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Pembiayaan Pra Pensiun Berkah merupakan salah satu produk pembiayaan syariah yang ditujukan bagi pegawai aktif yang akan memasuki masa pensiun untuk memenuhi berbagai kebutuhan konsumtif maupun produktif. Dalam pelaksanaannya, pembiayaan tersebut harus dilakukan sesuai dengan prinsip syariah dan ketentuan Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) agar terhindar dari unsur riba, gharar, dan maisir. Penelitian ini bertujuan untuk mengetahui prosedur akad Pembiayaan Pra Pensiun Berkah serta menganalisis kesesuaiannya dengan Fatwa DSN-MUI pada PT Bank Syariah Indonesia Tbk KC Jambi Pattimura. Penelitian ini menggunakan metode deskriptif kualitatif dengan teknik pengumpulan data melalui observasi, wawancara, dan dokumentasi. Data yang diperoleh dianalisis secara deskriptif untuk memberikan gambaran mengenai pelaksanaan pembiayaan di lapangan. Hasil penelitian menunjukkan bahwa prosedur Pembiayaan Pra Pensiun Berkah meliputi tahap pengajuan pembiayaan, pemeriksaan dokumen, pengecekan Sistem Layanan Informasi Keuangan (SLIK), analisis kelayakan, persetujuan pembiayaan, pelaksanaan akad, pencairan dana, hingga monitoring pembayaran angsuran. Akad yang digunakan dalam pembiayaan ini umumnya adalah akad murabahah dan musyarakah mutanaqisah (MMQ) yang disesuaikan dengan tujuan pembiayaan nasabah. Hasil penelitian juga menunjukkan bahwa pelaksanaan Pembiayaan Pra Pensiun Berkah telah memenuhi prinsip transparansi, keadilan, dan kehati-hatian serta sesuai dengan rukun, syarat, dan ketentuan yang diatur dalam Fatwa DSN-MUI. Dengan demikian, dapat disimpulkan bahwa prosedur Pembiayaan Pra Pensiun Berkah pada PT Bank Syariah Indonesia Tbk KC Jambi Pattimura telah berjalan sesuai dengan prinsip syariah dan ketentuan Fatwa DSN-MUI. Penelitian ini diharapkan dapat menjadi referensi bagi pengembangan kajian perbankan syariah dan bahan evaluasi bagi lembaga keuangan syariah dalam meningkatkan kualitas layanan serta kepatuhan terhadap prinsip syariah.

Program Pengabdian kepada Masyarakat ini bertujuan meningkatkan kualitas pelayanan pelanggan pada usaha jasa pengetikan Metronet di Kecamatan Ambulu, Kabupaten Jember, melalui optimalisasi tiga fitur produktivitas Microsoft Office: autocorrect, autoformat, dan template dokumen. Tim pelaksana memakai metode riset tindakan partisipatif dengan menggabungkan metode ini dengan pelatihan dan bimbingan. Pelaksanaan program menunjukkan hasil yang jelas pada semua parameter evaluasi. Kemampuan karyawan meningkat sekitar 93,2%. Waktu penyelesaian dokumen berkurang rata-rata 58%. Tingkat kesalahan juga turun menjadi 1,2%. Kapasitas layanan bertambah 40%, dan adanya pelanggan baru dari kecamatan lain yang dapat dilayani. Ditemukan bahwa perbaikan kecil ini dengan tetap terfokus pada perangkat lunak perkantoran sehari-hari mampu mempertajam kualitas pelayanan usaha mikro dan memperluas jangkauan pasarnya dalam waktu relatif singkat.

Fierce competition in the tourist bus industry, especially in the price segment, requires companies to understand the key factors that influence customer satisfaction. This study aims to analyze the influence of service quality, price, and brand image on customer satisfaction of PO Jurus Elang in Semarang City through a quantitative approach with an explanatory survey involving 136 respondents selected by purposive sampling. Data were obtained from a Likert scale questionnaire and analyzed using SEM-PLS via SmartPLS. The results of the analysis indicate that service quality and price have a positive but insignificant influence, while brand image has a positive and significant influence on customer satisfaction, with an R-square value of 0.721, reflecting good model strength. These findings emphasize that brand image is a major factor in increasing customer satisfaction, while service quality and price are more likely to be viewed as minimum standards by customers.

