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PLN (Persero) UP3 Binjai is one of the PLN units responsible for the electricity distribution function. In the electricity business, its position is as an interface with customers. The aim of this research is to determine the effectiveness of using the PLN Mobile application in the customer service section at PLN UP3 Binjai. In collecting research data, a qualitative method was used consisting of interviews and observations as well as literature review, interviews were conducted to PLN employees in the customer service department and PLN mobile users. The results of the research are that the PLN Mobile Application is quite good and very useful for UP3 Binjai customers to fulfill electricity needs, complaints and grievances, however, socialization is not yet evenly distributed so that there are still PLN customers UP3 Binjai who have not used the PLN Mobile application. Apart from that, the PLN Mobile application also has a positive impact on both customers and PLN employees because it will be more effective and save time and energy for both customers and employees in resolving customer complaints.

The population and at the same time being the sample in this study are the debtors of Bank BRI Unit Bolu. Then the sampling to obtain information about the objects of this research is by means of homogeneous sampling in which the elements of the population studied have properties that are relatively uniform to one another. The samples taken in this study were 50 debtors. This study uses a quantitative descriptive approach in the form of questionnaires to debtors about credit granting procedures. Data collection techniques used were interviews, observations, and questionnaires. Data analysis techniques used are data percentage, data reduction, and data descriptive. The results showed that from the 5C assessment at Bank BRI Unit Bolu, it could be concluded that the distribution of People's Business Credit (KUR) was fully in accordance with the standards set by Bank BRI Unit Bolu, which can be seen from the results of the questionnaire obtained from 50 customers who were at a percentage value of 70% - 100%.  

This research discuesses the loss of Green Marketing, Social Media Marketing, and Promotion of Purchase Decisions in Mekar Swalayan Kediri. this research aims to find out the result of the influence of green marketing, sosial media marketing, and promotion on purchasing decisions in Mekar Swalayan Kediri. the method in this research in quantitative. Data collection techniques using primary data and secondary data. Sampling in this study using purposive sampling teachnique with 99 customers. Data processing uses validity test, reliability test, classic assumption test, multiple linear regression, t test, F test, and the coefficient of determination (R2). There is a partial effect between Green Marketing on Purchase Decision where the results of the t test obtained a significant value of 0,009 < 0,05. There is a partial effect between Social Media Marketing on Purchase Decision where the results of the t test show a significance value of 0,011 < 0,05. There is a partial effect between Promotion on Purchase Decision wehere the results of the t test obtained a significance value of 0,002 < 0,05. There is a simultaneous effect of Green Marketing, Social Media Marketing, and Promotion on Purchase Decision where the results of the F test get a significance value of 0,000 < 0,05.

The purpose of this study was to determine the effect of product, promotion and service quality on the decision to become a customer at Bank Syariah Indonesia KC Kuala Simpang. The type of research used in this study is quantitative. The data collection technique used is a questionnaire. The population in this study were all customers at Bank Syariah Indonesia (BSI) KC Kuala Simpang, which at the end of 2019 totaled 1242 customers, while the sample in this study totaled 93 people. Data analysis techniques using the classical assumption test, multiple linear regression test, hypothesis testing and coefficient of determination test. The results of the study show that the product influences the decision to become a customer at Bank Syariah Indonesia KC Kuala Simpang. This is evidenced by the sig value of the product variable, namely 0.006 <0.05 (significance level) and the t-count value of 3.932 > 1.9869 (t-table). Promotion influences the decision to become a customer at Bank Syariah Indonesia KC Kuala Simpang. This is evidenced by the sig value of the promotion variable, which is 0.019 <0.05 (significance level) and the t-count value is 2.531 > 1.9869 (t-table). Service quality influences the decision to become a customer at Bank Syariah Indonesia KC Kuala Simpang. This is evidenced by the sig value of the service quality variable, which is 0.025 <0.05 (significance level) and the t-count value is 2.145 > 1.9869 (t-table). Products, promotions and service quality simultaneously influence the decision to become a customer at Bank Syariah Indonesia KC Kuala Simpang. This is proven based on the results of the F test obtained a sig value of 0.000 <0.05 (significant level α) and F count of 7.814 and it is known that df1 = k-1 = 4-1 = 3 and df2 = N-k = 93-4 = 89 ( F table = 2.71). So that F count > F table (7.814 > 2.71).

