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Differences in Results Regarding Legal Protection for Consumers When Carrying Out Online Buying and Selling Transactions. Identify legal protection for customers during e-commerce transactions based on UUPK. 2. Identify legal protection for customers during UUITE e-commerce transactions. This research was conducted to determine the legal aspects of legal protection for consumers when carrying out online buying and selling transactions. Normative juridical research methodology, also known as library research. Both UUPK and UUITE have not been fully implemented to regulate electronic buying and selling transactions. Many consumers still do not receive their rights when they become victims of errors in online buying and selling transactions. The main factors that make it difficult for consumers to obtain legal protection from relevant authorities are also influenced by a lack of socialization and consumer understanding. With current technological advances, it is hoped that businesses, consumers and related bodies will be more aware of better legal protection for all parties.

This research aims to analyze and find out the Poultry Shop Business Development Strategy at the Garuda Poultry Shop, Payakumbuh City. This research uses a qualitative descriptive approach, namely data analysis that is explanatory and data information that is linked to theories and concepts using primary data sources and secondary data. The data collection techniques used in this research were interviews, observation, library research and documentation. The data analysis techniques used are data reduction, data display, and SWOT analysis. The results of this research show that the Garuda PS store is located in quadrant I. Quadrant I is a favorable situation because of opportunities and strengths. The results of the SWOT matrix analysis show that the right strategy for the Garuda PS Store is the SO strategy. The SO strategy is, Maintaining good service, maintaining tested product quality and complementing the products sold. Strategy implementation and obstacles to strategy implementation, namely 1) Checking the product is carried out. The obstacle in implementing this implementation is that product checking is only done manually. 2) Providing the best service to customers, the obstacle in starting this is service costs which always increase. 3) Complementing the products sold with other products. The obstacle in implementing this strategy is the large number of items that are stockpiled. This research contributes to finding out the right development strategy for the development of the Garuda PS Store.

Most MSMEs, including B&B Snack MSMEs, have not adopted technology as an effective sales tool. B&B Snack MSMEs face problems, namely a less strategic location and a lack of understanding of MSME owners regarding information technology. Therefore, in the YPPI Rembang University (UYR) Business Work Lecture Community Service activities, they provide a solution to overcome this problem, namely registering the location of MSME B&B Snacks on Google Maps and using direction signs, which can help customers find the location easily. The main goal is to increase the competitiveness of B&B Snack MSME owners in their main market in Rembang City and increase their business turnover. This activity began with a survey of MSME locations and discussions with B&B Snack MSME owners to identify problems. Furthermore, assisting MSMEs in registering locations on Google Maps and creating direction signs. The results of the activities of the MSME B&B Snack location are registered on Google Maps and have directional signs.

An Internet of Things (IoT)-based logistics monitoring system is an innovation designed to enhance efficiency, transparency, and speed in supply chain management. The implementation of IoT in logistics provides an ideal solution for real-time monitoring of goods, which was previously difficult with conventional methods. This system integrates IoT sensors such as GPS for location tracking, along with temperature and humidity sensors to monitor goods requiring special attention, such as food and pharmaceuticals. By automating processes through IoT technology, goods distribution becomes faster, reducing reliance on manual controls, speeding up decision-making, and minimising human error. This system enables companies to monitor the condition and location of goods in real-time, offering high visibility into the logistics status. With comprehensive monitoring, companies can proactively address issues and ensure goods remain in optimal condition throughout the shipping process. An IoT-based logistics monitoring system has the potential to enhance a company’s competitiveness through efficiency and accuracy in supply chain management. When effectively implemented, IoT technology can not only improve service quality and customer satisfaction but also strengthen a company’s position in an increasingly competitive market.

The intense competitiveness in the commercial sector drives this research. Plastic trash in the environment is causing an increasing amount of natural damage. Customers are becoming more demanding when it comes to eco-friendly items. As a result, companies need to adopt green marketing as a new marketing tactic. Companies can get a competitive edge through green marketing by fostering greater customer trust. Young buyers favor things that are good for the environment. The purpose of this study is to determine the degree to which the purchasing decisions of the Class of 2020 Sharia Business Management students at the Faculty of Economics and Islamic Business, State Islamic University (UIN) Sjech M. Djamil Djambek Bukittinggi, are influenced by green marketing and brand image. Quantitative descriptive research is used in this study. Both primary and secondary data were used. With a sample size of 64 respondents, the study's population consisted of users of AQUA products. Data were gathered by questionnaire distribution and observation. Research instrument tests, which include validity and reliability testing, as well as traditional assumption tests, which include tests for heteroscedasticity, multicollinearity, autocorrelation, and normality, were employed in data processing procedures. using the aid of the SPSS22 program. Based on the research findings, it can be inferred that while brand image has a value of 0.00 less than 0.05 or (0.00<0.05), it can be concluded that brand image partially influences purchasing decisions. This is because the company is implementing a new marketing strategy, namely green marketing. The partially green marketing variable has a value of 0.002 which is smaller than 0.05 or (0.002 <0.05). Businesses can gain a competitive edge by using green marketing to enhance their positive consumer perception. It is possible to conclude that green marketing and brand image jointly have a large influence on purchase decisions because they both simultaneously have a computed F value > F table, or 249,499 > 3,148.

