The research aims to determine the effect of financial literacy, financial strain, financial management behaviour, and income on financial satisfaction in the e-wallet user in Surabaya. The research is a type of conclusive causality research with quantitative research data using purposive sampling and snowball sampling techniques. The data collection instrument used in this research was the distribution of online questionnaires. The samples used in this research were 207 respondents from e-wallet user in Surabaya. The data analysis use Structural Equation Model (SEM) technique with AMOS tools. This research shows that only financial management behaviour influences financial satisfaction because of their good financial management awareness. Financial literacy has no financial satisfaction because the information is easy to get, but what is received is not necessarily correct. Financial strain has no influences on financial satisfaction because respondent did not experience financial strain, so most of them are college students and students. Income also has no influences on financial satisfaction because the income received still depends on each parent.

This research aims to know and analyze the influence of leverage on dividend policy with firm size and profitability as a mediating variable. This research was conducted on the agriculture sector listed on Indonesia Stock Exchange (IDX) period 2014-2018. The agriculture sector was chosen because his activities on IDX more fluctuate than another sector however, Product Domestic Bruto (PDB) rose consistently during 2014-2017. The type of this research is causal research with a quantitative approach. The population of this research is the agriculture sector listed on IDX period 2014-2018. The population in this research as many as 18 companies. This research sampled using a purposive sampling technique and retrieved nine companies as a sample. Methods of data analysis used in this research using Path Analysis with SmartPLS 3.0 analysis tools. This research found that leverage statistically significant positive to profitability, leverage does not affect the firm size and dividend policy, firm size statistically insignificant to dividend policy, profitability statistically insignificant to dividend policy. Both firm size and profitability can not be mediating variable between leverage and dividend policy. The result of this study hopefully can be used by companies agriculture sector to determine dividend policy. For investors, it is expected that it can be considered before investing.

Business succession is critical to have for the continuity of family business. This research focuses on the non-agricultural MSMEs managed by families and located in the Surabaya because BPS data shows that the number of MSMEs in the non-agricultural sector in Surabaya is the highest compared to other cities in East Java Province. This research aimed to determine the effect of financial technology, succession planning, financial self-efficacy, and personality systems on family business succession. They are using a sample of 110 respondents of MSME owners from online and offline questionnaires. Data were analyzed using multiple linear regression and processed using SPSS 26. This research shows that the variables financial technology, financial self-efficacy, and personality system have a significant positive effect. In contrast, the variable succession planning has a significant negative effect. It is hoped that the Surabaya government can use the results of this research to improve socialization related to financial technology, financial self-efficacy, and personality systems for the succession of family businesses can be sustainable.

The Balanced Scorecard analyzes the overall performance of the organization through four perspectives. This study tries to show a Balance Scorecard perspective, then a SWOT analysis and can determine the company's position according to the Internal External Matrix. The object of this research is a holding company in the banking sector. Data collection methods in this study are primary and secondary data. Primary data can be obtained through interviews with key informants, and secondary data is obtained through documentation of the required data obtained from PT Bank X. The matrix is in accordance with the company's SWOT, then the results will be clarified using the IFE Matrix (Strength - Weakness) and EFE Matrix (Opportunities - Threats). The two Matrix that has been formed are plotted into the Internal - External Matrix and are in quadrant 1, so that PT Bank X's strategic position can be found in the Grow and Build position. The most appropriate strategy based on the Grow and Build position is to apply an Intensive Strategy with a specific strategy using market development strategies and product development. Based on the analysis of the BSC and IE Matrix, a strategic recommendation is produced on product development, including making efforts to improve the quality of human resources, improve credit quality, and digitize banking in preparing for competition in the era of industrial revolution 4.0. | Balanced Scorecard menganalisis kinerja organisasi secara keseluruhan melalui empat perspectif. menilai organisasi melalui Financial Return hanya memberikan informasi tentang kinerja organisasi sebelum penilaian, sehingga kinerja masa depan tidak dapat diprediksi dan tidak dapat mengambil strategi maupun tindakan yang tepat untuk Sustainable Development Growth. Penelitian ini mencoba menunjukkan perspektif Balance Scorecard, kemudian analisis SWOT dan dapat ditentukan posisi perusahaan sesuai Internal External Matrix. Objek pada penelitian ini adalah perusahaan sektor perbankan. Metode pengumpulan data pada penelitian ini adalah dengan data primer dan sekunder. Data primer dapat diperoleh melalui wawancara dengan key informan, serta data sekunder didapat melalui dokumentasi data data yang dibutuhkan diperoleh dari PT Bank X. Matrix sesuai dengan SWOT perusahaan, selanjutnya akan dilakukan klarifikasi hasil menggunakan IFE Matrix (Strength Weakness) dan EFE Matrix (Opportunities - Threats). Kedua Matrix yang telah terbentuk tersebut diplot ke dalam Internal External Matrix, dan berada di kuadran I, sehingga dapat diketahui posisi strategik PT Bank X pada posisi Grow and Build. Strategi yang paling tepat berdasarkan posisi Grow and Build adalah dengan menerapkan Intensive Strategy yang spesifik strateginya dapat menggunakan strategi pengembangan pasar, dan product development. Berdasarkan analisa BSC dan IE Matrix dihasilkan suatu rekomendasi strategi pada product development, diantaranya melakukan upaya peningkatan kualitas SDM, perbaikan kualitas kredit, serta digitalisasi perbankan dalam mempersiapkan persaingan di era revolusi industri 4.0

