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Perkembangan teknologi informasi telah meningkatkan penggunaan layanan perbankan digital dalam masyarakat. Kondisi tersebut diikuti dengan meningkatnya kejahatan siber, khususnya Phishing, yang menyebabkan hilangnya dana nasabah melalui manipulasi data dan penyalahgunaan sistem elektronik. Kejahatan Phishing tidak hanya menimbulkan kerugian bagi nasabah, tetapi juga menimbulkan persoalan hukum mengenai tanggung jawab perbankan terhadap keamanan sistem dan perlindungan dana nasabah. Penelitian ini bertujuan untuk menganalisis bentuk kelalaian perbankan dalam perlindungan sistem elektronik serta pertanggungjawaban pidana bank terhadap raibnya dana nasabah akibat Phishing. Penelitian menggunakan metode hukum normatif dengan pendekatan perundang-undangan dan pendekatan konseptual. Bahan hukum diperoleh melalui studi kepustakaan yang terdiri dari peraturan perundang-undangan, literatur hukum, jurnal ilmiah, dan dokumen terkait. Hasil penelitian menunjukkan bahwa kelalaian perbankan dapat dilihat dari lemahnya sistem keamanan digital, pengawasan transaksi elektronik, serta perlindungan data nasabah. Pertanggungjawaban pidana terhadap pihak perbankan dapat dikaitkan dengan prinsip corporate criminal liability apabila terbukti terdapat unsur kelalaian yang mengakibatkan kerugian nasabah. Pengaturan mengenai perlindungan konsumen, keamanan sistem elektronik, dan perlindungan data pribadi menjadi dasar penting dalam menentukan tanggung jawab hukum perbankan terhadap korban Phishing. Katakunci: Pertanggungjawaban Pidana, Perbankan, Phishing, Cybercrime, Perlindungan Nasabah.

Mie basah bebas gluten umumnya memiliki kandungan protein yang relatif rendah karena didominasi oleh bahan berpati, sehingga diperlukan upaya peningkatan nilai gizi tanpa menurunkan tingkat penerimaan konsumen. Penelitian ini bertujuan untuk mengetahui pengaruh penambahan tepung ikan teri medan (Stolephorus sp.) terhadap tingkat kesukaan mie basah bebas gluten serta mengetahui karakteristik kimia pada perlakuan terbaik. Penelitian menggunakan Rancangan Acak Lengkap (RAL) dengan empat taraf penambahan tepung ikan teri medan, yaitu P0 (0 g), P1 (5 g), P2 (10 g), dan P3 (15 g). Tingkat kesukaan dinilai oleh 40 panelis pada parameter warna, aroma, rasa, dan tekstur menggunakan uji hedonik. Data dianalisis menggunakan Analysis of Variance (ANOVA) dan dilanjutkan dengan uji Duncan. Perlakuan terbaik ditentukan menggunakan metode indeks efektivitas dan selanjutnya dianalisis secara proksimat. Hasil penelitian menunjukkan bahwa penambahan tepung ikan teri medan berpengaruh terhadap tingkat kesukaan mie basah bebas gluten. Perlakuan terbaik diperoleh pada P1 (5 g) berdasarkan nilai indeks efektivitas tertinggi. Hasil analisis kimia pada P1 menunjukkan kadar air 37,33%, kadar abu 1,71%, kadar lemak 3,34%, kadar protein 9,76%, dan kadar karbohidrat 47,86%. Kadar protein telah memenuhi persyaratan mutu mie basah berdasarkan SNI 2987:2015, meskipun kadar air masih melebihi standar. Penambahan tepung ikan teri medan berpotensi meningkatkan nilai gizi mie basah bebas gluten dengan tetap mempertahankan tingkat penerimaan konsumen.

