Increasing SMEs’ Acquisitions on SMEs Export Platform using Five A’s Concept

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Export is one of the influential factors in national economic growth. Increasing exports and investment made by developing countries can boost output and economic growth. To bolster Indonesia’s export performance Bank Negara Indonesia currently working on the development of a new business model called Xpora, which specifically targets business actors in the export sector within the Micro, Small, and Medium Enterprises segments with a primary focus on empowering and facilitating them. Looking at the acquisition side, it is recorded that BNI has 27,321 numbers of export debtor accounts. There were only around 4,000 account that took part in the Xpora incubation program and those who managed to receive financing were 195 debtors or around 0.7% of the total export account. That indicates Xpora Acquisition strategy didn’t work well. Research was conducted using quantitative methods through survey media using the Five A’s concept to measure the awareness level of SMEs about Xpora. The results show several low touch points in the Five’s  components that include ‘Ask’, ‘Appeal’, Aware representing Lack of supporting facility and change in consumer behaviour related to information seeking, lack of digital activation and unappealing promotion content, unmatched between service provided and customer needs, lack of awareness of new brand proposition.

The Influence of Store Atmosphere and Sales Promotion on Customer Satisfaction and its Impact on Customer Loyalty Coffee Shop Kopilogi

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This study aims to determine the effect of store atmosphere and sales promotion on customer satisfaction and its impact on customer loyalty of the Kopilogi coffee shop. The survey was conducted on consumers of the Coffee Shop Kopilogi Garut, the research method used was descriptive and verification method with a total sample of 94 respondents, the data analysis used was path analysis. The results of the study show that in structure I there is an influence of store atmosphere and sales promotion on customer satisfaction by 52.7%. In structure II there is an influence of store atmosphere and sales promotion on loyalty through customer satisfaction of 76.0%.

The Bottom-Line Choice: Lease vs. Buy – A Business Owner’s Guide

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This comprehensive guide navigates businesses through the intricate decision-making process of leasing versus buying, addressing the pivotal capital conundrum they face. The framework begins with a meticulous financial fitness check, evaluating cash flow, budget constraints, and long-term projections. Exploring various types of leases provides a nuanced understanding of leasing advantages, from flexibility to off-balance sheet financing. Conversely, ownership’s power is analysed, emphasizing control, stability, and long-term value creation. The guide integrates risk mitigation strategies for both options, emphasizing the importance of negotiating favourable terms and conducting due diligence. As businesses stand at the crossroads, this guide serves as a strategic compass, empowering informed decisions aligned with financial goals, operational needs, and sustained success in the dynamic business landscape.

 

Implementation of Bailouts on Umrah Financing Products at FIFGROUP Amitra Syariah in the Perspective of Positive Law and Islamic Law

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The implementation of Umrah financing through bailouts is a product issued by PT. FIFGROUP (AMITRA) for Umrah financing through Umrah bailout funds using ijarah contracts, referring to Fatwa DSN MUI No. 09/DSN-MUI/VI/2000 concerning Ijarah Financing and Fatwa DSN MUI No. 44/DSN-MUI/VIII/2004 related to multiservice financing. Implementation of Umrah bailout funding at PT. FIFGROUP (AMITRA) benefits Ujrah by considering the customer’s repayment time rather than taking advantage of salaries and administrative services provided by PT. FIFGROUP (AMITRA) to customers. The view of Islamic law and positive law regarding the financial arrangement of Umrah through PT FIFGROUP (AMITRA) Genteng uses the Qardh Wal Ijarah contract because the implementation of the contract is not in accordance with what is regulated in fatwa DSN No. 29/DSN-MUI/VI/2002, where the amount of all-ijărah service compensation cannot be borne based on bailouts. Al-Qardh, or the provisions of Islamic law, tend to contain elements of usury.

Segmentation Analysis and Target Market Identification of Halal Tourism in Aceh Province

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This study aims to identify market segments and appropriate target markets for halal tourism in Aceh Province. The research method used is quantitative with data collection through questionnaires. The study findings show that Aceh Province has great potential as an attractive halal tourism destination, with the majority of respondents willing to pay more for high-quality halal tour packages. The study also identified different market segments with specific needs and preferences, which can help tourism industry players to develop targeted marketing strategies and products that meet the diverse needs of halal tourists. Suggested recommendations include development and promotion, provision of high-quality tour packages, increased awareness and visitation, targeted product development, provision of affordable travel options, and improved facilities and services. These recommendations are expected to help tourism industry players in Aceh Province to optimize the potential of halal tourism and increase Aceh’s attractiveness as a global tourism destination.