This study is the first study in Indonesia that examines the factors that influence financial anxiety. Financial anxiety is a negative psychological impact where there is a decrease in various aspects so that, in total, it causes stress levels to jump. This study focuses on adolescents who live in Surabaya, which, based on BPS data, the city of Surabaya has the largest population in East Java and is dominated by adolescents. This study aims to determine the effect of income, debt, financial knowledge, and financial satisfaction on financial anxiety. Data were collected by distributing online questionnaires with random sampling methods to 154 respondents. Then, data were tabulated in excel, analyzed and processed using multiple linear regression in SPSS. The result of this study indicates that none of the independent variables affects financial anxiety. This is presumably due to the lack of public knowledge about financial anxiety, especially among Surabaya adolescents. Few studies examine financial anxiety as the dependent variable, which thought to cause limited public knowledge about this topic. Therefore, this study is expected to increase knowledge, literacy, and public awareness regarding financial anxiety, especially to adolescents in Surabaya.

This study aims to obtain empirical evidence of the effect of stock liquidity on the stock price crash risk. Stock liquidity is measured by measuring Trading Volume Activity (TVA). The stock price crash risk is calculated using the negative coefficient formula model of skewness (NCSKEW). The sampling method was purposive sampling. The sample includes 8 consumer goods companies on the Indonesia Stock Exchange (BEI) from 2010 to 2019. The hypothesis in this study was tested using multiple linear regression analysis models with Eviews9 software. The result shows that stock liquidity has a significant negative effect on stock price crash risk. Size as a control variable also has no significant effect on stock price crash risk. However, the second control variable, price on book value (PBV), has a significant positive effect on stock price crash risk. The results indicate that a critical factor in reducing stock price crash risk is high investor interest to monitor the company's development. | This study aims to obtain empirical evidence of the effect of stock liquidity on the stock prices crash risk. Stock liquidity is measured by measuring Trading Volume Activity (TVA). The stock price crash risk is calculated using the negative coefficient formula model of skewness (NCSKEW). The sampling method used was purposive sampling in order to obtain 8 observation companies of the consumer goods industry on the Indonesia Stock Exchange (BEI) for the period 2010-2019. The hypothesis in this study was tested using multiple linear regression analysis model placed with Eviews9 software. Based on the test results it was found that stock liquidity as measured by trading volume activity (TVA) had        a significant negative effect on the stock prices crash risk, while Size as a control variable it also has no significant effect, but the second control variable, namely price on book value (PBV) has a significant positive effect.

The bank, as financial intermediaries, is institutions that collect funds from society and distribute those funds for credit and providing other banking services. So, banking health is essential to prevent banks from Financial distress that leads to bankruptcy. This study analyses the effect of the CAMEL ratio and macroeconomic factors to predict non-foreign exchange bank is in 2014-2019 Financial distress. The CAMEL ratio consists of Capital proxied by CAR (Capital Adequacy Ratio), Asset Quality proxied by NPL (Non-Performing Loan), Management proxied by BOPO (Operating Expense to Operations Income), Earning proxied by ROA (Return on Asset), Liquidity proxied by LDR (Loan to Deposit Ratio). Then, macroeconomic factors proxied by GDP (Gross Domestic Product) and Inflation. This study used 20 non-foreign exchange bank is in 2014-2019 as the sample was determined using purposive sampling, and the statistical methods used to analyze is logistic regression in SPSS 25. This study shows that CAR, NPL, BOPO, LDR, GDP and Inflation have no significant effect on the probability of a bank's financial distress. On the other hand, ROA has a significant effect on the probability of a bank's financial distress.