This study examines the implementation of Environmental, Social, and Governance (ESG) principles as a sustainability instrument for consumer cooperatives from the perspective of Islamic economics. Consumer cooperatives, as people-based economic institutions, face significant challenges in maintaining sustainability amid rapid economic transformation and increasing demands for corporate accountability. ESG, as a global framework for measuring sustainability performance, is considered relevant to the values of Islamic economics which emphasize justice, transparency, social benefit, and environmental responsibility. This research uses a qualitative approach through literature study and document analysis to formulate a conceptual model of ESG implementation in consumer cooperatives based on Islamic economic principles. The findings show that ESG dimensions are in line with maqashid al-syariah, namely the protection of religion, life, intellect, lineage, and property. Environmental aspects correlate with the stewardship principle of khalifah fil ardh, while social aspects align with the concept of takaful ijtima’i, and governance reflects the values of amanah and shura. This study offers a conceptual framework for integrating ESG within the cooperative institutional governance system as a strategic step toward sustainable and equitable economic development.

This research examines the influence of Price, Income, Taste, Promotion, Location, and Product Quality on consumer demand at Coffee Shops in Pekanbaru City. The population consists of Coffee Shop customers in Pekanbaru City. A nonprobability sampling method with Accidental Sampling technique was applied, involving 100 respondents. Data were analyzed using SEM-PLS approach through SmartPLS 4.0 software. The findings reveal that Price, Promotion, and Product Quality significantly influence consumer demand. In contrast, Income, Taste, and Location do not show a significant effect. Among all variables, Product Quality emerges as the most dominant factor affecting consumer demand at Coffee Shops in Pekanbaru City. Therefore, coffee shop managers in Pekanbaru City need to improve taste consistency, menu variety, presentation, and product quality standards to maintain and increase consumer demand. This research is expected to provide business owners with a basis for formulating more appropriate, competitive, and sustainable customer satisfaction-oriented marketing strategies in the local market.

The development of the internet and social media has encouraged e-commerce companies to utilize digital platforms as a marketing tool, one of which is Shopee through TikTok social media. The high frequency of digital advertising is thought to influence consumer attitudes, especially among Generation Z as active TikTok users. To determine the impact of Shopee's digital advertising frequency on consumer attitudes using promotions as a mediating variable on Generation Z TikTok social media users in Tasikmalaya, this study employed quantitative, descriptive, and verification techniques. A total of 100 respondents were sampled using purposive sampling techniques. An online questionnaire with a Likert scale of 1 to 5 was used to collect research data. Data were analyzed using Structural Equation Modeling-Partial Least Square (SEM-PLS) with the help of SmartPLS 4. The results showed that advertising frequency significantly and positively influenced consumer attitudes and promotions. In addition, promotions can mediate the effect of advertising frequency on consumer attitudes and have a beneficial and significant impact. These results indicate that consumer opinions towards Shopee will be more positive if advertisements are displayed more frequently and supported by appropriate promotions. This study serves as an academic reference and information source for businesses seeking to optimize social media-based digital marketing strategies.

Perkembangan teknologi digital telah merevolusi mekanisme transaksi ekonomi dengan mendorong penggunaan kontrak elektronik sebagai instrumen utama dalam aktivitas e-commerce. Kajian ini menyoroti dominasi klausula baku yang disusun sepihak oleh pelaku usaha, yang mengakibatkan ketimpangan posisi tawar serta berpotensi menimbulkan kerugian sistemik bagi konsumen. Secara empiris, rendahnya literasi hukum masyarakat, kompleksitas bahasa kontrak, serta mekanisme persetujuan instan memperkuat kondisi kerentanan konsumen dalam memahami hak dan kewajibannya. Meskipun kerangka regulasi nasional seperti UUPK dan UU ITE telah memberikan dasar perlindungan, implementasinya masih menghadapi hambatan serius, termasuk lemahnya pengawasan, kesenjangan antara norma dan praktik, serta tantangan yurisdiksi lintas negara dalam transaksi digital. Penelitian ini menggunakan pendekatan normatif-empiris untuk menganalisis efektivitas perlindungan hukum serta mengidentifikasi faktor penyebab ketidakseimbangan dalam kontrak elektronik. Hasil kajian menunjukkan perlunya rekonstruksi model perlindungan konsumen berbasis keadilan kontraktual yang menekankan transparansi, keseimbangan, dan akuntabilitas dalam penyusunan klausula. Selain itu, integrasi aspek teknologi, desain sistem digital, dan peningkatan literasi konsumen menjadi elemen krusial dalam menciptakan ekosistem transaksi yang adil. Dengan demikian, penelitian ini berkontribusi dalam pengembangan teori hukum digital sekaligus memberikan rekomendasi praktis bagi pembentukan regulasi adaptif guna memperkuat kepercayaan publik terhadap ekonomi digital.

