<p><em>The purpose of this study was to determine how the market structure and efficiency of banking industry in Indonesia.</em><em>The analysis technique used in this research is to use the concentration ratio (CR20) and the Herfindahl Hirchman Index (HHI), and DEA (Data Envelopment Analysis). This study uses data on the number of banking and corporate assets to determine the efficiency of using the 20 banks in the Input and Output of the report Indonesian banking in the period 2007-2012. </em><em>The results showed the level of concentration ratio (CR20) range from 77.69% - 79.47%. The figure shows the structure of the banking industry 2007-2012 period was a tight oligopoly. which means that the structure of the banking industry in Indonesia is not structured oligopoly monopoly but because it is not close to 1. When viewed competition banks in Indonesia is competitive with high concentration and competitive, it is characterized by competition between the market share of twenty dominant company in the Indonesian banking industry in the number of assets. In the calculation of the twenty study Indonesian banking industry in the period 2007-2012 by using the method of DEA (Data Envelopment Analysis) produced differences in the efficiency of each bank, Of the twenty 20 Indonesian banking industry that has not reached the maximum level of efficiency that is 100% should refer to the banking has reached a maximum level of 100% in accordance with the characteristics of banking itself.</em></p><p> </p>

This study aims to examine the factors that influence customer interest in saving at Islamic banks. Samples were taken from 111 respondents with the results of data quality testing showing all the indicators that make up the variables in this study, namely service quality, religion and promotion. valid and reliable so that it can be continued for hypothesis testing. To test the hypothesis, the Multiple Linear Regression analysis tool is used. The results of hypothesis testing prove that service quality, religion, and promotion together have a direct effect on interest in saving in Islamic banks. Religion and promotion partially have a significant effect on interest in savings in Islamic banks while the service variable is not proven to have an effect on interest in savings.

The purpose of this study was to determine the sharia pawnshop strategy for improving the economy of micro, small and medium enterprises at PT. Pegadaian Syariah X in Tangerang, Banten, to find out the prospect analysis of Pegadaian Syariah for improving the economy of micro and small businesses at PT. Pegadaian Syariah X in Tangerang, Banten. This method is a qualitative research method is a research method based on the philosophy of post-positivism, used to examine the condition of natural objects, where the researcher is the key instrument, the sampling of data sources is carried out purposively and snowball, the research technique of collecting data is tri-angulation (combined). ), data analysis is inductive or qualitative using SWOT analysis. The results of the study show that Pegadaian is present as an alternative solution to the problem of limited capital, especially for Micro, Small and Medium Enterprises (MSMEs). In general, MSMEs really hope for financing opportunities that have easy access, light and easy requirements, fast acquisition times, and light installments. they can provide. In accordance with the facts on the ground related to support for national economic growth

With the rapid development of computer technology as a commercial, Internet banking can also be used to attract more customers to conduct banking transactions at related banks. However, the main problem of Internet banking faced by providers is that a large number of bank customers are unwilling to use the offered Internet banking. This happens because the services offered through internet banking have not been able to satisfy their customers. Customer satisfaction is an important factor to help banks maintain a competitive advantage. Therefore, the purpose of this study is to find and examine the determinants that influence the use of Internet Banking services at Bank Syariah Indonesia. The design used is hypothesis testing with data collection techniques through questionnaires. In collecting data using a questionnaire and processed using the method of Structural Equation Modeling. The research variables consist of independent variables including the perception of convenience, the perception of trust, the perception of benefits and risks, while the interest in using Internet Banking as the dependent variable.

Yayasan Palma Sejahtera merupakan smart yayasan yang bertujuan menyelenggarakan berbagai program berbasis sosial dan kegamaan demi kesejahteraan umat. Salah satu program yang diselenggarakan dan sangat diminati peserta saat ini adalah pendidikan tentang kewirausahaan. Hal ini tentunya tidak terlepas dari situasi pandemi Covid-19 saat ini, yang membawa dampak terhadap menurunnya pendapatan bagi mereka yang telah memiliki UMKM maupun yang memiliki keinginan untuk membuka usaha demi mendapat tambahan penghasilan. Untuk menjalankan program ini, pihak pengelola telah menjalin kerjasama dengan FEB Usakti untuk memberikan pelatihan tentang manajemen pemasaran di Yayasan Insan Palma Sejahtera dengan lancar dan berhasil mendapatkan pelanggan yang prospektif tentu menjadi impian besar bagi para pelaku usaha, baik usaha kecil, menengah, maupun perusahaan besar. Pelanggan sebagai sumber pendapatan yang mendatangkan untung besar setiap bulannya harus dipelihara dan ditingkatkan jumlahnya. Meskipun begitu, sampai sekarang para pelaku usaha khususnya UMKM masih sering menghadapi beberapa kendala dalam hal menarik perhatian calon konsumen dan bersaing di pasar melalui harga yang ditawarkan. Banyak pelaku UMKM yang memiliki pelanggan tidak terlalu besar memperoleh omset penjualan yang belum bisa maksimal, karena kurang memahami strategi penetapan harga dan memelihara hubungan dengan konsumen dalam situasi Covid-19 saat ini.