Socio-economic relations are everything related to economic actions in meeting community needs such as clothing, food and shelter. In meeting economic needs, a person no longer looks at differences in ethnicity, race or religion. Kijang Island Village is the capital of Reteh District with land used as a coconut plantation by coconut farmers. The phenomenon that occurs is that farmers prioritize selling their harvest to tokeh in Kijang Island Village. This cannot be separated from the influence of a tokeh who is highly trusted by the community so that coconut farmers are very dependent on selling their harvest to the tokeh. The aim of this research is to find out about the socio-economic relations between farmers and coconut tokeh in Pulau Kijang Village, Reteh District, Indragiri Hilir Regency, Riau Province, as well as to find out the cooperative relationship between farmers and coconut tokeh in Pulau Kijang Village, Reteh District, Indragiri Hilir Regency, Riau Province. . In this study the method used was qualitative by checking the validity of the data using triangulation techniques. The results of the research show that the socio-economic relationship between farmers and coconut tokeh occurs because they have the same relationship goals, namely the goal of needing each other's help in buying and selling and receivables and tokeh needs farmers to become regular customers.

This research aims to determine the effect of service quality and customer satisfaction on customer loyalty and also aims to increase customer loyalty. This research used customers of Bank Syariah Indonesia KCP Medan Iskandar Muda 1 in Medan City as respondents in filling out the questionnaire as many as 170 customers. The tests used in this research are data quality tests, classical assumption tests, influence tests and hypothesis tests. From the results of this research, it was found that the influence of service quality on customer loyalty is a significant influence where the significance value is 0.001 < 0.05 and tcount is greater than ttable (3.245 > 1.653), the influence of customer satisfaction on customer loyalty also has a significant influence where the significance value is 0.000 < 0.05 and tcount is greater than the table (3.742 > 1.653) and simultaneously service quality and customer satisfaction have a significant effect on customer loyalty where the significance value is 0.000 < 0.05 and fcount is greater than ftable (23.982 > 3.05). Meanwhile, the R2 value of 22.3% of this research is influenced by service quality and customer satisfaction variables, while the remaining 77.7% is influenced by service quality and customer satisfaction variables. influenced by other variables not examined in this study.

This research aims to partially and simultaneously explain the influence of price discounts and business communication on customer loyalty in purchasing Tofu Sticks at the Aqia Kediri Store. This type of research uses quantitative research. Data sources use primary data and secondary data. The sample in the research was 87 customers who purchased Toko Aqia Kediri's Tofu Stick using purposive sampling technique. The analysis techniques used are validity test, reliability test, normality test, linearity test, multicollinearity test, heteroscedasticity test, t test, F test, multiple linear regression analysis, t test, F test and coefficient of determination (R2) test using the SPSS program version 25. The results of this research are that partially the price discount variables and business communication have a positive and significant effect on customer loyalty in buying tofu sticks at the Aqia Kediri Store. Simultaneously, the variables of price discounts and business communication have a significant effect on customer loyalty in purchasing tofu sticks at the Aqia Kediri Store.

PT Jaya Kencana is a company engaged in the field of mechanical and electrical contractors. One of the divisions at PT Jaya Kencana is engaged in the elevator escalator service division. This division is a division that offers elevator and escalator maintenance services. Where in this division the level of customer satisfaction is needed for the progress of the company. The independent variables in this study are marketing relationships and technician performance. The dependent variable in this study is customer satisfaction. The research uses statistical quantitative methods by determining the minimum number of samples using the slovin formula. The sample in this study was 101 respondents. Marketing relationship has a t count > t table (3.932 > 1.9844) with a significant value of 0.00 <0.05, which means that marketing relationships have an effect on customer satisfaction. Technician performance has a t count > t table (5.530 > 1.9844) with a significant value of 0.00 <0.05, which means that technician performance has an effect on customer satisfaction. Marketing relationship and technician performance have a significant value of 000 <0.05 and F count > F table (160.776 > 3.94), which means that marketing relationship and technician performance have a significant simultaneous effect on customer satisfaction. The results of this study can be used as input for related companies and can be used as an evaluation to increase company customer satisfaction.