One of the objectives of this study was to determine how the Marketing Mix on Customer Satisfaction on Ornamental Coral Exports at PT. Agung Aquatic Marine Denpasar Bali. The type of research used is quantitative method with data collection techniques through distributing questionnaires given to customers of PT. Agung Aquatic Marine Denpasar, Bali, the population of this study were all customers of PT. Agung Aquatic Marine Denpasar, Bali with a sample of 10 customers. the analysis technique used in this study uses simple linear regression statistical analysis with the help of the SPPS version 22 application. The results of simple regression analysis obtained the coefficient of determination with the R Square number 0.573 or 57.3%, which means that the marketing mix can contribute to customer satisfaction by 57.3 percent and the remaining 42.7 percent is influenced by variables not discussed in this study. From the partial test results, the tcount value of the marketing mix variable is 3.276> from the t table 1.859, this means that there is an influence of the marketing mix on customer satisfaction in ornamental coral exports. Thus H0 in this study is rejected and H1 is accepted, meaning that there is an Effect of Marketing Mix on Customer Satisfaction on Ornamental Coral Exports at PT. Agung Aquatic Marine Denpasar, Bali.

Bookkeeping administration is an important aspect in waste bank activities because it has the benefit of recording and carrying out complete and detailed reporting within a certain time period, so that there are no differences in calculations between customers and the Waste Bank management. The importance of bookkeeping administration in managing the Waste Bank (recording the entry and exit of each type of waste managed by the Waste Bank), can help optimize waste management and increase the effectiveness of waste management. Simple bookkeeping (in the form of Socialization) was introduced in the transaction cycle at the Bank Sampah "Sami Berkah", Kelurahan Meteseh, Kecamatan Tembalang, Semarang (making a Chart of Account, Journal from proof of transactions, posting to the ledger and subsidiary books, up to making Financial Reports). The administrative management of the Bank Sampah Sami Berkah has met the minimum requirements of the Dinas Lingkungan Hidup, starting from books, officers, waste reception schedules, until the waste deposited has been sorted by customers/members. Likewise, the duties and responsibilities of waste bank management officers are in accordance with the job and description of the organizational structure. The proposed use of the information system at the "Sami Berkah" Waste Bank is the use of an Android-based application or web system (mobile web access) in order to accommodate the need for faster and easier information access for customers/Members and Waste Bank managers, as well as being able to overcome the Bank's operational problems. Waste starts from customer registration, savings transaction processes to reporting, efficiently and with integrity. and easy to manage by admins and monitored by users directly.

As marketing strategies evolve, digital marketing is becoming increasingly integral to contemporary marketing approaches. Various promotional tactics, including social media marketing, live streaming, and online customer evaluations, are being utilized by companies to attract consumer interest in purchasing products. This study aims to examine the impact of social media marketing, live streaming, and online assessments on purchasing interest in The Originote products on the Shopee platform. The study population consists of The Originote's Instagram followers, with a sample size of 117 respondents. Data analysis is conducted using SPSS 26, encompassing validity and reliability assessments, classical assumption tests, multiple linear regression analysis, f-tests, and t-tests. The findings of the study suggest that while social media marketing (X1) does not significantly influence purchasing interest, live streaming (X2) and Customer online Review (X3) exhibits a significant impact on purchasing interest.

Sharia banks are currently on the rise and have become a reference for the public. One of them is 4.444 loans with a profit sharing system. Therefore, various sharia banking products, including the application of Murabahah contracts to PT financing products, must be understood by the wider community. Sharia People's Financial BANK SHARIA INDONESIA KCP MEDAN PADANG BULAN. This article explains the introduction of Murabahah contracts in PT loan products. People's Sharia Financial BSI KCP MEDAN PADANG BULAN This article uses qualitative research, collecting data through online interviews with PT manager BANK SHARIA INDONESIA KCP MEDAN PADANG BULAN. The result of this research is the application of a financing contract, namely the Murabaha contract, namely a contract for buying and selling goods at the original price with additional agreed profits. Technically, Sharia Banking Murabahah is defined as an agreement agreed between a sharia bank and a customer where the bank provides financing for the purchase of raw materials and other working capital needed by the custome.

This research aims to determine the influence of Social Media Advertising and Service Quality on Loyalty through Customer Satisfaction as an Intervening variable (Case Study of Devi Salon Medan). This research uses a quantitative approach with data collection using the Likert scale method. The subjects used in this research were 100 Devi Salon Medan customers and were taken using purposive sampling. The data analysis technique uses SPSS version 23. The results of this research show that overall each partial test states that it has a significant and positive effect between the variables. Where the statistical results state that the α value is <0.05. The Path analysis test also shows that there is a direct influence and an indirect influence on each variable which is connected through variable Z. And it also simultaneously shows that there is an influence of Social Media Advertising and Service Quality which together have an influence on Loyalty through the Customer Satisfaction variable.

