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This study aims to analyze the influence of secondary reserves, which consist of placements in other banks, securities owned, and acceptance bills, on wadiah deposits at PT Bank Syariah Indonesia Tbk. using a quantitative approach with secondary data from the bank's monthly financial statements for the period 2022-2024. Researchers select relevant research subjects to obtain significant findings. The data were processed using descriptive statistical analysis and multiple linear regression with the help of the SPSS program to test the hypothesis. The results show that there is a significant influence of independent variables on dependent variables, which illustrates the importance of asset quality and fund management in increasing customer trust and, ultimately, the growth of deposits.

This study explores the impact of cybersecurity risk disclosure on customer-supplier relationships in corporate supply chains through a qualitative literature review approach. The findings reveal that transparency in cybersecurity risk disclosure enhances trust, relationship stability, and operational efficiency within supply chains. Conversely, a lack of disclosure or poor risk management can damage reputations, create uncertainty, and weaken collaboration between business partners. The study also highlights the importance of adequate regulations, risk mitigation strategies, and the adoption of new technologies in managing cybersecurity. While offering significant insights, this study has limitations, including reliance on secondary literature and variations in industry contexts. Future research is recommended to include empirical testing and the exploration of new technologies to strengthen cybersecurity risk management in supply chains.

This study investigates the influence of live streaming commerce and online customer reviews on impulsive buying behavior, with e-trust as an intervening variable, focusing on Somethinc cosmetics among Generation Z consumers. Utilizing a quantitative approach, the research gathered data from 100 respondents selected through purposive sampling in Palangka Raya City. The Partial Least Square - Structural Equation Model (PLS-SEM) was employed to analyze the relationships between variables. The findings reveal that live streaming commerce has a significant positive effect on both e-trust and impulsive buying, emphasizing its role as an interactive and engaging marketing tool. Online customer reviews also positively impact e-trust and impulsive buying, albeit with a weaker effect. However, the mediating role of e-trust between these factors and impulsive buying is not statistically significant, suggesting that Generation Z consumers prioritize interactive and social aspects over trust in their purchasing decisions. This study provides valuable insights for marketers aiming to enhance impulsive buying through digital marketing strategies. Future research is encouraged to explore these relationships across various industries and demographics to broaden the understanding of impulsive buying behavior.  

Operational risk is one of the significant challenges that can hinder the achievement of a company's goals, especially in strategic departments such as the Engineering Department. Risk identification and mitigation are important steps to ensure smooth operations and maintain the company's overall productivity and performance. This study aims to evaluate and optimize operational risk mitigation strategies in the Engineering Department of PT XYZ, which operates in the cement production sector. With a qualitative approach, this study analyzes various risks faced, including design suitability, reliability of safety monitoring, and budget management. The results show that the implementation of systematic and proactive mitigation strategies can significantly reduce potential risks that can interfere with smooth operations. In addition, this study found that effective communication with stakeholders and the implementation of feedback from customers are essential to increase customer satisfaction and trust. The resulting recommendations include the preparation of project completion time standards, periodic evaluations of performance, and more detailed mapping of budget needs. Thus, this research contributes to the development of best practices that can be adopted by other companies in the same industry. The results of this study are expected to improve PT XYZ's operational performance and strengthen its position in a competitive market.

The objective of this research is to evaluate the impact of brand image and product quality on consumer purchasing decisions regarding MS Glow products in Solo. A positive brand image can enhance consumers' trust in a particular brand; however, product quality remains the primary determinant of satisfaction and choice among consumers. Using qualitative methodology with phenomenological approach, the study aims to understand consumers’ experiences and perspectives towards MS Glow products. The findings indicate that strong brand images, such as reliable reputation and consumer confidence, significantly influence purchase decisions. Additionally, product qualities including durability, performance, design, and innovative features play crucial roles in consumer decision-making processes. This research is expected to help companies develop better marketing strategies to meet individual customer needs effectively.

