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Mudharabah financing is used by MSME customers and non-MSME customers in Sharia banking practices because there is minimal risk for both the Sharia bank and the customer. However, the PPKM pandemic is sweeping the world so many people are affected, one of which is MSME customers, which has an impact on the performance and ability to pay MSME customers' obligations to banks. The aim of the research is to analyze the implementation of financing restructuring during the PPKM period and to analyze the supporting and inhibiting factors in implementing financing restructuring during the PPKM period at Bank Syariah Indonesia KC Gatot Subroto, Jambi City. Restructuring has been implemented since the inception of Bank Syariah Indonesia (BSI). The supporting factors in the implementation of restructuring at Bank Syariah Indonesia (BSI) are internal factors originating from the bank and external factors originating from the customer, while inhibiting factors in its implementation are the lack of openness or dishonesty of customers towards the bank when asked for information, lack of communication when want to be asked for information or lack of transparency, and lack of personnel or staff who understand well the implementation of restructuring. Bank Syariah Indonesia (BSI) is expected to be more careful and more selective in analyzing the provision of financing so that it will minimize the occurrence of problematic financing in the future and the analysis that must be carried out by Bank Syariah Indonesia (BSI) in carrying out restructuring is expected to be guided by the bank's regulations and rules. established sharia rules.

The cost of funds ratio is a matrix used to carry out analysis in financial reports to evaluate banking financial performance by connecting various factors that influence the cost of funds ratio. Financial ratio analysis is part of business analysis that assesses a company's prospects and risks. Cost of funds ratio analysis describes the relationship between the amount of money and the company's burden in managing these finances to increase profitability. Cost of funds ratio analysis method. Research was conducted to identify information related to cost of funds ratio analysis in banking. The research results show the significant impact of financial ratio analysis on the financial performance of banking companies in Indonesia. Suggestions include increasing LDR, reducing NPL, controlling operational costs, and improving customer service. It is also recommended that the banking industry be able to reduce the cost of funds ratio regularly to improve its financial performance.

Marketing strategy is influential in providing satisfaction for service customers, including educational services. With a marketing strategy, it can encourage customer satisfaction for educational services. This research approach uses quantitative methods. The sampling technique in this study used Simple Random Sampling, which was as many as 34 students. The data collection technique is using a questionnaire. The data analysis technique used is simple linear regression. the following results of calculations using Microsoft excel equipped with SPSS 22 show the results of the study that there is an influence between marketing strategy (X) on customer satisfaction of education services (Y) at Raudhatul Athfal Darunnajah 2 Cipining, it is proven that the coefficient of determination of the summary model table value R square = 0.319, to determine the magnitude of the effect of variable x on variable y by 32%. So the results of the coefficient of determination show that 32% of marketing strategies contribute to customer satisfaction in education services, while the rest is 100% - 32% = 68% others are influenced by other factors.

Pharmaceutical Services at the Hospital is an integral part of the Hospital's health care system that is patient-oriented, providing Pharmaceutical Preparations Medical Devices, and Medical Materials that are quality and affordable for all levels of society including clinical pharmacy services (Anonymous, 2016) Besed on the Decree of the Minister of Health of the Republic of Indonesia No 179 Menkes/SK/11/2008, the SPM indicator of hospital pharmacy services includes the waiting time for drug services to be a maximum of 30 minutes while the maximum concoction drug is 60 minutes, the absence of medication errors, stalaction customers at least 80% and prescription writing all must refer to the Hospital formulary This study aims to find out the Waiting Time (Respond Time) of Prescription Services for Finished Medicines and drugs mixed with BPJS patients Outpatient in Bangil Hospital. This research is a non-experimental research with descriptive approach, namely the type of research approach to obtain an overview of the state of a group of data based on observations the real thing is, data collection is done in the Outpatient Pharmacy Service at Hangil Hospital, and is carried out for three months. The total mumber of prescription samples erered in the pharmacy installation for three months a 12.587 prescriptions with details of 10,770 prescriptions of JKN BPJS 85.27% 1,808 peral recipes 14 66% and 9 other insurance recipes 0.07% Among the recipe for JKN BPIS obtained during the study were 90.23% of non-concoction recipes and 9.77% of recipe recipes. The results of the study were obtaining results, the number of prescriptions from patients was 85.27% more than prescriptions from general patients 14 66% and other insurance 0.07%. The average waiting time for non-concoction recipe services in 25 minutes, and concoctions are 62 minutes