Micro, Small, and Medium Enterprises (MSMEs) play an important role in supporting national economic growth, particularly in the culinary sector. However, many MSME entrepreneurs still face challenges in financial management due to the lack of proper implementation of simple accounting systems. Tenank Cafe Medan is one of the culinary businesses with strong growth potential, yet it continues to experience difficulties in transaction recording, cash flow management, and the preparation of simple financial statements, which affect the quality of business services. Therefore, this Community Partnership Independent Service Program (PMKM) aims to provide assistance in simple accounting practices to improve service quality at Tenank Cafe Medan. The program was implemented through observation, socialization, training, direct practice, and mentoring activities. The materials included transaction recording, cash book preparation, simple income statements, and cash flow management. The results show an improvement in the partner’s understanding and ability to manage finances systematically. Better financial management has also contributed to improving operational management and customer service quality. Thus, this program positively supports business management strengthening and service quality improvement at Tenank Cafe Medan.

Micro, Small, and Medium Enterprises (MSMEs) play an important role in supporting national economic growth, particularly in the culinary sector. However, many MSME entrepreneurs still face challenges in financial management due to the lack of proper implementation of simple accounting systems. Tenank Cafe Medan is one of the culinary businesses with strong growth potential, yet it continues to experience difficulties in transaction recording, cash flow management, and the preparation of simple financial statements, which affect the quality of business services. Therefore, this Community Partnership Independent Service Program (PMKM) aims to provide assistance in simple accounting practices to improve service quality at Tenank Cafe Medan. The program was implemented through observation, socialization, training, direct practice, and mentoring activities. The materials included transaction recording, cash book preparation, simple income statements, and cash flow management. The results show an improvement in the partner’s understanding and ability to manage finances systematically. Better financial management has also contributed to improving operational management and customer service quality. Thus, this program positively supports business management strengthening and service quality improvement at Tenank Cafe Medan.

Telemedicine is a technology-based healthcare innovation that can improve access and efficiency. The quality of service provided by human resources (HR) plays a crucial role in determining patient satisfaction. This study aims to analyze the influence of HR service quality on patient satisfaction among telemedicine users. The method used was a literature review using a qualitative descriptive approach through analysis of scientific articles from various databases published between 2020 and 2025. The results indicate that HR service quality significantly influences patient satisfaction, particularly through aspects of reliability, responsiveness, assurance, empathy, and effective communication. Patient satisfaction is also influenced by ease of access, time efficiency, and trust in the services provided. However, limitations such as the lack of in-person physical examinations remain a challenge in the implementation of telemedicine. Therefore, improving HR competency, particularly in digital communication and technology utilization, is essential to improving the quality of telemedicine services. Therefore, HR service quality is a key factor in increasing patient satisfaction and the successful development of digital healthcare services.

This study was conducted to systematically explore the influence of the level of ease of transactions and the quality of e-commerce services on the process of determining consumer purchasing decisions in Batam City. The research framework was built with a descriptive-oriented quantitative approach through the involvement of 100 respondents who actively utilize digital transaction services, which were determined using a purposive sampling technique based on the Lemeshow formulation to ensure the adequacy and representativeness of the sample. Empirical data were collected through a structured questionnaire and then processed using statistical analysis stages that included testing the validity and reliability of the instrument, evaluation of classical assumptions, multiple linear regression modeling, and verification of hypotheses through t-tests and F-tests. The results of data processing revealed that the variable of ease of transactions contributed 18.8% to purchasing decisions, while service quality contributed an influence of 63.5%. The coefficient of determination (R²) reaching 73.3% indicates that both independent variables simultaneously have substantial explanatory power towards variations in consumer purchasing behavior. Both partial and simultaneous testing confirmed a significant influence, thus confirming that simplifying transaction mechanisms and strengthening digital service quality are strategic determinants in driving e-commerce consumer purchasing decisions in Batam City.

