Judul: Effect of Quality Products and Services Financing Customer Satisfaction Level of SMEs at PT. Bank Syariah Mandiri Bogor
Abstrak: As one banking institution whose shares are 99% owned by Indonesia's largest state-owned bank, Bank Syariah Mandiri (BSM) actively participate in order to implement and support government policies and programs in developing Small and Medium Enterprises (SMEs) in particular by providing financing to SMEs. Sectors of SMEs is now rated as one of Indonesia's economic strength is quite significant. Similarly in the banking world, banks began to compete to improve the portfolio in the field of SMEs financing. To be able to achieve a good quality product and outstanding service, there is need for the various steps of strategic and sustainable. Factors that determine the selection of products and services to customers. Quality products and good service will lead to customers choosing to use the products and services of a bank. The purpose of this study are: (1) to identify the customer's desire for products and services the SMEs finance sector in the BSM Branch Bogor, (2) to analyze the level of customer satisfaction of products and services SMEs financing in the BSM Branch Bogor and (3) to apply strategy efforts to improve our products and services SMEs financing in the BSM. The data was collected by means of interviews conducted to obtain primary and secondary data directly from customer financing SMEs by using an assessment instrument in the form of questionnaires, observation, and literature study. Primary data obtained in the form of questionnaires from respondents who are customers in the field of SMEs financing in the BSM Branch Bogor. The method of analysis used in this study were: (1) multiple linear regression method, (2) CSI (Customer Satisfaction Index) and (3) SWOT (Strengths, Weaknesses, Opportunities and Threats) analysis. Analysis of the results of the study: (1) There is the influence of customer satisfaction with quality products and services, where the magnitude of the effect (Adjusted R square) is 0,096 (9,6%), which means the quality of products and services affect the results of customer satisfaction by 9,6% and the rest (91,4%) affected other factors besides the quality of products and services, (2) Calculation of CSI for SMEs PT service quality attributes. BSM Bogor is 78,1% or 0,66 to 0,80, which means customers were satisfied with the service performance of SMEs in the PT. BSM Bogor, (3) The results of the SWOT analysis showed that the development strategy of the matrix IE, showed that the position of SMEs financing products located on the cell I (growth), then the strategy is market penetration and products development.
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Judul: Analysis of Service Quality and Customer Satisfaction of Bank  Syariah Mandiri
Abstrak: Persaingan antara perusahaan pada era globalisasi ini semakin tajam, perhatian terhadap kepuasan maupun ketidakpuasan pelanggan telah semakin besar, banyak pihak yang menaruh perhatian terhadap hal ini. Oleh sebab itu, perusahaan harus menempatkan orientasi pada kepuasan pelanggan sebagai tujuan utama. Penelitian ini bertujuan untuk mengidentifikasi standar pelayanan yang diberikan BSM kepada nasabah, menganalisis atribut mana yang menjadi prioritas utama untuk dilakukan perbaikan oleh BSM, menganalisis tingkat kepuasan nasabah terhadap kualitas pelayanan BSM, dan mengetahui urutan peringkat atribut yang harus diperhatikan untuk dilakukan perbaikan yang memiliki nilai potensial. Hasil analisis Customer Satisfaction Index (CSI) nilai kualitas pelayanan terhadap kepuasan nasabah BSM mencapai nilai 76,59%, artinya secara keseluruhan nasabah merasa puas terhadap kinerja pelayanan BSM. Dalam menjaga loyalitas pelanggan, atribut-atribut yang perlu diprioritaskan untuk diperbaiki berdasarkan analisis Importance Performance Analysis (IPA) yaitu atribut tersedianya informasi di BSM yang dapat dimanfaatkan dan diketahui nasabah, memberikan fitur-fitur yang lengkap dalam pelayanan digital, dan nasabah tidak terlalu lama menunggu pelayanan. Selain itu, atribut yang memiliki nilai potensi berdasarkan indeks Potential Gain in Customer Value (PGCV) diatas rata-rata yang dimulai dari atribut yang memiliki nilai PGCV yang paling tinggi., Competition between companies in this era of globalization is getting sharper, attention to customer satisfaction and dissatisfaction has been getting bigger, many parties are paying attention to this. Therefore, companies must place an orientation on customer satisfaction as the main goal. This study aims to identify the service standards provided by BSM to customers, analyze which attributes are the top priority for BSM improvements, analyze the level of customer satisfaction with BSM service quality, and determine the ranking order of attributes that must be considered for improvements that have potential value. The results of the Customer Satisfaction Index (CSI) analysis showed that the value of service quality on BSM customer satisfaction reached a value of 76.59%, meaning that overall customers were satisfied with BSM service performance. In maintaining customer loyalty, the attributes that need to be prioritized for improvement are based on Importance Performance Analysis (IPA), namely the attributes of information available in BSM that customers can use and know, provide complete features in digital services, and customers do not wait too long. service. In addition, attributes that have a potential value based on the Potential Gain in Customer Value (PGCV) index are above the average starting from the attribute that has the highest PGCV value.
Keyword: Customer satisfaction, Service, IPA, CSI, PGCV

Judul: Embriogenesis ikan buta (Astyanax fasciatus)
Abstrak: Ikan buta Astyanax fasciatus adalah spesies ikan unik dari famili Characidae yang menempati perairan dalam gua di Wilayah La Cueva Chica-San Luis Potasi-Mexico. Ikan ini memiliki mata yang tereduksi (Blind Cavefish) dan warna kulit merah muda, pucat serta mengkilap.
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