Challenges and Solutions in Network Security for Serverless Computing

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This research study explores the challenges and solutions related to serverless computing so that the computer systems connected to the network can be protected. Serverless computing can be defined as a method of managing computer services without the need to have fixed servers. The qualitative research method is used by this research study, which does not include any numerical data and involves the examination of non-number data so that the network security challenges can be identified in detail. In the literature review, the past studies from 2019 to 2023 are reviewed to identify study gaps so that the foundation for investigating serverless network security. The literature review is based on thematic analysis, so all the data can be organized into meaningful themes. The findings of this research study include the solutions to the challenges like data privacy, insecure dependencies and limited control. The strategies to overcome these challenges include encryption, strong monitoring and other relevant strategies. This research study also suggests the use of blockchain technology and Artificial Intelligence. In short, this research study provides insights to improve serverless computing security and also guides future researchers to innovate creative solutions for developing security challenges.

The Influence of Service Quality and Price on KRL Commuter Line Route Solo – Jogja to Customer Loyalty

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Transportation as an important element in human life, plays a role in facilitating daily activities and supporting the economy. But because of the heavy traffic caused by so many motorized vehicles, people are looking for alternate options, including taking the KRL commuter line. This study attempts to determine how customer loyalty is affected by the cost and level of service provided on the KRL Commuter Line Solo-Jogja route. The findings, which emphasize providing excellent service and living up to customer expectations, demonstrate that service quality has a favorable and substantial impact on customer loyalty. However, pricing has little effect on consumer loyalty. This is mostly because workers use the KRL Commuter Line a lot when they are commuting, which may make prices inaccessible to some groups. Customer loyalty is influenced by both price and service quality, according to simultaneous study, which implies that raising prices and enhancing customer service quality can boost customer loyalty. However, this study adds to our understanding of the variables influencing consumer loyalty in the context of public transportation in particular and is significant in relation to the Solo-Jogja route of the KRL Commuter Line.

Improvement of Mobile Computer Laboratories Services in Dar es Salaam, Tanzania

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The mobile computer laboratory is a standard computer laboratory that can be moved from one place to another to meet the predefined needs of the community. This can be achieved through mobile computer buses, mobile computer flex carts, or mobile computer vans, depending on the required capacity and level of mobility. Improving the services of mobile computer laboratories adds value by simplifying the process of community digital transformation and reducing the negative impact of the digital divide. Current studies on the challenges of mobile computer laboratories have identified areas for improvement, particularly in terms of education services and courses related to information and communication technology (ICT). One major challenge is creating awareness among communities about the existence and benefits of mobile computer laboratories, as government authorities are often hesitant to implement these services. The findings of this study suggest that effectively implementing mobile computer laboratories improves ICT education and enhances general community digital transformation, with a focus on specific community groups. Furthermore, the effectiveness of mobile computer laboratories can be measured in terms of resources, benefits obtained from the services provided, and the language used in communication. When implementing mobile computer laboratory services, it is important to consider the relationship between the expectations of the beneficiaries and the overall objectives of the program.

Retail Business Development Using BSI Smart Agent Electronics: A Strategy for Increasing Sales Volume in Minimarket Businesses

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This study aims to determine retail the business development strategy to increase sales volume. In this case, Minimarket Bintang Indah utilizes BSI Smart electronics as a strategy to increase sales volume. This research was conducted based on the qualitative paradigm strategy, and implementation model. This research uses a descriptive approach to be able to explain the phenomena that occur in the research subject, namely Bintang Indah Minimarket. Data collection was done by observation, interview, and documentation. Research results show that Minimarket is in a profitable position where the strengths it has are in line with the opportunities promised so that the strategy is implemented it’s right and can continue to support retail business development.

The Impact of South Korean Work Culture in Improving Working Performance: A Multiple Regression Method Analysis

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This study aims to assess the South Korean work culture implemented at WITCON Co., Ltd., its impact on enhancing employee performance, and the extent of its influence. This form of research employs a blend of quantitative and qualitative methodologies, sometimes called mixed methods. WITCON Co., Ltd. is at 35 Seochangnamsunhwan-ro 215beon-gil, Namdong-gu, Incheon, Republic of Korea. The acquired data is primarily classed as independent and dependent variables. Work culture is an independent variable, meaning it can influence other variables.

On the other hand, employee performance is classified as a dependent variable, meaning other variables impact it. Both variables were measured using instruments in a questionnaire comprising multiple questions, which were subsequently employed to collect participant data. The poll was administered to the whole foreigner workers at WITCON, comprising 30 people with E-7 and E-9 visas. Hence, the approach employed to examine this study’s findings involves utilizing multiple regression analysis. Multiple linear regression is a regression model that incorporates multiple independent variables. Multiple linear regression analysis is conducted to ascertain the magnitude and direction of the independent variable’s impact on the dependent variable. Furthermore, a Sobel test is conducted to ascertain the statistical significance of the indirect influence of the independent variable on the dependent variable via the mediator variable in a mediation model. The findings indicate that South Korea’s work culture prioritizes the enforcement of discipline in order to attain objectives while still being adaptable and accepting.