The rapid growth of e-commerce among university students has provided greater convenience in conducting digital transactions. However, it has also created various challenges, including online fraud, discrepancies between advertised and delivered products, delayed shipments, and limited understanding of consumer rights and dispute resolution mechanisms. This community service program aimed to enhance legal literacy and increase students’ awareness of consumer protection in electronic transactions, particularly within the Faculty of Teacher Training and Education (FKIP) of Yapis University Papua. The program employed an educational-participatory approach through counseling sessions, interactive discussions, case simulations, and participant comprehension evaluations. The materials covered consumer rights and obligations, common violations in electronic transactions, complaint procedures on e-commerce platforms, and non-litigation dispute resolution mechanisms. The results demonstrated a significant improvement in students’ understanding of consumer protection laws, their ability to identify violations of consumer rights, and their knowledge of appropriate actions when disputes arise in online shopping transactions. Furthermore, participants showed strong engagement throughout the activities and were able to apply their knowledge effectively during case simulations. The program contributed to the development of more critical, informed, responsible, and legally aware digital consumers who are better prepared to engage safely and confidently in e-commerce activities.

This study examines the effect of Environmental, Social, and Governance (ESG) performance on firm value in the Consumer Staples and Consumer Discretionary sectors listed on the Indonesia Stock Exchange during 2021–2023. The study is motivated by inconsistent empirical findings regarding the relationship between ESG and firm value, as well as differences in sectoral characteristics that may influence ESG effectiveness. The objective of this study is to analyze the impact of ESG on firm value in both sectors and compare the differences between them. This research employs panel data analysis using samples of 23 Consumer Staples companies and 19 Consumer Discretionary companies over a three-year period, resulting in 69 and 57 observations respectively. The Fixed Effect Model was applied to the Consumer Staples sector based on the Hausman test result, while the Consumer Discretionary sector used the Random Effect Model. Firm value was measured using Tobin’s Q, ESG performance was proxied by Bloomberg ESG Score. The findings indicate that ESG has no significant effect on firm value in the Consumer Staples sector, while ESG has a significant negative effect in the Consumer Discretionary sector. These results suggest that the relevance of ESG depends on sector characteristics and market perceptions of ESG investment in Indonesia.

This study aims to examine the influence of Glad2Glow product quality on consumer trust and purchasing decisions for Glad2Glow skincare products through the online platform TikTok Shop in Tasikmalaya Regency. The research employed a quantitative approach using a survey method involving 60 respondents who had previously purchased Glad2Glow skincare products. Data were collected through a questionnaire based on a Likert scale ranging from 1 to 5. The collected data were analyzed using the Structural Equation Modeling–Partial Least Squares (SEM-PLS) technique with the SmartPLS application. The results indicate that product quality is the strongest factor influencing consumer trust, with a path coefficient of 0.737 (T = 9.938; P = 0.000). Product quality also has a significant effect on purchasing decisions, with a coefficient of 0.505 (T = 6.129; P = 0.000). These findings demonstrate that better product quality increases consumer confidence in the product and encourages stronger purchasing decisions. The study highlights the importance of maintaining product quality as a strategic factor in building consumer trust and improving purchasing behavior in a social commerce environment. Therefore, businesses operating through digital platforms such as TikTok Shop should prioritize product quality to strengthen customer relationships and enhance market competitiveness.