Bank Wakaf Mikro (BWM) Sumber Barokah Denanyar Jombang is one of ten Islamic MFIs in the early stages of the 'Community Empowerment through the Establishment of Islamic MFIs around Pesantren‛ Program facilitated by the Financial Services Authority (OJK) and the Small Business Incubation Center (Pinbuk) by providing loan funds for more productive community business groups. The purpose of this assistance is to provide guidance and direction on the knowledge and implementation of the efforts to be made by the Denanyar Jombang Sharia Micro Waqf Bank in minimizing the risk of capital loans given to MSMEs as business capital. There are three (3) stages in this assistance: Preparation, Implementation and evaluation. The results of the assistance show: (1) An increase in efforts to minimize the risk of capital loans, (2) A decrease in the number of defaults on the risk of returning loan capital (3) An increase in family values and religiosity for customers who make loans.

The purpose of this research was to determine the influence of service quality and promotion on customer loyalty with customer satisfaction as an intervening variable at PT. Jetindo Nagasakti Transekspress Medan. The method used in this research is a quantitative descriptive method which is carried out through data collection using questionnaires and statistical testing data analysis. The samples taken in this research were all customers who had used the services of PT. Jetindo Nagasakti Transekspress Medan, numbering 85 people. The data analysis used is path analysis using the IBM SPSS Statistics version 26 application. The research results show that Service Quality influences customer satisfaction at PT. Jetindo Nagasakti Transekspress Medan. Promotions influence customer satisfaction at PT. Jetindo Nagasakti Transekspress Medan. Service quality influences customer loyalty at PT. Jetindo Nagasakti Transekspress Medan. Promotions influence customer loyalty at PT. Jetindo Nagasakti Transekspress Medan. Customer satisfaction influences customer loyalty at PT. Jetindo Nagasakti Transekspress Medan. Service quality influences customer loyalty with customer satisfaction as an intervening variable at PT. Jetindo Nagasakti Transekspress Medan. Promotions influence customer loyalty with customer satisfaction as an intervening variable at PT. Jetindo Nagasakti Transekspress Medan.  

The purpose of this study was to determine the effect of service quality and promotion on customer loyalty with customer satisfaction as a moderating variable at PT Global Trans Nusa. The method used in this research is quantitative descriptive method which is carried out through data collection using questionnaires and statistical testing data analysis. The sample taken in this study were all customers who had used the services of PT Global Trans Nusa, totaling 85 people. The data analysis used is MRA analysis using the IBM SPSS Statistics version 26 application. The results showed that Service Quality has an effect on Customer Loyalty at PT Global Trans Nusa. Promotion has an effect on Customer Loyalty at PT Global Trans Nusa. Service Quality and Promotion affect Customer Loyalty at PT Global Trans Nusa. Customer Satisfaction cannot moderate the effect of Service Quality on Customer Loyalty at PT. Global Trans Nusa. Customer Satisfaction cannot moderate the effect of Promotion on Customer Loyalty at PT. Global Trans Nusa. Customer Satisfaction cannot moderate the effect of Service Quality and Promotion on Customer Loyalty at PT. Global Trans Nusa.    

