The purpose of this study is to examine the effect of credit risk and liquidity risk on profitability with loan restructuring and income diversification as moderating variables. The research population is all general banking companies, which were listed on the Indonesia Stock Exchange (IDX) during the period 2018-2021. The research sample was created using the purposive sampling technique and 160 observations were obtained. This study conducts panel data regression analysis using EViews 12 software. The results of this study indicate that an increase in credit risk reduces profitability, liquidity risk does not affect profitability, a loan-restructuring strategy can reduce the effect of credit risk on profitability, and an income-diversification strategy can reduce the effect of liquidity risk on bank profitability. The research findings provide an understanding of banking strategy, namely loan restructuring and income diversification can increase banking profitability under urgent conditions. This study provides support for contingency theory and stakeholder theory. The limitation of this research is that it does not discuss Islamic banking because the policies of those companies are different in terms of rules and there are limited data.

The research objective is to analyze the effect of women's empowerment, bricolage, and entrepreneurial orientation, in improving business performance and life satisfaction perceived by women entrepreneurs through subjective well-being. The sampling technique used is non-probability sampling and data collection methods through non-behavioral observation, structured interviews, and in-depth interviews. The research data were sourced from primary data through questionnaires and interviews and used a sample of 113 weaving entrepreneurs in Bali Province. Data analysis techniques with descriptive statistics and Structural Equations Model using Partial Least Square. The results showed that: women's empowerment and entrepreneurial orientation influences business networks. Entrepreneurial orientation, business networks and bricolage have a significant effect on business performance. Empowering women has no significant effect on business performance. But overall, women's empowerment, entrepreneurial orientation, business networks and business performance have a significant effect on subjective well-being. Bricolage strengthens the role of women's empowerment in the business performance of weaving owners. The positive influence of women's empowerment and entrepreneurial orientation through business networks on business performance and subjective well-being. Business performance mediates the influence of women's empowerment, entrepreneurial orientation, and business networks on subjective well-being.