Penelitian ini menganalisis praktik akuntansi keberlanjutan pada Arif Barbershop, sebuah usaha mikro, kecil, dan menengah (UMKM) di Jombang, Jawa Timur, Indonesia. Dengan menggunakan pendekatan studi kasus kualitatif, penelitian ini mengeksplorasi bagaimana barbershop menerapkan prinsip Environmental, Social, dan Governance (ESG) dalam operasional sehari-hari. Data dikumpulkan melalui wawancara mendalam dengan pemilik usaha dan dianalisis menggunakan analisis tematik. Temuan menunjukkan bahwa Arif Barbershop telah menerapkan praktik lingkungan dasar seperti pengelolaan limbah rambut melalui kantong plastik ke tempat pembuangan sampah, serta efisiensi energi dengan mematikan peralatan listrik setelah jam operasional. Dari aspek sosial, barbershop menjaga kepuasan pelanggan melalui konsistensi kualitas layanan dan sistem bagi hasil (60:40) kepada karyawan. Praktik tata kelola, meskipun bersifat informal, mencakup pencatatan keuangan sederhana menggunakan buku biasa. Namun demikian, barbershop belum memiliki izin usaha formal dan belum menerapkan kerangka akuntansi keberlanjutan yang terstandar. Penelitian ini menyoroti bahwa UMKM dapat mempraktikkan akuntansi keberlanjutan secara intuitif, dan menyarankan perlunya program pelatihan serta alat pelaporan yang disederhanakan.

Digital transformation in hospitals through the Digital Hospital concept (HIMSS EMRAM) aims to improve efficiency and reduce the potential for human error. RS Panti Abdi Dharma Cirebon has initiated the implementation of digital systems since 2015; however, several technical obstacles remain in its execution. Nurses, as the primary care providers, frequently face challenges in using electronic nursing documentation, which can negatively impact the quality of service and the continuity of patient care. This community service activity aims to enhance nurses' proficiency in using digital nursing documentation systems to support the improvement of healthcare quality and patient safety. The activity is conducted through three main steps: 1) Situational analysis and identification of technical constraints via questionnaires; 2) Technical training and coaching regarding the standardized structure of electronic nursing care documentation; 3) Evaluation of results by comparing the results/values of digital document completeness observations. Through this activity, a significant increase in nurses' knowledge and skills in operating the hospital information system is expected. It is also anticipated that there will be an improvement in the completeness of nursing care documentation, thereby minimizing medical risks and strengthening RS Panti Abdi Dharma's position towards national accreditation standards.

Di PPK Alif Laam Miim, observasi menunjukkan bahwa santri kelas 7 dan 9 terus mengalami masalah mengelola waktu, seperti menunda tugas dan bingung karena jadwal bertabrakan. Dengan menggunakan triangulasi dan analisis tematik, studi kasus ini menggunakan wawancara dan observasi terhadap lima santri dan satu guru BK. Hasil menunjukkan bahwa budaya pesantren, disiplin, dan interaksi dengan layanan BK dipengaruhi oleh manajemen waktu. Guru BK berperan penting dalam menetapkan prioritas, membuat rutinitas, dan mendorong disiplin. Perubahan, seperti jadwal yang lebih terorganisir, sangat membantu santri. Meskipun penelitian terbatas pada sampel kecil dan satu lokasi, keberhasilan lebih dipengaruhi oleh kualitas interaksi konselor daripada disiplin semata.

This study aims to analyze the governance of health service policies in improving the quality of public services in Semarang City. Health services are one of the essential sectors in public service delivery that require policies which are effective, transparent, and responsive to community needs. This research employs a qualitative approach with a descriptive method to understand the processes of policy formulation, implementation, and coordination among actors in the governance of health service policies. Data were collected through literature review, policy documentation, and analysis of health service delivery practices at the local government level. The results indicate that the governance of health service policies in Semarang City has undergone several improvement efforts through the strengthening of regulations, enhanced inter-agency coordination, and the utilization of health service innovations. However, several challenges remain, such as limited resources, inequality in service access, and the need to improve the quality of human resources in the health sector. Therefore, strengthening policy governance that is more collaborative, accountable, and community-oriented is necessary to sustainably improve the quality of health services. This study is expected to contribute to the development of public policy, particularly in the field of regional health service delivery.

