques through observation, interviews, and documentation. The results of this study show that women's entrepreneurial skills in increasing income are still very effective to be carried out because these skills are useful for attracting the attention of customers to be interested in buying the products that have been offered. It needs to be improved in terms of promoting the products offered so that the social media owned is more crowded and the products are better known by many people, especially among students.  

This study aims to examine the role of customer satisfaction and trust as determinants of loyalty in Grab online transportation services in Medan City. The research method used is a qualitative approach with a survey method. Data collection was carried out through the distribution of online questionnaires to 60 respondents selected using purposive sampling technique. The data were analyzed descriptively using a Likert scale. The results showed that customer satisfaction, which includes service quality, driving experience, driver professionalism, vehicle cleanliness, and complaint handling, was rated quite well by the respondents. Customer trust in Grab as a safe, transparent, and reliable transportation choice has also proven to be an important factor in building loyalty. However, customer loyalty to Grab is not very strong, given the intense competition in the online transportation industry. The implication is that Grab and similar companies need to continue improving service quality, ensuring customer safety and comfort, responding to complaints effectively, and implementing effective marketing strategies to retain customers. This research provides valuable insights for online transportation service providers in their efforts to enhance customer satisfaction, trust, and loyalty amidst dynamic market competition.

The aim of carrying out this research is to find out the implementation of the Sharia productive financing program in increasing income at PT Pemodalan Nasional Madani Syariah Pujon. The type of research used in this research is field research (Field Research). This research approach is descriptive analysis. This research aims to determine the impact of the Sharia productive financing program on increasing the income of women's MSMEs in Pujon. In preparing this research, the author clarified the data sources into 2 types, namely: 1) Primary data; 2) Secondary Data. Data collection techniques in this research were obtained through the following methods and stages: 1) interviews; 2) Observation and 3) documentation. The results of this research are the productive financing application mechanism at PT Permodalan Nasional Madani, namely that prospective customers submit applications by bringing initial documents and filling in the financing application form. Customers who take out or carry out productive financing with PT Permodalan Nasional Madani as a business need, the micro-business runs by the customer experiences an increase in income. So that with this financing, the business run by the customer can develop and increase the customer's income. By increasing the stock of goods or equipment in the business run by the customer, the business also experiences progress in terms of income, production and performance

The economic sector is currently experiencing rapid development, including the informal business sector that aims to fulfil the needs of life. Street vendors (PKL) are included in this sector with small capital and businesses that are private or group, utilising the crowd. Along with economic development, competition among street vendors is getting tighter, including in the Wirabraja canteen field, Bukittinggi, the majority of which are engaged in the culinary sector and children's entertainment. This study aims to determine the strategies to increase income and the obstacles faced by street vendors using Business Model Canvas (BMC) analysis. This research is descriptive qualitative with data collection methods through observation, interviews, and documentation. The results showed that Wirabraja canteen field vendors already know the strategy of increasing income and overcoming natural obstacles such as weather by bringing their own equipment. Income generation strategies are analysed through two important elements of BMC, namely Customer Segments and Customer Relationships.

This study aims to analyze the promotional strategies used by Micro, Small and Medium Enterprises (MSMEs) Coffee Shop, especially Triple Seven Pangkalpinang, through social media. The method used is descriptive analysis with a qualitative approach, where data is collected through direct observation, interviews with the owner, and documentation studies. The results showed that Triple Seven Pangkalpinang has implemented various promotional strategies through social media. In addition, it was found that the promotional strategy succeeded in increasing brand awareness and increasing customer interaction. In conclusion, the use of social media as a promotional tool for MSME Coffee Shops such as Triple Seven Pangkalpinang helps in the effectiveness to increase visibility and customer engagement, as well as strengthen their position in Pangkalpinang's local coffee industry.

In an increasingly digital era, traditional marketing must be equipped with digital strategies to compete in the global market. The purpose of this study is. develop an effective digital distribution strategy to increase brand awareness and sales of Batik Tulis Asthina. The research method used is a case study with a qualitative approach. Information was also obtained from interviews with the owners. The results show that the use of Tokopedia's social media such as Instagram, Facebook, and Shopee significantly increases brand visibility and interaction with customer

This research highlights the importance of social capital in the development of home laundry businesses in Jember. Starting from the significant contribution of MSMEs to the Indonesian economy, especially in creating jobs and driving the economy, the focus of this research is the laundry business as a type of service business that continues to grow. The aim of this research is to analyze the factors that influence the welfare of laundry business actors in Jember, as well as how social capital can be used to overcome challenges such as tight competition and limited capital. This research uses a qualitative descriptive approach with data collection methods in the form of in-depth interviews, observation and documentation. The research results show that social capital through customer networks, local partnerships, and response to feedback can improve the performance and desirability of laundry businesses. The implications of this research emphasize the importance of social capital-based strategies in strengthening relationships with customers and local communities to achieve sustainable business success.    

The global market offers great growth opportunities but is also challenging for firms. This research aims to understand how companies can successfully enter and survive in the global market. The research method used is a literature study to analyze the company's business strategy. The results show that McDonald's (McD) is a successful example of entering the global market by using effective franchising and marketing strategies. The franchise strategy allows adaptation to local culture and builds a strong customer base. McD's marketing strategy emphasizes creative promotions and improved product quality.From the research conducted, it is known that a combination of effective business adaptation and marketing strategies can lead to global success in the food industry. McD is an example of how companies can succeed in a competitive global market.  

Price is very important in marketing strategy because it interacts with all other aspects to determine the overall effectiveness of the strategy. Pricing objectives should be aligned with overall marketing objectives. The aim of this research is to find out the pricing strategy used by one of the Hannochs distributors in Tembung in facing competition between other distributors. The research method used in this research is descriptive qualitative. The technique used to obtain data in this research was an interview with one of the Hannochs distributors and also using literature study techniques. Based on the results of interviews, Hannochs distributors in Temhung face competition by setting prices based on comparisons with other stores, providing bonuses, and using discount strategies to attract customers. They also make price changes to maintain consumer appeal even though the profits taken are lower. This strategy is successful in increasing customer loyalty because prices are cheaper than competitors.

This research focuses on the influence of influencers and customer reviews on Avoskin skincare purchases on social media, especially in digital marketing. The goal is to understand their role in consumer behavior, and explore effective marketing strategies to increase sales and loyalty. It aims to provide insight into the importance of influencers and customer reviews in Avoskin's digital marketing success. The research focused on Avoskin Skincare users, by collecting field data through questionnaires to 107 respondents who met the criteria. A quantitative descriptive approach was used to analyze the influence of beauty influencers on purchasing decisions. An online survey was used to explore respondents' opinions about influencers, interest in products, reviews, and purchase factors. Data analysis was conducted descriptively with a table of survey results.This study tested three hypotheses about the influence of influencers and user reviews on purchasing decisions. The first and second hypotheses are supported by previous research, showing the significant influence of influencers and user reviews. The results of the third hypothesis show that both jointly influence purchasing decisions with strong statistical significance. This confirms the important role of influencers and user reviews in shaping consumer purchasing decisions. The results of the study using IBM SPSS 29 confirmed that influencers and customer reviews have a positive and significant impact on purchasing decisions, encouraging consumers to purchase Avoskin skincare products in accordance with the hypothesis. However, this study has limitations in population and references, and only considers three variables. It is recommended that similar studies expand the population and consider additional variables for a more comprehensive analysis.