This study aims to determine and analyze how the legal protection of consumers due to default in the housing loan agreement in the perspective of Consumer Protection Law No.8 of 1999. The type of research used in this study is normative juridical approach to legislation (statute aprouch) and case approach (case aprouch). The results of this study indicate that the case of default in the housing loan agreement, which occurred in the city of Gorontalo. Create legal protection against consumers (customers) who are harmed by Bank BTN who do not carry out their obligations in accordance with existing rules or regulations, where the bank does not issue housing certificates even though the consumer (customer) has paid the installments

Financing can be interpreted as funding provided by one party to another party. Its function is to support investments that will or have been planned by the institution. Financing can also be interpreted as trust or trust. It means that the financing institution as sahib al-mal puts trust in someone to carry out the mandate given. All such costs must be used properly, fairly, and must be accompanied by clear terms and are responsible for all parties. Every Islamic financial institution has a philosophy of seeking the pleasure of Allah SWT. to acquire the virtues of the world and the hereafter. Therefore, any activities of financial institutions that are considered deviant from religious demands should be avoided. In the implementation of financing, Islamic banks must meet two most important aspects. First, the Shar'i aspect where in every realization of financing to customers must remain guided by Islamic Shari'a. Second, the economic aspect which still considers the profit generation for Islamic banks and for customers.

In general, many people choose to save and borrow money from financial institutions other than sharia banks, such as conventional banks and general cooperatives. In fact, conventional banks are known to adhere to an interest system which according to scholars is prohibited because interest is considered usury. Factors that can influence interest in saving at Islamic banks are knowledge, promotions and location. A person's knowledge about Islamic banks will influence customer interest, each bank tries to promote all the products and services it has, and the location of Islamic banks has easy assets. The aim of this research is to determine the influence of knowledge, promotion and location on the interest of the people of Pandan Jaya subdistrict, Tanjung Jabung Timur district to save in sharia banks. The type of research used in this research is quantitative descriptive research. The sample was selected using Accidental Sampling and the Slovin formula to obtain 98 respondents. The data analysis used is Multiple Linear Regression Analysis. The results of the research concluded that partially the variables knowledge, promotion and location had an influence on interest in saving at Sharia Banks in Pandan Jaya Village, East Tanjung Jabung Regency. Simultaneously, the variables of knowledge, promotion and location influence interest in saving at Sharia Banks in Pandan Jaya Village, East Tanjung Jabung Regency. Based on the coefficient of determination, it indicates that knowledge, promotion and location can influence interest in saving at Sharia Banks by 77.4%. It is hoped that people, especially Muslims, can save in sharia banks considering that sharia banks have used sharia principles in accordance with Islamic recommendations, sharia banks can increase people's interest in saving using Sharia Bank services by considering research variables, namely increasing knowledge, promotion and location, and further research can add other variables which are also thought to influence interest in saving at Sharia Banks.

The implementation of the Murabahah agreement at Bank Syariah Indonesia (BSI) KCP Medan Sukaramai is the focus of this research. The aim of the research is to analyze the process of implementing the Murabahah contract, identify the obstacles faced, and initiate efforts to overcome these obstacles. The research method used is a qualitative descriptive method with data collection techniques through in-depth interviews. Respondents consisted of bank managers, bank employees and customers involved in transactions using Murabahah contracts. Data analysis was carried out taking into account relevant sharia principles. The research results show that the implementation of the Murabahah contract at BSI KCP Medan Sukaramai has been carried out carefully and structured in accordance with sharia principles. However, the obstacles faced include a lack of customer understanding of sharia principles as well as differences in understanding between customers and bank officers. Efforts made by banks to overcome these obstacles include increasing education for customers and regular training for bank officers. This research contributes to the understanding of Murabahah contract practices in the sharia banking sector, as well as offering recommendations for banks to increase the effectiveness and efficiency of implementing Murabahah contracts. In addition, it is hoped that this research can provide customers with a better understanding of sharia principles in financial transactions.

In order to increase customer satisfaction, the hospital is required to maintain and improve the quality of service within the hospital. Efforts to improve the quality of a hospital must be balanced with the implementation of Total Quality Management (TQM) in the optimal health sector by paying attention to all aspects of the hospital. Medical personnel who are agile and skilled in their fields will be very supportive if accompanied by supporting hospital facilities and infrastructure, this can make the hospital known to the wider community because of good service so that the quality of the hospital is not in doubt. For that a hospital must pay attention to quality control management in its own hospital.

This research is entitled “Effectiveness of Subsidized Sharia Mortgage Financing for Low- Income Communities at BTN Syariah Langsa City. This study uses a qualitative descriptive method, with the formulation of the problem, 1) How is the implementation of Islamic mortgage financing for low-income customers at Bank BTN Langsa City?, 2) How is the effectiveness of Islamic mortgage financing for low-income people at Bank BTN Langsa City?, from the results of the research of the bank and the dispatcher have followed the regulations from the government from the housing mortgage program, but with regulations from the government, the depeloper is an obstacle they cannot freely choose customers, with regulations made by the government even though people who are gardeners are farmers and fishermen even though they are able to take mortgage housing, there are also people who feel helped by the KPR program from thegovernment.

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