Abstraksi Penelitian ini mengevaluasi bagaimana pengalaman pelanggan serta faktor kepercayaan memengaruhi loyalitas mahasiswa di Universitas 17 Agustus 1945 Semarang saat menggunakan aplikasi Gojek. Dengan desain survei kuantitatif dan instrumen skala Likert, data diolah menggunakan metode regresi linier berganda. Temuan riset mengonfirmasi bahwa interaksi layanan yang berkualitas dan kepercayaan terhadap sistem keamanan serta reliabilitas aplikasi menjadi pendorong utama komitmen penggunaan jangka panjang di kalangan mahasiswa. Penelitian ini melalui paradigma kuantitatif, mengumpulkan data dari responden terpilih melalui kuesioner. Analisis regresi berganda kemudian diterapkan untuk membedah pola hubungan sebab-akibat antara variabel yang diteliti. Hasil analisis menunjukkan bahwa kualitas pengalaman pelanggan berkontribusi secara positif terhadap pembentukan loyalitas. Selain itu, tingkat kepercayaan pengguna terhadap keamanan, konsistensi, dan keandalan layanan juga memperkuat komitmen penggunaan secara berkelanjutan. Temuan ini menegaskan bahwa interaksi layanan yang konsisten dan persepsi keandalan sistem menjadi determinan utama dalam mempertahankan loyalitas mahasiswa di tengah persaingan industri transportasi berbasis aplikasi. Implikasi penelitian ini menekankan pentingnya strategi peningkatan kualitas pengalaman layanan dan penguatan kepercayaan pengguna sebagai upaya membangun hubungan jangka panjang dengan pelanggan.

This study was conducted with the aim of identifying and analyzing the influence of price, innovation, and service quality variables on consumer decisions in using the Maxim online transportation service. The background of this research is the increasing competition in the online transportation industry in Indonesia, which encourages companies to continuously improve their marketing strategies to attract and retain customers. As one of the rapidly growing online transportation service providers, Maxim needs to understand the factors that influence consumer decisions in order to compete effectively. The method used in this research is a quantitative approach, with data collected through questionnaires distributed to 134 respondents who are active users of Maxim's transportation services. The data collected were analyzed using multiple linear regression to examine the effect of each independent variable (price, innovation, and service quality) on the dependent variable (consumer decision). Validity and reliability tests were also conducted to ensure the research instrument was appropriate for use.The results of the study show that all three independent variables—price, innovation, and service quality—have a positive and significant effect on consumer decisions. This means that the more competitive the price offered, the higher the level of innovation provided, and the better the perceived service quality, the more likely consumers are to choose and continue using the Maxim online transportation service.These findings provide practical implications for Maxim’s management in designing more targeted marketing strategies and service improvements, as well as strengthening the company’s position in facing market competition.

Pemanfaatan teknologi informasi menjadi kebutuhan penting bagi usaha jasa persewaan untuk meningkatkan efisiensi dan kualitas layanan. Toko Akasa Teknik sebagai usaha persewaan mesin vacuum cleaner masih menghadapi permasalahan dalam pengelolaan data penyewaan, transaksi, dan pelaporan yang dilakukan secara manual sehingga berpotensi menimbulkan kesalahan pencatatan dan keterlambatan informasi. Penelitian ini bertujuan untuk merancang dan mengimplementasikan sistem informasi persewaan berbasis web yang mampu mengintegrasikan seluruh proses bisnis secara terpusat. Metode pengembangan sistem yang digunakan adalah model Waterfall yang meliputi tahap analisis kebutuhan, perancangan, implementasi, pengujian, dan pemeliharaan. Sistem dikembangkan menggunakan bahasa pemrograman PHP dengan arsitektur Model–View–Controller (MVC) dan basis data MySQL. Pengujian dilakukan menggunakan metode Black Box Testing untuk memastikan setiap fungsi berjalan sesuai dengan kebutuhan pengguna. Hasil penelitian menunjukkan bahwa sistem yang dikembangkan mampu meningkatkan efisiensi pengelolaan data, mempercepat proses penyewaan, serta memudahkan pelanggan dalam melakukan pemesanan dan memantau status sewa. Dengan demikian, sistem informasi ini diharapkan dapat meningkatkan kualitas layanan serta mendukung daya saing Toko Akasa Teknik di era digital.