The objective of this article is to examine the elements that impact the inclination of customers of Indonesian Islamic banks, specifically those in KC Medan Ahmad Yani, to utilize mobile banking. Technology has significantly influenced people's lives, and the banking industry has utilized the internet to enhance their services. This has resulted in the emergence of mobile banking, which refers to banking services accessed through mobile phones or, in other words, phone banking. Mobile banking, along with services like ATMs and credit cards, has become essential for Indonesian banks to expand their target market. Currently, mobile banking serves as a primary focal point and an effective operational strategy for banks to enhance their services.The purpose of this analysis is to identify the factors that influence customers' interest in using mobile banking and the strategies employed to increase customer engagement. Additionally, the study aims to ascertain whether mobile banking can be employed as a marketing strategy to drive customer growth at Bank Syariah Indonesia KC Medan Ahmad Yani. Data collection for this research is conducted through a questionnaire, which includes inquiries intended to gather relevant information.

This research aims to determine the influence of customer value and product variety on Soehendar Coffee customer satisfaction. Data collection techniques use observation, questionnaires and literature study. The sample in this study was 30 respondents with the sampling technique being purposive sampling, namely customers who had purchased Soehendar Coffee products at least once. The data analysis technique uses multiple linear regression analysis. The research results show that partially, neither customer value nor product variety have a significant influence on Soehendar Coffee customer satisfaction. Simultaneously, customer value and product variety have a significant influence on Soehendar Coffee customer satisfaction.

This research aims to describe the application of the precautionary principle in dealing with bad credit and to determine the assessment in providing financing to PT. BSM Kcp Script. This type of research is descriptive qualitative, data collection techniques use interviews and documentation, data analysis uses qualitative data analysis techniques using inductive thinking, and this research data uses primary data sources obtained from supporting sources, namely books, the internet and literature. other. PT. BSM Kcp Aksara has applied the precautionary principle in bad credit using the 5C principle analysis, which includes Character, Capacity, Capital, Condition and Colliteral as well as producers that customers must go through in submitting financing applications, providing financing, paying financing installments and obstacles to bad credit. . The results of this research, PT. BSM Kcp Aksara in implementing the principle of prudence in the financing that has been carried out is not good enough, BSM provides financing by emphasizing the 5C principle which includes Character, Capacity, Capital, Condition and Collateral. The important thing in providing financing to customers is Collateral (Guarantee). Judging from the results of customer data, the 5C principle has not been able to completely prevent bad credit due to the Account Office (AO) being less careful in analyzing financing. However, BSM's consistency in handling problematic financing customers has been carried out according to producers by collecting them periodically and providing warning letters I, II and III in stages.  

This study aims to analyze the effect of inflation, financing to deposit ratio (FDR), and operational efficiency on return on assets (ROA) in the financial sector. ROA is an important performance indicator for financial companies, because it reflects the level of profitability of the assets owned. The research method used is regression analysis with annual data from various financial companies during the study period. Inflation is measured using the consumer price index (CPI), FDR describes the ratio between loans provided by banks and deposits received from customers, and operational efficiency is measured by the ratio of operating costs to operating income. The results of this study provide useful insights for the management of financial companies in facing challenges from economic and operational factors. To increase ROA, companies need to consider effective inflation risk management strategies and optimize the FDR ratio, while still focusing on improving their operational efficiency.

The purpose of this study was to determine the supporting and inhibiting factors in Murabahah financing at Bank Sumut Syariah Sub-Branch Lubuk Pakam and the results of the analysis of the application of the 5C principle in Murabahah financing at Bank Sumut Syariah Sub-Branch Lubuk Pakam. This research method uses descriptive qualitative research. While the data is done using observation, documentation and interview techniques. The data analysis model used in this research is qualitative analysis of the Miles and Huberman model, namely by reducing data, presenting data and drawing conclusions. The results in this study indicate that: Internal obstacles faced by Bank SUMUT Lubuk Pakam Syariah Sub-Branch in applying the 5C Principle, namely; limited customer information, limited technology, product suitability, property valuation, supervision and control, economic and industrial conditions. And external constraints faced by Bank SUMUT Lubuk Pakam Syariah Sub-Branch in applying the 5C Principle, namely; macroeconomics, changes in government policy, public consumption patterns, political uncertainty, regulatory changes.