This study aims to analyze the influence of a halal lifestyle on consumer preferences in selecting Sharia-compliant retail products. The study employed a Systematic Literature Review method, reviewing various empirical and conceptual studies published between 2017 and 2025. The analysis focused on the relationship between halal awareness, religiosity, ethical consumption values, and Muslim consumer behavior in making choices about Sharia-compliant retail products and services. The results indicate that a halal lifestyle is viewed not only as a form of compliance with Islamic law but also as a social identity and a modern consumption pattern that influences consumer purchasing decisions. Consumers with high levels of halal awareness and religiosity tend to have a greater preference for Sharia-compliant retail products that guarantee halal certification, quality, transparency, and ethical values ​​in their business processes. Furthermore, trust, Islamic brand image, and marketing strategies based on Islamic values ​​contribute to strengthening consumer loyalty to Sharia-compliant retail. This research provides managerial implications for Sharia-compliant retail businesses to develop innovative, educational, and tailored marketing strategies to meet the halal lifestyle needs of modern Muslims.

This study aims to examine the influence of price and electronic word of mouth (e-WOM) on purchase decisions among Generation Z consumers in Campaka Subdistrict, Bandung City, with a specific focus on the TikTok Shop platform. This research employs a quantitative approach using a survey method by distributing questionnaires to Generation Z consumers in Campaka Subdistrict, Bandung City, with a total of 98 respondents to collect the data. The results of the study indicate that both price and electronic word of mouth have a significant positive effect on purchase decisions among Generation Z consumers in Campaka Subdistrict, Bandung City. Price is generally perceived as good, although aspects related to price suitability based on income levels and purchasing power still show some weaknesses. Similarly, e-WOM activity is considered positive; however, there are still relatively weak aspects regarding the diversity of consumer reviews, as not all respondents actively pay attention to the variation of opinions in reviews. The findings also reveal a significant influence of these variables, where the effect of price on purchase decisions reaches 35.4%, while electronic word of mouth contributes 29.5%, and the combined effect of price and electronic word of mouth on purchase decisions is 64.9%. This study concludes that improvements in price perception and e-WOM can enhance purchase decisions.

An appropriate strategy has become a crucial factor for Micro, Small, and Medium Enterprises (MSMEs) in maintaining customer loyalty. This study focuses on analyzing the implementation of marketing communication strategies adopted by Nasi Goreng Barokah Jaya, an MSME located in Cikampek, to retain its loyal customers. This study employed a descriptive qualitative approach based on the 7P Marketing Mix theory developed by Kotler and Keller (2016). Data were collected through in-depth interviews, field observations, and documentation involving the business owner, employees, and loyal customers. The data were subsequently analyzed using the Miles and Huberman interactive model, while data validity was ensured through triangulation. The findings reveal that direct interaction, responsive and friendly service, word-of-mouth promotional activities, and personalized approaches serve as the main pillars in building customer loyalty. Customer loyalty is significantly influenced by product quality, price affordability, service reliability, and the emotional bond established between the business and its customers. These findings confirm that simple yet consistently implemented marketing communication strategies are effective in maintaining a loyal customer base in the culinary MSME sector.

This study aimed to examine the effect of location and promotion on consumer purchase decisions at the Kekang Motorcycle Showroom in Nangalimang, Maumere. The independent variables in this study were location (X1) and promotion (X2), while the dependent variable was the purchasing decision (Y). This study employed a quantitative research method. The sample consisted of 75 respondents, selected using an accidental sampling technique. Data were collected through observation, questionnaires, and documentation. The data analysis techniques included validity testing, reliability testing, classical assumption testing, multiple linear regression analysis, t-test, F-test, and coefficient of determination (R²). The results indicated that location had a positive and significant effect on purchase decisions at the Kekang Motorcycle Showroom in Nangalimang, Maumere. Meanwhile, promotion did not have a significant effect on purchase decisions. Simultaneously, location and promotion had a significant effect on purchase decisions. Thus, consumer purchase decisions were more strongly influenced by location than by promotion. Keywords: Location, Promotion, Consumer Purchase Decision.