Noteworthy changes in customer behavior due to the advancement of data and communication innovation have driven to an increment in online shopping, particularly amid the Covid-19 widespread. This ponder points to analyze the impact of electronic word-of-mouth (e-WOM) and believe on buy deliberate within the setting of e-commerce in Indonesia. With information appearing a surge in exchanges on different marketplaces, this consider distinguishes that positive e-WOM can increment buy deliberate, whereas negative e-WOM tends to diminish it. In expansion, consumers' level of believe in online shopping stages emphatically impacts buy choices. The discoveries appear that both e-WOM and believe have a critical positive impact on buy deliberate. The comes about of this consider give experiences for companies to develop effective promoting techniques to extend buy deliberate and construct shopper believe within the computerized time. 

This research analyzes the factors that influence the success of e-commerce applications in increasing sales in the digital era. With the development of technology and changes in consumer behavior, e-commerce has become one of the main platforms for businesses to reach customers more widely. The main factors analyzed include user experience, transaction security, product quality, customer service, digital marketing strategy and innovation. The research results show that the combination of these factors significantly influences purchasing decisions and customer loyalty. Good user experience, guaranteed data security, and effective marketing strategies are proven to increase sales and consumer trust. This study provides important insights for business people in maximizing the potential for implementing e-commerce in the competitive digital era.

This research aims to evaluate and examine the authority of banks in protecting customers from banking crimes based on Law of the Republic of Indonesia Number 21 of 2011 concerning the Financial Services Authority which still does not fully cover the principle of justice. This research also aims to reconstruct the legal role of banks in providing protection to customers from banking crimes with the principle of justice. The approach method used in this research is a normative legal approach (normative juridical), which refers to legal research that uses analysis of library materials or secondary data. The results show that banking, as an institution that relies on public trust, must provide guarantees to the public. Banks must also be able to maintain the confidentiality of information regarding customers and their savings. Therefore, it is important to continue to supervise and develop banking institutions so that they can function efficiently, fairly, competitively, and can maintain and protect funds deposited by customers.    

This study aims to analyze the impact of sharia principles implementation and product innovation on the financial performance of Islamic banks in Indonesia. Using a quantitative approach through regression analysis, the study reveals that consistent adherence to sharia principles and relevant product innovation significantly affect financial performance. Partial tests show that sharia principles significantly influence customer trust and satisfaction, while product innovation contributes to enhancing competitiveness in the digital era. Simultaneously, these two variables strongly impact financial performance, with the regression model explaining 74% of the variance in financial performance. This study highlights the importance of synergy between sharia principles and product innovation in supporting the sustainability of the Islamic banking industry in Indonesia.

This study examines the impact of social media on consumer purchasing decisions in e-commerce. With advancements in information technology, social media platforms such as Instagram, TikTok, and Facebook have evolved from mere promotional tools into essential means of building brand awareness and consumer trust. Social media facilitates direct interactions with consumers through visual content, customer reviews, and influencer collaborations, creating more personal and emotional shopping experiences. Additionally, features like TikTok Shop streamline promotion and purchasing processes on a single platform, offering new business opportunities. The study also highlights the role of testimonials, reviews, and influencer marketing in shaping purchasing decisions. Findings indicate that social media enhances brand awareness, fosters trust, and drives consumer loyalty, ultimately strengthening brand image in the digital marketplace.

This study aims to analyze the implementation of credit risk management in Islamic banking, which is a crucial aspect in maintaining business stability and sustainability. The research focuses on identifying credit risk control strategies, such as supervisory oversight by the board of commissioners, risk management policies, and internal control systems. The research method used is a literature review, examining various sources, including journals, books, and official documents. The article shows that credit risks in Islamic banking arise from customers' failure to meet payment obligations and involve concentration and counterparty risks. Islamic banks apply several strategies to address non-performing loans, such as rescheduling, restructuring, reconditioning, and, when necessary, collateral seizure. The implementation of credit risk management helps banks reduce potential losses and improve operational efficiency. Effective credit risk management enables Islamic banks to mitigate losses and maintain customer trust while adhering to Sharia principles and OJK regulations. With the right strategies, Islamic banks can ensure financial stability and sustain long-term growth..