The implementation of e-government in government administration can make services more efficient, transparent, and reliable, as well as provide faster service to the public. The Sidoarjo Regency Population and Civil Registration Office launched the PLAVON website as a digital service. This study aims to describe the strategy for improving digital service quality from a public value perspective, focusing on the PLAVON website of the Sidoarjo Regency Population and Civil Registration Office. This research employs a descriptive qualitative approach, with data collected through interviews, observations, and documentation. The findings indicate that the quality of PLAVON’s digital services can be analyzed through three dimensions of public value: improved public service, improved administration, and improved social value. In the improved public service dimension, PLAVON enhances the ease and speed of population administration services; however, these improvements are still constrained by technical system disruptions and unstable website performance. In terms of improved administration, the implementation of digital services through PLAVON contributes to greater transparency and improved employee professionalism. Meanwhile, within the improved social value dimension, PLAVON plays a role in strengthening public trust in government institutions. This study emphasizes that the improvement of digital service quality is not solely dependent on technical factors but also on the government’s capacity to generate tangible and sustainable public value for the community.

This study aims to determine the effect of service quality and promotion on members' saving decisions at BMT Fajar Bina Sejahtera Metro Branch. This research uses a quantitative approach with data collection through questionnaires given to 98 respondents, selected using purposive sampling technique. Data analysis was conducted using multiple linear regression with the help of SPSS software. The results show that both service quality and promotion have a positive and significant effect on saving decisions, both partially and simultaneously. However, service quality has a more dominant influence compared to promotion. The coefficient of determination (Adjusted R²) indicates that 32.4% of the variation in saving decisions can be explained by these two independent variables. Therefore, BMT Fajar Bina Sejahtera needs to continuously improve service quality and design more effective promotional strategies to attract and retain members to be more active in saving. This research provides important insights for BMT management in formulating more precise policies to enhance members' saving decisions.

This study aims to analyze the effect of service quality and trust on members’ decisions to use the services of Koperasi Simpan Pinjam (KSP) Pamuji in the Soloraya region. Savings and loan cooperatives play an important role in providing financial access for the community; therefore, service quality and members’ trust are crucial factors in sustaining cooperative services. This research employs a quantitative approach with an explanatory research design. Data were collected through a structured online questionnaire distributed to 201 respondents selected using purposive sampling techniques. Data analysis was conducted using multiple linear regression with the assistance of SPSS version 27. The results indicate that service quality has a positive and significant effect on service usage decisions, as evidenced by a regression coefficient of 0.504 and a significance value below 0.05. Trust also shows a positive and significant effect on service usage decisions with a regression coefficient of 0.375. Simultaneously, service quality and trust explain 82.5% of the variation in service usage decisions. These findings confirm that positive service experiences and high levels of trust are key determinants in encouraging members to use cooperative savings and loan services. The results of this study are expected to provide practical insights for cooperative managers in formulating strategies to improve service quality and strengthen members’ trust in order to enhance sustainability and competitiveness.

Customer satisfaction is a central issue in marketing management, as it plays a crucial role in determining customer loyalty amid increasingly intense business competition. A comprehensive understanding of the factors influencing customer satisfaction is essential not only for academics in strengthening marketing theory but also for practitioners in designing effective service and product strategies. This article aims to address two research questions: (1) what are the dominant factors influencing customer satisfaction, and (2) how does customer satisfaction relate to customer loyalty? The study employed a qualitative literature review method. The data consisted of scientific articles published between 2020 and 2025, accessed through Google Scholar and Publish or Perish (PoP) using the keyword “customer satisfaction.” From an initial selection of 30 articles, 27 were identified as relevant, and 5 core articles were further analyzed. The findings reveal three main themes: product and service quality as the dominant determinants of customer satisfaction; price, brand image, and promotion as supporting factors; and customer trust as an important mediating variable in building loyalty. This study concludes that customer satisfaction serves as a strategic link between service quality and customer loyalty. Future research is encouraged to explore the roles of digitalization, customer experience, and sustainability in shaping long-term customer satisfaction.