The concrete block business is one of the micro-enterprises that develops in Wairotang Village and plays an important role in fulfilling the community’s need for building materials. However, in its development, sales fluctuate from year to year, which is assumed to be influenced by the level of consumer trust and the quality of the products produced. In addition, several problems still occur, such as concrete blocks that crack easily, inconsistent sizes, and varying levels of strength, leading consumers to hesitate in making repeat purchases. This study aimed to determine the influence of consumer trust and product quality on purchasing decisions of concrete blocks in Wairotang Village. The independent variables in this study were consumer trust and product quality, while the dependent variable was purchasing decision. This study was motivated by fluctuations in concrete block sales and the persistence of consumer doubts regarding product quality, including easily cracked blocks, inconsistent sizes, and varying strength levels. These conditions resulted in suboptimal consumer trust, which in turn affected purchasing decisions. This study used a quantitative research method. The population consisted of consumers of concrete blocks in Wairotang Village, and the sampling technique was purposive sampling. Data collection was conducted through questionnaires, observations, interviews, and documentation. The data were analyzed using descriptive analysis, validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, t-tests, F-tests, and the coefficient of determination ($\text{R}^2$). The results were expected to show that consumer trust and product quality have a positive and significant influence on purchasing decisions of concrete blocks in Wairotang Village, both partially and simultaneously. A higher level of consumer trust and better product quality lead to increased purchasing decisions. Therefore, concrete block business actors will need to maintain product quality and build good relationships with consumers in order to improve purchasing decisions and ensure business sustainability.  

This study aims to analyze the partial and simultaneous influence of location, product diversity, and store layout on consumer purchasing decisions at Moncheri Hijab in Balikpapan. This research employed a quantitative approach using a survey method by distributing questionnaires to 170 respondents who were consumers of Moncheri Hijab in Balikpapan. The data analysis techniques used included validity testing, reliability testing, multiple linear regression analysis, t-test, and F-test. The results showed that partially, the location variable had a positive and significant effect on consumer purchasing decisions. Product diversity was also proven to have a positive and significant influence on purchasing decisions. Meanwhile, the store layout variable did not show a positive and significant effect on consumer purchasing decisions. However, simultaneously, the three variables, namely location, product diversity, and store layout, had a positive and significant influence on purchasing decisions among Moncheri Hijab consumers in Balikpapan. This study indicates that location and product diversity are the main considerations for consumers in making purchasing decisions, while store layout has not yet become a dominant factor influencing consumer purchasing decisions at Moncheri Hijab Balikpapan.

The garment industry in Indonesia has experienced rapid growth in line with the increasing demand for fashion products, particularly in Bandung Regency, which is one of the main garment centers. CV Kiral, as a garment company, faces intense competition, especially in terms of promotion and product quality, which are crucial factors in attracting consumers. This study aims to examine the influence of promotion and product quality on consumer purchasing decisions at CV Kiral, both partially and simultaneously. The research method employed is quantitative with a descriptive and verificative approach. The sample consisted of 100 respondents, who were CV Kiral consumers, determined using Cochran’s formula and selected through simple random sampling. Data were collected using a Likert-scale questionnaire and analyzed through multiple linear regression, t-test, F-test, and coefficient of determination with the assistance of SPSS software. The results indicate that promotion has a positive and significant effect on purchasing decisions, as does product quality, which also demonstrates a positive and significant influence. Simultaneously, promotion and product quality make a strong contribution to improving consumer purchasing decisions. Thus, the success of CV Kiral in facing competition is highly determined by the effectiveness of creative digital promotions and the consistency of product quality that meets consumer expectations.

