This study aims to prove and analyze the effect of financial knowledge, financial behavior, and digital financial capabilities on financial inclusion, financial concern, and performance in Small and Medium Enterprises (SMEs) in East Java. The population used in this study was 1,387,854 Micro, Small and Medium sized Enterprises (MSMEs) actors in East Java, which is located in the Gerbangk ertasusila area. The sample in this study were 395 respondents who were determined by the non-probability sampling method. In this study a questionnaire research instrument was used, namely a set of questions answered to respondents to obtain written information related to research variables and used the Structural Equation Modeling (SEM) analysis technique. The results of the study show that: (1) Financial knowledge has a significant effect on financial inclusion, (2) Financial behavior has a significant effect on financial inclusion, (3) Digital financial capability has a significant effect on financial inclusion, (4) ) Financial inclusion has no significant effect on financial problems, (5) Financial knowledge has a significant effect on financial concerns, (6) Financial behavior has a positive and significant effect on financial concerns, (7) Digital financial capability has a significant effect on financial concern, (8) Financial knowledge has an insignificant effect on MSME performance, (9) Financial Behavior has no significant effect on MSME performance, (10) Digital financial capability has no significant effect on MSME performance, (11) Financial inclusion has a positive and significant effect on MSME performance. (12) Financial concern has a positive and significant effect on MSME performance.

This study aims to examine how Mother and Child Hospital (RSIA) Type C performance in East Java with a population of 67 owners is affected by organizational competency, external networking, entrepreneurism, competitive advantage, and corporate social responsibility (CSR). The results of the eight hypotheses using partial least squares (PLS) are as follows: 1) Organizational ability has a big and favorable impact on business performance. The hypothesis has been accepted. 2) The external network has a small but positive impact on company performance. 3) Entrepreneurial mindset has a favorable and significant impact on business performance. The hypothesis has been accepted. 4) Competitive Advantage is influenced by organizational capability in a favorable and meaningful way. The hypothesis has been accepted. 5) External networking contributes to competitive advantage in a positive and important way. The hypothesis has been accepted. 6) Entrepreneurial orientation affects competitive advantage in a favorable and important way. The hypothesis has been accepted. 7) Competitive advantage has a major and favorable impact on business performance. The hypothesis has been accepted. 8) Competitive advantage has little effect on Corporate Performance when CSR is regulated. The hypothesis was disproved.

This research was conducted to analyze the influence of supply networks and management control systems on manufacturing companies' efficiency and profitability in East Java, Indonesia. With increasing competition, it takes the design of a system integrated to obtain profitability of the company. The study uses a quantitative descriptive method with a survey approach using a questionnaire data collection tool. Data analysis is operated using the theory of path analysis to determine the magnitude of the value of each construct calculated in the test equipment. From the results of the tests that have been conducted, only the supply network has no significant effect on efficiency. At the same time, other variables have a close and meaningful relationship. The study concluded that only one construct of the five hypotheses had an insignificant influence on bound variables. The main finding of this study is that companies should also have sensitivity to the social environment created as part of the supply network, as it can reduce the value of the Company's profitability if not designed appropriately and accurately.

This study aims to determine the relationship between financial distress and systematic risk, the relationship between financial distress and profitability, the relationship between systematic risk and stock returns, the relationship between profitability and stock returns, and the indirect effect between financial distress and stock returns through systematic risk and company profitability. by collecting data on the Indonesia Stock Exchange on chemical companies and the element industry in 2018-2020. This study was conducted to find out the answers to the impact caused by the global economic turmoil. Using the PLS-SEM method and four latent variables, which are divided into one endogenous variable, two moderating variables and one exogenous variable, it is hoped that it can provide value for the statistical calculation activities carried out. This study uses a quantitative descriptive method with two moderating variables that link financial distress and stock returns. This study produces a specific indirect effect; the financial distress variable significantly impacts Stock Return through systematic risk and profitability variables with a p-value < 0.05. The main finding of this study is the significant impact of world economic turmoil that must be faced by creating systematic risk to convince. Investors and provide education to potential investors.

This research was conducted in connection with the effective enactment of International Financial Accounting Standard IFRS 2020 to improve the concept of hedging accounting as well as basic measurement and classification of financial instruments. IFRS carries the concept of Expected loss backup which begins to acknowledge losses if there is a potential failure to pay even though it has not really happened, allowing the bank to form a larger loan-loss provision. The loan-loss provision is formed based on the number of failed pays in credits indicated by the ratio of Non-Performing Loans (NPLs). Fund distribution can be regulated by the Third-party Fund (TPF). The increasing number of loan-loss provisions and NPLs are feared to affect capital conditions for the bank. Therefore, the study aims to determine the partial and simultaneous influence of the loan-loss provision, Non-Performing Loans (NPLs), and third-party Fund (TPF) against the bank's capital adequacy ratio (CAR). The samples in this study are central government-owned banks, namely Bank Mandiri, Bank Negara Indonesia, Bank Rakyat Indonesia, and Bank Tabungan Negara period from 2011 to 2018. Data taken is a data time series of the quarterly financial statements published by the respective online website of the bank. The analysis used is a multiple linear regression analysis using SPSS Tools version 21 and Microsoft Excel. The results showed that a partial loan-loss provision had no significant effect on the bank's capital adequacy ratio, while the Non-Performing Loans (NPLs) and the Third-party Fund (TPF) were partially influential of the bank's capital adequacy ratio. Simultaneously the three independent variables have a significant effect on the dependent variable capital adequacy ratio (CAR).

This research discusses and analyzes scientific, macroeconomic, financial risk management, audit views, stock returns, investment decisions, funding decisions, and good corporate governance as a moderator. There are 147 samples of manufacturing companies listed on the Indonesia Stock Exchange. The results of this study indicate that there are four insignificant hypotheses. The results indicate: Macroeconomics does not have a substantial effect on Financial Risk Management, Good corporate governance (GCG) is having no significant impact on Going Concern Audit Opinion. Stock Return is having no significant effect on Going Concern Audit Opinion; GCG does not moderate the impact of Stock Return on Going Concern Audit Opinion when the level of significance is five percent.