Until now, there are still many who are afraid to start a business, including online business, so a real manifestation of a successful businessman has high self-efficacy/ability in starting a business. Apart from having the ability, a businessman must also be able to understand marketing planning and strategy. well in developing a business so that the business succeeds as expected, therefore the purpose of this research is to find out: 1) How is the self-efficacy of entrepreneurs in online business for FEBI students, 2) What is the strategy for developing entrepreneurship in online business for FEBI students, 3) What are the obstacles faced in developing entrepreneurs in the online business of FEBI students. This type of research is qualitative with a descriptive approach, and the methods used in data collection are observation, interviews and documentation. The subjects in this study were students who had been running their online business for more than 3 years. The number of subjects in this study were 10 people. The results of this study note that FEBI students have high self-efficacy in online business or entrepreneurship, students are confident in their abilities and have expectations for their abilities in doing business online, in building confidence students obtain from several sources, namely personal experience, other people's experiences, verbal persuasion and emotional state. In the student business development strategy it is still not running well and efficiently, and there are obstacles to student businesses such as suppliers, competitors, capital and customers.

The internet cafe services industry has significant challenges in meeting customer needs and maintaining its competitiveness. This study aims to analyze the problems faced by the internet cafe service industry using the Servqual method approach. This method allows evaluating the quality of services provided by internet cafes along five dimensions: reliability, responsiveness, insurance, empathy and comfort. Data was collected through a survey of internet cafe users and analyzed using statistical techniques. The results of the analysis highlight various problems faced by the internet cafe services industry, and provide valuable insights for industry stakeholders to improve the quality of their services.    

This research focuses on the implementation of the Al Wadiah concept in the State Savings Bank (BTN) in Indonesia. The concept is based on Islamic law and deals with trust and custody. The bank has integrated Al Wadiah into its savings services and manages customer funds in accordance with Sharia regulations. This study uses secondary data to analyze the implementation. The study found that BTN offers a range of savings products that emphasize the security of deposited funds. The study also identified challenges and opportunities faced by the bank in implementing the concept. These challenges include regulatory changes, educating the public and a comprehensive understanding of Sharia principles. Despite these challenges, there are opportunities for BTN to expand its range of Sharia-based services and increase public confidence in the financial system.

Khiyar is the right to choose to continue or cancel a buying and selling transaction. However, buying and selling in today's society is different from buying and selling in ancient times. In the online buying and selling transaction process, there is a high possibility that undesirable risks will arise from both the seller and the buyer, in this way the right of khiyar or choice becomes very important. The purpose of this research is to find out how khiyar is implemented in the online pre-order system buying and selling on the PT application. Wook Global Technology Jambi Branch in increasing customer satisfaction. The type of research used in this research is a descriptive qualitative method. Data collection techniques consist of observation, interviews and documentation. The data obtained by researchers was analyzed in three steps, namely data reduction, data presentation and data verification. The research results show that the implementation of khiyar in the online pre-order system buying and selling on the PT application. Wook Global Technology Jambi Branch has many non-conforming objects in practice which have implemented khiyar even though in terms of knowledge and literacy they understand or understand khiyar. In the wook application, the khiyar practice applied is khiyar 'aib. Khiyar conditions, khiyar ta'yin, khiyar ru'yah and khiyar that have not been implemented are khiyar majlis.

In today's era and the changing and needs regarding a good health system, health insurance has a very important role in supporting universal access to health services and protecting individuals and families from unexpected financial risks. Thus, this research aims as an educational material for the wider community, especially in Indonesia, which is actually in dire need of health insurance but still in doubt about its benefits and financial value. In this research, the author uses a qualitative research approach in the form of a library study (Library Research). The result of this research is that Simas Sehat Gold Insurance for customers has many benefits including: (1) Customers can already enjoy a cashless system. (2) Customers under the age of 50 do not need a medical examination. (3) Simas Sehat Gold Insurance can be paid in installments per month through a Visa or Mastercard credit card. (4) There is free personal accident insurance worth Rp 10 Million. (5) There are emergency medical evacuation guarantees around the world. And the advantages of Simas Sehat Gold insurance products include using a cashless system and products from PT. Sinar Mas Insurance has a wider range of hospital providers or partners so that customers are easier to find and receive by the hospital.