Penelitian ini dilakukan untuk menganalisis dan membandingkan sentimen pelanggan terhadap lima restoran Sunda di Kota Bogor menggunakan metode Aspect-Based Sentiment Analysis (ABSA) berbasis Fine-Tuning IndoBERT. Ulasan pelanggan di platform digital seperti Google Review berpengaruh besar terhadap citra dan keputusan konsumen, sementara jumlah ulasan yang besar sulit dijelaskan secara manual. Data penelitian diperoleh dari 3.232 ulasan Google Review dan diproses menjadi 3.010 data yang dikelompokkan berdasarkan lima aspek utama, yaitu makanan, pelayanan, harga, suasana, dan fasilitas. Metode Fine-Tuning IndoBERT digunakan untuk mengklasifikasikan sentimen positif, netral, dan negatif, dengan evaluasi melalui metrik akurasi, presisi, recall, dan F1-score. Hasil menunjukkan bahwa model memiliki performa sangat baik dengan akurasi tertinggi sebesar 97,51% pada aspek pelayanan dan terendah 92,52% pada aspek makanan, serta nilai F1-score makro di atas 0,91. Analisis menunjukkan bahwa Bumi Aki unggul pada aspek makanan dan fasilitas, Saung Abah pada pelayanan, Saung Kuring pada harga, dan Gumati pada suasana. Hasil penelitian ini menunjukkan bahwa Fine-Tuning IndoBERT efektif dalam memahami opini pelanggan berbahasa Indonesia dan dapat menjadi acuan bagi pelaku usaha kuliner dalam meningkatkan kualitas layanan.

Deteksi nyeri secara objektif merupakan tantangan penting dalam dunia medis, terutama bagi pasien yang tidak mampu menyampaikan rasa sakitnya secara verbal, seperti bayi, lansia, atau penderita gangguan komunikasi. Teknologi non- invasif berbasis sensor menjadi solusi potensial untuk mengatasi keterbatasan metode subjektif. Penelitian ini bertujuan meninjau secara sistematis literatur terkini mengenai penerapan Radar MIMO dan algoritma kecerdasan buatan dalam deteksi nyeri non-invasif. Metode yang digunakan adalah Systematic Literature Review (SLR) dengan pedoman PRISMA 2020, melalui penelusuran basis data IEEE Xplore, ScienceDirect, PubMed, Google Scholar, dan SpringerLink untuk periode 2021– 2025. Dari hasil seleksi diperoleh 17 artikel inklusi yang mencakup penggunaan Radar MIMO, UNBC-McMaster, BioVid, Medical Imaging (CT/MRI), Radar SISO, serta studi review, survey, bibliometrik, dan teoretis. Dari sisi algoritma, CNN dan SVM menjadi pendekatan paling dominan, diikuti Neural Network dan metode lain, dengan tren yang mengarah pada penggunaan multimodal untuk meningkatkan akurasi. Hasil penilaian kualitas dengan GRADE menunjukkan mayoritas studi berkualitas sedang, dengan keterbatasan utama pada ukuran sampel kecil, pelabelan nyeri yang belum konsisten, bias populasi, serta kurangnya validasi klinis nyata. Kesimpulannya, Radar MIMO dan algoritma deep learning memiliki potensi besar untuk deteksi nyeri non-invasif. Namun, penelitian lanjutan perlu difokuskan pada pembangunan dataset yang lebih inklusif, standarisasi pelabelan nyeri, serta pengujian dalam konteks klinis, dengan memperhatikan aspek etika dan privasi agar teknologi ini dapat diimplementasikan secara luas dalam layanan kesehatan.