This study analyzes the influence of ease of use and security on customer satisfaction with the mobile banking services of Bank Sumsel Babel Syariah, particularly among students of the Faculty of Islamic Economics and Business at UIN Raden Fatah Palembang. Using a quantitative approach, data were collected through questionnaires from 100 respondents. The results indicate that ease of use does not have a significant effect, while security has a positive and significant impact. Collectively, ease of use, security, and trust contribute 78.5% to customer satisfaction variability. The study recommends enhancing security systems and usability of the mobile banking application, as well as educating customers on safe usage practices.

This study explores the implementation of the Midtrans payment gateway system on the Bloxstore.id website using the Prototyping method. The main objective is to enhance the website's payment transaction process by integrating an efficient and secure payment gateway. The Prototyping method was chosen for its iterative approach, which allows for continuous feedback and system refinement. This research demonstrates how the integration of Midtrans improves the user experience by streamlining the payment process and offering various payment options. The results indicate significant improvements in transaction speed, security, and user satisfaction. This study’s findings are valuable for e-commerce platforms looking to optimize their payment systems and build customer trust through secure and efficient transaction methods.

This study aims to analyze the influence of marketing strategies and customer trust on purchasing decisions in Shopee-based online shops among students of the Faculty of Islamic Economics and Business, UIN Raden Intan Lampung. The research employs a qualitative method with a literature study approach, collecting data from various relevant literatures, journals, and documents. The findings reveal that effective marketing strategies, such as discount promotions, loyalty programs, and influencer engagement, significantly affect purchasing decisions. Moreover, customer trust, which is built on transaction security, product quality, and customer reviews, plays a crucial role in enhancing purchasing decisions. The study concludes that the collaboration between innovative marketing strategies and customer trust is essential for creating an optimal online shopping experience.

This paper discusses the principle of bank secrecy as an important instrument in legal protection for customers, as well as its relevance in maintaining public trust in the banking sector in Indonesia. Based on the legal framework stipulated in Law Number 10 of 1998 concerning Banking and Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector (PPSK), this study highlights the obligation of banks to protect customer data, including exceptional situations regulated by law. Normative legal research is used to analyze legal principles, laws and regulations, and related literature. The principle of bank secrecy is considered a pillar of customer trust and the main capital in the financial ecosystem. However, challenges arise when this principle conflicts with the interests of law enforcement, such as criminal investigations. The regulations strengthened by the PPSK Law provide a foundation for customer data protection while also regulating administrative and criminal sanctions for violations. On the other hand, the application of this principle also contributes to financial stability by increasing literacy and compliance with regulations. This paper recommends harmonization between the protection of customer privacy rights and the effectiveness of law enforcement to maintain the sustainability of trust in the banking sector.

As technology rapidly advances, the internet and social media have become an integral part of everyday life. Social media, which has evolved significantly since the Web 2.0 and 3.0 eras, plays a crucial role in communication and marketing. In this context, Bank Syariah Indonesia utilizes social media as a marketing tool to reach customers, particularly the millennial generation, who are highly reliant on digital technology. This study aims to explore the application of social media in the marketing of Islamic bank products and how brand image influences customer decisions. The use of social media platforms such as Instagram, Facebook, Twitter, and TikTok allows the Islamic bank to introduce products and expand its market reach more efficiently. Furthermore, the research indicates that marketing through social media significantly influences consumer purchase intent and strengthens brand image. The bank's brand image is also influenced by product quality, responsive customer service, and the company's reputation, all of which contribute to increased customer trust. With the right digital marketing strategy, the Islamic bank can enhance operational efficiency, strengthen its market position, and provide better services to customers.