This study examines the role of recruitment and job placement at PT. Indomarco Adi Prima Surabaya influence work productivity. This research with a quantitative approach has 60 populations. The tests performed were data analysis of validity, reliability, and classic assumption tests, including normality test, autocorrelation test, multicollinearity test, and heteroscedasticity test. Furthermore, hypothesis testing includes test (R2), T statistical test, F statistical test, and multiple linear regression test. Data collection use observations, interviews and (primary) questionnaires. Data analysis use multiple linear regression with SPSS (v.18). The results showed that partially and simultaneously, the variables of recruitment and job placement had a significant positive effect on employee work productivity. Partially the better the recruitment system, the better work productivity will be. Likewise, a good job placement will increase employee work productivity. Furthermore, simultaneously the variable recruitment and good work placement will increase employee productivity.

The increasing level of competition in marketing requires companies to present different marketing strategies that are superior to competing companies. Caffino is a local coffee brand from Indonesia that using celebrity endorsement as marketing strategies to enhance customer purchase intention. The purpose of this paper is to analyze and discuss the effect of celebrity endorsement and brand image on purchase intention through the attitude toward brand on Caffino coffee. This type of research is quantitative research. This research uses a non-probability sampling technique. Questionnaires were distributed to 200 participants with Google form. Data analysis techniques using path analysis. The results of this study showed that there is a positive and significant effect of celebrity endorsement and attitude toward brand on purchase intention. However, the brand image had no significant effect on purchase intention. There is also a positive and significant effect of celebrity endorsement and brand image on attitude toward the brand.

Competition for fast food restaurants is so fierce that companies need to find ways to do marketing wisely. Social media is one of the growing platforms that can be used as a marketing medium to reach consumers widely and quickly, which will lead to the emergence of consumer purchase intentions. This study aims to examine the effect of viral marketing and brand awareness on purchase intention. This study used 200 respondents with non-probability sampling techniques, and the method used was judgmental sampling were distributed using online questionnaires. Data were analyzed using multiple linear regression. This study found that viral marketing and brand awareness have a significant influence on purchase intention œBurger King Indonesia. Based on the result, it can be used as a recommendation œBurger King Indonesia in increase brand awareness more among competitors and have an impact to purchase intention.

The purpose of this research is to study the impact of the High-Performance Work System (HPWS) and role conflict on job satisfaction at PT Temprina Media Grafika, Nganjuk Branch. The sampling technique used was non-probability sampling”this study uses questionnaires distributed to 40 office employees who worked at PT Temprina Media Grafika Nganjuk. The statistical analysis used in this study was multiple linear tests using SPSS. The results of data testing indicate that HPWS has a significant positive relationship with job satisfaction. This shows that the practice of HPWS in the company is going well, and the level of perceived job satisfaction has also increased. As well as role conflict has a significant negative relationship with job satisfaction. The data test results show that role conflicts that occur within the company will result in a decrease in job satisfaction felt by employees.

The high purchasing power of the people for fashion products is an opportunity for the company to create new business strategies to compete. One of the fashion brands in Indonesia is Berrybenka, which offers a variety of the latest and high-quality fashion needs. However, in consumer purchases made online through websites, there are still negative reviews about Berrybenka. This study aims to analyze the effect of website quality, brand image, and e-WOM on online purchase intentions. This study is focused on Berrybenka websites visitors as a sample with a nonprobability sampling technique. The questionnaire was taken to 200 respondents using a Likert scale. The data analysis technique used multiple linear regression. The results showed that website quality, the brand image had an influence on online purchase intentions and e-WOM had no effect on online purchase intentions.

This study aims to determine the effect of good corporate governance (GCG) and corporate social responsibility (CSR) on companies' value with financial performance listed on the IDX for the 2016-2019 period. This research's object is 19 selected companies in various industrial sectors, with a sample of 76 annual reports that meet the criteria. The data used is the 2016-2019 annual report. The method used is the classical assumption method, multiple linear regression, path analysis method using SPSS version 25. The direct effect study results, GCG, an agency composed of management ownership, institutional ownership, and the board of directors, will not significantly impact the value of the company. GCG, which is proxied by the audit committee and CSR, affects firm value and financial performance (ROA), affecting firm value. The indirect effect research shows that ROA has not been able to mediate the effect of GCG, which is proxied by managerial ownership, institutional ownership, and commissioners' board.ROA is only able to mediate the effect of CSR on firm value.