The development of business in the current era is very promising, there are many opportunities and challenges for a company. Companies will compete with each other to be able to meet consumer needs, thus companies must be able to compete with other companies so that they can survive the competition that occurs Along with the times that have entered the Asean Economic Community (AEC), the era of globalization has resulted in many new businesses emerging which can lead to competition figures, quantitative research is research based on empirical philosophy with statistical data analysis with the aim of explaining and selling hypotheses. The researcher chose this type of quantitative research because he wanted to know and prove the effect of product quality and service quality on customer satisfaction 3Second in West Jakarta. This study used an associative design which can be used to see the effect of two or more variables. Based on the f testing criteria it can be seen that the significant value is 0.000 or less than 0.05, it can be stated that there is a significant simultaneous influence on promotion (X1) and product quality (X2) on purchasing decisions (Y). Brand image has a significant effect on product quality. On the results of the t test, a significant value of the brand image variable was obtained at 0.000 ± 0.05, which means that brand image has a significant effect on consumer satisfaction. Product quality has a significant effect on product satisfaction 3seconds. In the results of the t test, a significant value of the product quality variable is obtained at 0.000 0.05, which means that product quality has a significant effect on consumer satisfaction.

The trust, service and communication that exist between PT Telkom Witel Yogyakarta Government segment and its customers will make this relationship marketing strategy key in efforts to maintain customer loyalty. The purpose of this internship activity is to find out and learn good relationship marketing strategies in maintaining customer loyalty. The research method carried out by the author is a qualitative method, while the data used is primary data and secondary data. The descriptive data analysis technique used in this research is to produce a systematic, realistic and accurate picture of the relationship marketing strategy carried out by PT. Telkom Witel Yogyakarta Government Service segment in retaining customers. Results of interviews and observations of PT's Government Segment Relationship Marketing strategy. Telkom Witel Yogyakarta in Maintaining Customer Loyalty is a strategy of direct sales (direct marketing), customer service, loyalty programs, business visits and maintaining product quality.    

This study aims to determine: (1) The effect of brand trust on brand loyalty (a study on FISIP USN Kolaka students). (2) The effect of consumer involvement on brand loyalty (a study on FISIP USN Kolaka students). This study uses an approach with quantitative methods. Collecting data in this study using observation, documentation and questionnaires. The population of this study were FISIP students at the Nineteen November University of Kolaka. While the sample of this study amounted to 91 respondents by determining the sample using probability sampling technique. Testing research instruments using validity and reliability tests with SPSS 25. The data analysis technique used in this study is Structural Equation Modeling (SEM) based on Partial Least Square (PLS) through measurement model tests (outer model) and structural model testing (inner model). ) with Smart PLS 3.0. Based on the research results, it is known that the variable Brand Trust has a positive and significant effect on Brand Loyalty as indicated by the P-Values of 0.000. As well as the variable Consumer Involvement also has a positive and significant effect on Brand Loyalty as indicated by the P-Values of 0.003.  

Dui April Yani Simangunsong's research (2023) Thesis entitled "The Influence of Service Quality, Trust, and Satisfaction on Customer Loyalty (Case Study of Bank Sumut Syariah Kcp Lubuk Pakam)" with thesis supervisor 1 Mrs. Annio Indah Lestari, M,Si and supervisor 2 Mr. Muhammad Lathief Ilhamy Nasution, M.E.I This research aims to examine the influence of service quality, trust and satisfaction on customer loyalty (case study of Bank Sumut Syariah Kcp Lubuk Pakam) both partially and simultaneously. The type of research used is quantitative research with questionnaire data collection techniques with Likert scale measurements. The subjects used in this research were customers who saved at the North Sumatra Sharia Bank as many as 100 respondents and were taken using sampling techniques. Data analysis techniques using Spss statistics 25. The results of this research show that: first, Service Quality has a positive and significant effect on Customer Loyalty, with a value of tcount > ttable (9.575 > 1.661) and a significant value of 0.042 < 0.05. Second, Trust has a positive and significant effect on Customer Loyalty with a value of tcount > ttable (8.748 > 1.661) and a significant value of 0.026 < 0.005. Third, satisfaction has a positive and significant effect on customer loyalty with a value of tcount > ttable (7.300 > 1.661) and a significant value of 0.037 < 0.005. Fourth, Service Quality, Trust and Satisfaction, on Customer Loyalty with a value of Fcount > Ftable (37.449 > 2.47) and a significant value of 0.000 < 0.005.

