This study aims to analyze the effect of service quality , brand image , and trust on the loyalty of BPJS Ketenagakerjaan participants in the Non-Wage Recipient (BPU) segment at the Situbondo Branch, with satisfaction as a mediating variable. The research method uses a quantitative approach with purposive sampling techniques and data collection through questionnaires distributed to 110 respondents who have been active participants for more than six months. Data analysis was carried out using the Structural Equation Modeling Partial Least Square (SEM-PLS) method. The results of the study indicate that service quality and trust have a significant effect on satisfaction, while brand image does not have a significant effect. Meanwhile, trust and satisfaction have a significant effect on loyalty, while service quality and brand image do not. Satisfaction is also proven to mediate the effect of trust on loyalty, but does not significantly mediate other variables. This finding implies that increasing participant trust and satisfaction is the main key in building BPU participant loyalty at BPJS Ketenagakerjaan Situbondo.

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.