This study aims to determine the effect of the debt-to-equity ratio on stock prices through return on equity. The research approach used in this study is associative. The population in this study are property and real estate companies listed on the Indonesia Stock Exchange for the 2018-2019 period, totalling 65 companies. The sampling technique in this study was purposive sampling, so the sample in this study amounted to 42 property and real estate companies listed on the Indonesia Stock Exchange for the 2018-2019 period. The data analysis technique in this study uses path analysis, classical assumption test, t-test, and coefficient of determination test. The results indicate that the debt-to-equity ratio negatively and significantly affects stock prices. The debt-to-equity ratio has a positive and insignificant effect on return on equity. Return on equity has a positive and insignificant effect on stock prices. Partially, the debt-to-equity ratio to stock price through return on equity has a positive and insignificant effect, which means that return on equity does not mediate the relationship between debt-to-equity ratio to stock price. | Penelitian ini bertujuan untuk mengetahui pengaruh Debt to Equity Ratio terhadap Harga Saham melalui Return On Equity. Pendekatan penelitian yang digunakan dalam penelitian ini adalah pendekatan asosiatif. Populasi dalam penelitian ini adalah perusahaan property dan real estate yang terdaftar di Bursa Efek Indonesia periode 2018-2019 yang berjumlah 65 perusahaan. Teknik pengambilan sampel dalam penelitian ini adalah purposive sampling sehingga penarikan sampel dalam penelitian ini berjumlah 42 perusahaan property dan real estate  yang terdaftar di Bursa Efek Indonesia periode 2018-2019. Teknik analisis data dalam penelitian ini menggunakan analisis jalur (path analysis), uji asumsi klasik, uji t, dan uji koefisien determinasi. Hasil penelitian ini menunjukkan bahwa Debt to Equity ratio berpengaruh negatif  dan signifikan terhadap Harga Saham. Debt to Equity ratio berpengaruh positif dan tidak signifikan terhadap Return On Equity. Return On Equity berpengaruh positif dan tidak signifikan terhadap harga saham. Secara parsial Debt to Equity Ratio terhadap Harga Saham melalui Return On Equity berpengaruh positif dan tidak signifikan yang berarti bahwa Return On Equity tidak memediasi hubungan antara Debt to Equity Ratio terhadap Harga Saham.

Finance is one of the factors in the development of a business. Therefore, the entrepreneur should be able to handle finances well to reach business purposes. Based on the previous studies, the purpose of this research is to determine the effect of several factors such as financial literacy, financial knowledge, financial attitude, income, and financial self-efficacy on financial management behavior. The research sample is 211 entrepreneur who has graduated from college in Surabaya. This research used conclusive causality research with primary data. The sampling technique used purposive sampling and snowball sampling method, and data distribution using an online questionnaire. SEM (Structural Equation Model) used for data analysis technique and using AMOS 24. The hypothesis showed that financial knowledge, income, and financial self-efficacy did not affect financial management behavior, but financial literacy and financial attitude influence financial management behavior. Therefore, the entrepreneur needs to improve financial literacy and financial attitude to manage finance on the business better. | Finance is one of the factors in the development of a business. Therefore, the entrepreneur should be able to handle finances well to reach business purposes. Based on the previous studies, the purpose of this research is to determine the effect of several factors such as financial literacy, financial knowledge, financial attitude, income, and financial self-efficacy on financial management behavior. The research sample is 211 entrepreneur who has graduated from college in Surabaya. This research used conclusive causality research with primary data. The sampling technique used  purposive sampling and snowball sampling method, and data distribution using an online questionnaire. SEM (Structural Equation Model) used for data analysis technique and using AMOS 24. The hypothesis showed that financial knowledge, income, and financial self-efficacy did not affect financial management behavior, but financial literacy and financial attitude influence financial management behavior. Therefore, the entrepreneur needs to improve financial literacy and financial attitude to manage finance on the business better.

A pandemic causes transactions in e-commerce to increase in health products. During the pandemic, impulsive purchases in e-commerce increased due to lockdown and fear of price increases. This research focuses on impulsive online purchases that are influenced by sales promotions, product quality, and hedonistic behavior. This type of research approach is quantitative with a causality research design. This analysis uses primary and secondary data sources. Data collection method using google form. Question measurement using a 5-point Likert scale. The population is infinite, and the number of samples collected is 197, which corresponds to the characteristics of the respondents is 123 respondents”the statistical analysis using multiple linear regression. The research results state that of the three independent variables, the hedonic behavioural variable significantly affects consumers' impulsive purchases of health products in e-commerce. Other variables, namely sales promotion and product quality, has no significant effect on impulsive purchases.

The stock price can measure effectiveness and company worth. This research aims to affect the company's ability to profit on the stock worth in the consumer goods industry. This research population is the consumer goods industry on The Indonesian Stock Exchange (IDX) from 2017-2020. The sample's selection method uses purposive sampling. Sampling criteria are companies listed on the Indonesia Stock Exchange in the industrial sector of goods and consumption that are not delisted and provide the information needed during 2017 to 2020, respectively. The number of data is one hundred and twenty (120). