This study aims to see the effect of Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Company Size (Size) on Return On Assets (ROA) through Non Performing Loans (NPL). The object of this research is 180 secondary data from the financial statements of the Financial Services Authority, but there are only 164 data because the normality of the data does not reach 0.05. The method of data analysis in this research is descriptive analysis, data normality test, path analysis test and sobel test. The tool or application used to analyze the data in this study is SPSS v.24 software. The results of this study indicate that the LDR variable has a significant effect on ROA, the CAR variable has a significant effect on ROA, the Size variable has a significant effect on ROA, the NPL variable has no significant effect on ROA, the LDR, CAR and Size variables on ROA through NPL cannot mediate.
 

<p class="Default"><em>This research was motivated by the existence of problems regarding the personal financial management behavior of the Students of the Faculty of Economics and Business Management Study Program at Dian Nuswantoro University Semarang (UDINUS)  in 2021. This research was shown to examine financial literacy, financial attitudes, lifestyle and social environment on the personal financial management behavior of UDINUS students. This study amounted to 170 respondents using purposive sampling technique. Testing the data by doing classical assumption test, instrument test, multiple linear regression test and hypothesis testing with SPSS Version 23 analysis tool. The results of the study describe a positive and significant influence between financial literacy and financial management behavior in UDINUS students. Second result , there is a positive and significant relationship between financial attitudes and financial management behavior in UDINUS students. Third result is lifestyle does not have a positive effect on  financial management behavior in UDINUS students. The last result is the social environment also have a positive and significantly effect on   financial management behavior in UDINUS students.   </em></p>

Financial distress is a financial condition of a company that is in a state of crisis. The purpose of this study is to find out the effect of liquidity, leverage, operating capacity, profitability, and firm growth on financial distress. The population of this study is manufacturing companies listed on the Indonesia Stock Exchange in 2017-2018 with the sampling technique using porposive sampling or criteria. Based on the technique, obtained sample of 112 companies. The results of this study indicate that liquidity and profitability has a significant effect on the financial distress of manufacturing companies listed on the Indonesian stock exchange. Meanwhile, leverage, operating capacity, and firm growth have no effect on the financial distress of manufacturing companies listed on the Indonesian Stock Exchange.