Networking plays a crucial role in developing an entrepreneur's career. With a wide network, entrepreneurs can access various resources, business opportunities, guidance and support from investors that can accelerate the development of their business. In addition, networking contributes to building a professional image and trust, which are important factors for attracting customers and strategic partners. Solid interpersonal relationships also open up opportunities for creative collaboration and idea sharing, allowing entrepreneurs to face challenges more effectively. Whether through online or offline platforms, networking is a key strategic element in creating long-term success for an entrepreneur. In the current digital era, networking can be done through various platforms, either directly, such as attending conferences and business events, or online through social media and virtual communities. This process not only expands connections but can also provide an opportunity to understand industry trends and build competitive advantages. Therefore, networking is not just about building relationships, but is also one of the main strategies that can encourage long-term success and growth for an entrepreneur.

The purpose of this study was to determine how brand image, product quality, online promotion, and product trust level influence consumer decisions to purchase products at CV. Tenun Mulia Gemilang. This study used a questionnaire distributed through social media in the form of Instagram and Whatsapp. This study involved 100 people who were selected randomly. Multiple linear regression analysis was used to analyze the data to evaluate the model between the established variables. The results showed that brand image, product quality, online promotion and product trust level have a significant influence on consumer purchasing decisions for woven products. This study suggests that business actors pay attention to brand image, product quality, and online promotion to increase customer trust and ultimately influence their purchasing decisions. Thus, CV. Tenun Mulia Gemilang can increase consumer product purchasing decisions.

Digital transformation in educational services is an important need to improve efficiency and user satisfaction, especially in Islamic boarding schools. One of these innovations is the SISANTRI application used at the Darussalam Blokagung Islamic Boarding School, Banyuwangi, to facilitate the management of information and transactions for guardians of students. However, the effectiveness of this application still faces challenges, such as stagnation in feature development and negative reviews from users.This study aims to analyze the influence of E-Servqual, E-WOM, and E-Trust on E-Customer Satisfaction. Then, analyze the influence of E-Servqual, E-WOM, E-Trust, and E-Customer Satisfaction on customer loyalty. And analyze the role of E-Customer Satisfaction as a mediator of the influence of E-Servqual, E-WOM, and E-Trust on customer loyalty.The research method used is exploratory research and a quantitative approach with data collected through questionnaires distributed to 364 guardians of students selected using the Proportional Stratified Random Sampling technique. The research instrument uses a Likert scale to measure research variables. Then, the collected data is analyzed through several stages, namely determining the value of the variables, testing the research instrument (validity and reliability tests), path analysis using the Partial Least Square (PLS) method, hypothesis testing, and path calculations.The results of the study showed that E-Servqual, E-WOM, and E-Trust significantly influenced E-Customer Satisfaction. In addition, E-Servqual, E-WOM, E-Trust, and E-Customer Satisfaction significantly influenced customer loyalty. Then, customer satisfaction was not able to be a mediating variable between E-Servqual, E-WOM, E-Trust, and customer loyalty, but still contributed to loyalty directly.It can be concluded that improving E-Servqual, E-WOM, and E-Trust is very important to strengthen E-Customer Satisfaction and Customer Loyalty, although E-Customer Satisfaction does not mediate the relationship. Further development should be focused on improving these three main factors that affect customer loyalty.

Customer satisfaction includes efforts to meet consumer needs. Consumer satisfaction is a situation demonstrated by consumers when they realize that their needs and desires are as expected and are being fulfilled well. This research aims to determine and analyze the influence of relationship marketing, customer trust, and price competition on consumer satisfaction of Indihome users in Medan City. With a sample size of 100 respondents. Data collection techniques were carried out using questionnaires. The analysis used is multiple linear regression analysis using the SPSS (Statistical Package for Social Sciences) 24.0 for Windows program tool. The results of the analysis show that relationship marketing has a positive and significant influence on consumer satisfaction. Customer trust has a positive and significant influence on consumer satisfaction, and price competition has a positive and significant influence on consumer satisfaction. Meanwhile, the results of the simultaneous analysis show that relationship marketing, customer trust, and price competition have a positive and significant effect on consumer satisfaction of Indihome users in Medan City.