This research aims to analyze the planning, implementation, and recommendation of marketing strategies to increase the number of customers at Bank Muamalat KCP Stabat during the pandemic. The research method employed is qualitative descriptive. Data collection techniques include primary and secondary data through interviews, observation, and documentation. The research results indicate that the marketing strategy planning during the pandemic involves adding marketing channels and focusing on promotion through digitalization. The most effective strategy implemented is personal selling. Additionally, Bank Muamalat also engages in promotion through direct selling, distributing brochures, and social media. While the strategies are performing well, there are some challenges faced. Proposed solutions include adding marketing channels, offering multi-purpose Hajj financing programs, or opening Hajj savings accounts. Marketing strategy recommendations include the Bank capitalizing on existing opportunities, enhancing promotion through social media and direct outreach, and maintaining good relationships with collaborating parties.

This research discusses community empowerment through the Bersami Waste Bank (BSB) program. The aim of this research is to find out the process of community empowerment through the Bersami Waste Bank program in Pisangan Village, the supporting and inhibiting factors in carrying out empowerment and the Bersami Waste Bank's efforts to improve family welfare for its customers. This research is qualitative research in collecting data using observation, interviews and documentation methods. The data analysis techniques used are data reduction, data presentation and drawing conclusions. Triangulation is used to explain the validity of the data obtained. Based on the results of this research, it can be concluded that the community empowerment carried out by the Bersami Waste Bank is in accordance with the stages of community community empowerment. The research results revealed that community empowerment through the Bersami Waste Bank was carried out through four stages, namely the awareness stage, understanding stage, utilization stage and use stage. Bersami Waste Bank can empower its community so that customers gain benefits from waste management in the form of money from savings and skills after training in waste recycling to sell from recycled waste. This is an effort by the Bersami Waste Bank to improve family welfare for its customers.

This research aims to determine the influence of the variables product quality (X1), price (X2) and service quality (X3) on customer satisfaction (Y) at the Sicepat Express Delivery Service, Nganjuk District Branch. This type of research is quantitative research. The data collection techniques used are primary data and secondary data. The sample selection used the accidental sampling method, the number of samples in the research was 175 respondents at the Sicepat Express Delivery Service, Nganjuk District Branch. This research data was obtained through questionnaires, interviews and literature studies. The data analysis technique was carried out by describing the research data and analysis used, namely Validity Test, Reliability Test, Classical Assumption Test, Multiple Linear Regression Analysis, T Test, F Test and Coefficient of Determination Test. The results of the research obtained the multiple linear regression equation Y = 3.185 + 0.278 0.000 < 0.05. The F test results obtained Fcount results with a significance value of 0.000 < 0.05. From the results of the analysis it can be concluded that product quality (X1), price (X2) and service quality (X3) simultaneously and significantly influence customer satisfaction.    

Nowadays, marketing is a systematic point that is very important for the success of a business in a company and also a company because of the increasingly fierce competition. The local brand of quality mineral water and also has a brandimage that is already embedded in the minds of consumers is Aqua. Brand image plays an important role in shaping brand image in the eyes of consumers and can influence the extent to which customers trust, recognize, and choose brands among their competitors. Instagram plays an important role in shaping brand image for businesses and brands. By using this platform to share creative, inspiring, and relevant content, companies can form an image on the brand that is positive and attractive to a wide audience or audience. The existence of this research has the aim of knowing how strong the influence of Aqua's Instagram content on brand image. The theory used in this research is Instagram content which consists of follow, like, comment, caption. Then next is the Brand Image theory which consists of the strength of brand association, the superiority of brand association, and the uniqueness of brand association on variables. The approach in this study is a quantitative approach with a survey method conducted on 79 respondents of @sehataqua Instagram followers, with sampling techniques using simple random sampling method. The results in the study indicate a fairly high influence, which is spelled out by the amount of 61% of Aqua's Instagram content on Brand image. While the remaining 39% is influenced by variables not examined in this study.