This research aims to find out and analyze how much influence religious commitment and Islamic product attributes have on customer trust in using the services of a case study sharia financial institution at Bank Sumut, Lubuk Pakam Syariah Sub Branch. This research uses a quantitative type of research with one dependent variable, namely customer trust and two independent variables, namely religious commitment and Islamic product attributes. This research uses primary data, using data collection methods through questionnaires. The data analysis techniques used in this research are descriptive tests, validity tests, reliability tests, classical assumption tests (normality test, multicollinearity test, heteroscedasticity test) and hypothesis tests (coefficient of determination test (R2), partial significance test (t-test) , simultaneous significance test (f-test) and multiple linear regression test)). The results of this research reveal that religious commitment has a positive and significant effect on customer confidence in using the services of sharia financial institutions based on test results which show that the coefficient table shows that the tcount value is greater than ttable, namely 19,245 > 1,666 with a probability value of 0.915 or smaller than 5 % (0.05). And Islamic product attributes have a positive and significant effect on customer trust based on test results which show that the coefficient table shows that the tcount value is greater than ttable, namely 6,125 > 1,666 with a probability value of 0.108, meaning it is smaller than 5% (0.05). Islamic product attributes and customer trust simultaneously have a positive and significant effect on customer trust. From the results of the F test with df(n1)=k-1=2 and df(n2)=n-k=32, it is obtained that Fcount is greater than the ttable value, namely 189.181 3.12 with a significance level of 0.000, it means it is smaller than 5% (0.05).

Griya Takeover Financing is one of the financing companies owned by BSI KCP Kuta to meet customers' financial needs. However, this financing often encounters problems in the takeover process. The aims of this study are: to find out the factors that lead to a murabahah contract in the financing of a takeover griya at BSI KCP Kuta and to find out the process of financing the griya takeover at BSI KCP Kuta. The research method used is a descriptive qualitative method with data collection techniques through observation, interviews, and documentation. The data analysis technique used is the Miles and Huberman model, which includes data collection, data reduction, data presentation, and data verification. data validity technique with the triangulation technique. The results of the study found: 1) There are factors that cause a murabaha contract to occur, namely the presence of the object of the contract; 2) The murabaha contract process by submitting asset documents to the consumer as a sign of consent qabul with the consumer. And financing for takeover houses that are free from usury in accordance with the Fatwa of the National Sharia Council, MUI No.04/DSN-MUI/IV/2000, dated April 1, 2000, conceming murabaha.; 3) The process of financing takeover housing includes BSI having the terms and benefits of financing takeover housing. To attract consumer, as well as with light installments, one of the benefits of takeover financing at BSI is that consumers still feel able to meet other needs.

Bank Syariah Indonesia Renon Denpasar Branch Office as an institution engaged in the financial sector is certainly inseparable from marketing strategies as a support for its growth and development. The marketing strategy aims to support banks in achieving success and as a measure of banking performance. So  that a marketing mix is also needed to achieve banking goals and objectives so that it can increase the number of customers in the bank. The focus of the research 1. How is the marketing mix strategy of  mitraguna blessing financing products in increasing the number of customers at PT Bank Syariah Indonesia Renon Denpasar Branch Office? 2. What are the obstacles faced in implementing the marketing mix strategy for mitraguna  blessing financing products to increase the number of customers at PT Bank Syariah Indonesia Renon Denpasar Branch Office? Research Objectives 1. To find out the application of the marketing mix strategy of financing mitraguna blessing in increasing the number of customers at PT Bank Syariah Indonesia Renon Denpasar Branch Office. 2. To find out the obstacles faced in implementing the marketing mix strategy of financing products mitraguna blessing to increase the number of customers at PT Bank Syariah