This study aims to analyze the impact of the use of Quick Response Code Indonesian Standard (QRIS), perceived ease of use, and security risk on food purchasing decisions at Resto Tom Sushi, with user experience as a mediating variable. The increasing adoption of digital payments through QRIS and mobile banking (m-banking) has changed consumer transaction patterns, especially in the restaurant industry. This study uses a quantitative approach with a survey method involving QRIS and m-banking users at Resto Tom Sushi. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results showed that the use of QRIS, perceived ease of use, and security risk had a significant effect on purchasing decisions. In addition, user experience plays a mediating role that strengthens the relationship between independent variables and purchasing decisions. These findings emphasize the importance of good user experience and digital literacy in increasing the effectiveness of digital payments and encouraging the adoption of non-cash payments in the culinary sector.

This research aims to determine the effect of ROA, LDR, and company size on company value in banking companies listed on the Indonesia Stock Exchange for the 2020-2022 period. The population taken was banking company semi-annual data for 3 periods totaling 264 data. This research uses a panel data regression analysis method with a stress test approach. The type of stress test used in this research is sensitivity theory, where ROA, LDR, and company size on banking company value show sensitive results when the Covid-19 pandemic shock occurs. In addition, the research results show that ROA, LDR, and company size have a negative and significant effect on company value.

MSMEs are one of the strengths in economic development in Semarang City, especially in the food sector. However, food MSMEs are the first rank that have not registered a brand. The current rise in imitation and counterfeiting of brands has made legal protection of brands an important requirement in business development. The problem in this research is how to legally protect brand rights for food MSMEs in Semarang City. This research aims to provide knowledge to food MSMEs about legal protection of brand rights so that food MSME businesses can develop with legal certainty. This research uses an empirical normative juridical approach and is descriptive analysis. The results of the research were that the Department of Cooperatives and Micro Enterprises of Semarang City provided free brand registration facilities for MSMEs that were only supported, and many problems were found related to the legal protection of brand rights in the City of Semarang..

Generation Z or Gen-Z is a generation that was born and grew up in an era of continuously developing technology. Surveys show that more than fifty percent of the generation Z workforce experiences work burnout. This research wants to look again at whether it is true that workers in the Gen-Z age get tired more quickly than previous generations. The aim of this research is also to look at the factors that influence work fatigue for employees belonging to the Gen-Z age group, namely those born between 1995 and 2012. The determining factors for Gen-Z employee fatigue are determined by two factors, namely the work environment and working hours. Apart from that, there is an intermediary factor, namely work motivation, which influences work fatigue. The population of this study were employees of the Central Java Regional Financial Agency with a sample of 111 Gen-Z employees. The analysis method uses convergent tests, reliability tests, hypothesis testing with the SmartPls Version 3 analysis tool. The results of this study found that only the working hours variable determines work motivation and work fatigue in generation Z employees. Meanwhile, work environment variables have no influence on work motivation and work burnout in Gen-Z employees. The limitations of this research are the small number of employees and not separating female and male employees. Future research could use the gender variable as a control variable. Apart from that, the research object can be extended to employees who work in shifts or employees who have flexible working hours such as online drivers or supermarket workers who open shops 24 hours.

<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.