The development of Islamic banking activities in Indonesia currently is not matched by adequate understanding among students, particularly regarding the rights and obligations of customers, Sharia contract literacy, and consumer protection mechanisms. This Community Service Activity aims to enhance the understanding of Muara Bungo University students regarding customer rights and obligations, complaint procedures, basic sharia contract literacy, prevention of detrimental service practices, and the resolution process for sharia banking consumer disputes. The activity was attended by 50 students from all faculties and department, conducted using the Participatory Action Research (PAR) approach through the stages of problem identification, planning, implementation with interactive lecture methods, and evaluation. The results of the activity showed a significant increase in understanding, marked by the growing awareness of participants regarding the rights and obligations of customers, understanding of Islamic banking contracts, as well as the ability to comprehend consumer protection concepts and the dispute resolution process effectively. Consumer protection literacy education has proven to have a positive impact on students in preparing themselves to face the banking world, both in the context of employment and business in the future.

The development of digital technology and internet penetration are driving changes in consumer behavior and demanding that MSMEs not only adapt but also understand the operational motives and marketing channel integration strategies to face competition in the digital era. This study aims to examine the operational motives and technical adaptation processes of Micro, Small, and Medium Enterprises (MSMEs) in Bali in integrating online and offline marketing channels through an omnichannel strategy to respond to intense market competition in the digital era. This descriptive qualitative research uses a multiple case study approach in three different MSME sectors: goods maintenance services, creative services, and fashion retail. Data collection was conducted through direct observation, in-depth interviews, and a review of digital activities, then analyzed through single-case and cross-case stages. The results show that MSMEs optimize digital channels as instruments to expand reach and trigger consumer emotional engagement through a visual storytelling approach, while physical stores are crucially maintained as points of sensory validation. Functional integration has been proven to accommodate the shift in consumer behavior towards a hybrid decision-making pattern. In this pattern, consumers conduct information searches and initial evaluations online, but tend to shift to offline interactions to validate quality and finalize transactions to minimize purchase risk. In conclusion, cross-channel operational synergy has proven essential in boosting the competitive advantage of MSMEs.

This study aims to analyze the marketing strategy implemented by Catering Lapak Ning Icha to increase consumer purchase intention. The background of this research is the intense competition in the culinary MSME sector, particularly catering services, which demands effective and sustainable marketing strategies. A qualitative approach with a case study design was employed. Data were collected through in-depth interviews, observations, and documentation involving the business owner (represented by the operator), employees, and consumers. Data analysis was conducted using the Miles and Huberman model, consisting of data reduction, data display, and conclusion drawing. The findings reveal that the marketing strategy based on the 7P marketing mix (Product, Price, Place, Promotion, People, Process, and Physical Evidence) plays a significant role in increasing consumer purchase intention. In terms of product, the catering maintains taste quality, cleanliness, and menu variety. Pricing is set affordably and competitively. Easy location access and accurate ordering and distribution processes support the place and process aspects. Promotion is carried out organically through social media and word of mouth. Additionally, friendly and professional employee service, as well as physical evidence such as a clean business environment and neat packaging, contribute to positive consumer perceptions. The implications of this study suggest that consistent and integrated marketing strategies aligned with consumer needs can effectively enhance purchase intention and customer loyalty. This research serves as a reference for culinary MSME actors in designing effective and sustainable marketing strategies.

This study aims to analyze the effect of Augmented Reality-based Virtual Try-On and consumer testimonials on purchase intention toward Maybelline foundation from an Islamic business perspective among Generation Z in Bandar Lampung. This research employs a quantitative approach using primary data collected through questionnaires distributed to 100 respondents. The data were analyzed using Partial Least Square Structural Equation Modeling (PLS-SEM). The results show that Virtual Try-On has a positive and significant effect on purchase intention. Consumer testimonials also have a positive and significant effect on purchase intention. Simultaneously, both variables significantly influence purchase intention. From an Islamic business perspective, the use of technology and consumer testimonials can serve as an effective marketing strategy while maintaining ethical principles such as transparency, honesty, and fairness.