To achieve excellent service, a company’s employees must possess certain qualities, such as a passion for work and an attitude of always being ready to assist as well as having the capacity to handle customer complaints professionally. Service to service users at Yogyakarta International Airport, both at the departure terminal and arrival terminals, is critical for passengers. One of these is transit and transfer services for passengers. The purpose of this research is to find out the impact of Transit and Transfer officers’ service quality on passenger satisfaction and to identify what service quality attributes transit and transfer officers at Yogyakarta International Airport should develop. This research employed the importance-performance analysis (IPA) approach. The sample size was 100 respondents, obtained by distributing questionnaires to 100 respondents who were in transit or transferring at Yogyakarta International Airport and measured using the Slovin formula. The data were analyzed using Gap analysis with the SERVQUAL method and importance-performance analysis (IPA). The research results show that the analysis of the level of conformance and the reality-expectation gap based on the five SERVQUAL dimensions of the service quality of Transit and Transfer officers at Yogyakarta International Airport is good in satisfying passenger expectations. The average gap dimension analysis indicates that the service of Transit and Transfer officers are providing satisfactory service based on passengers’ perceptions, with an average score of <-1. Based on the Cartesian diagram mapping, 6 attributes are considered important by passengers and need priority action and carry out evaluations and improvements based on the mapping results through importance-performance analysis, with the physical evidence dimension resulting in the lowest quality dimension and requiring priority improvement action.

PDAM tariffs and policies have a very important role in maintaining the availability of clean water and quality services for the community. Economically, the tariffs set by PDAM enable the provision of clean water in a sustainable manner with operational finance, infrastructure maintenance, and investment in developing the water distribution network. This research aims to reveal the impact of PDAM Tirtanadi's tariff adjustment policy on customer satisfaction. Adjusting air tariffs is an important step for PDAMs to finance infrastructure maintenance and operations, but this can also have an impact on customer satisfaction. The research method used is qualitative research with a descriptive approach. Qualitative research makes it possible to describe phenomena in depth, including the impact of PDAM Tirtanadi's tariff policy on customer satisfaction. In the descriptive method, the main focus is on a detailed and in-depth description of the observed phenomenon, without carrying out statistical analysis. The data used in this research comes from writings contained in books, scientific journals, previous research and through interviews with customers and related parties of PDAM Tirtanadi Medan Denai Branch during college internships. The results of this research indicate that the tariff adjustment policy creates hopes and concerns among customers, who hope that service quality will increase in line with tariff increases. In addition, this research also identifies factors that influence customer perceptions of tariff policies, including the quality of services provided, transparency in the use of funds, and responsiveness to customer complaints. The implications of this research are the importance of considering customer needs and expectations in designing adequate tariff policies, as well as the importance of transparency and accountability in providing public services such as the provision of drinking water.    

The research background is a complaints number from visitors and also the uniqueness and attractiveness of the Bathroom. The  research purposes is to analyze the influence of perceived value on satisfaction of customer   in the bathroom. This research type used is a quantitative method with an associative approach. The population of this study was 1,044 respondents. The research sample are 290 respondents. The way for collection of data is conducted through a questionnaire with a likert scale that has been done for validity and reliability. The research results shown that perceived value (X) had a positive impact on satisfaction of customer (Y) of 58.8%. The result of analysis linear regression obtained a counting F value of 18.724 with sig 0,000 < 0,05, this shown that the variable perceved value on client satisfaction was significantly influenced, and obtaining a count of t value of 20.283 with seg 0,000< 0,05..  

This article investigates the evolving role of consumer behavior in shaping entrepreneurial marketing strategies in the digital age. The proliferation of social media, online platforms, and big data analytics has transformed how entrepreneurs engage with consumers. The study delves into how entrepreneurs use consumer insights to create personalized marketing strategies, foster customer loyalty, and enhance brand value. A qualitative analysis of case studies from various industries illustrates the impact of digital tools on marketing effectiveness. The paper provides insights on how entrepreneurs can better align their marketing approaches with changing consumer preferences in a rapidly evolving digital landscape.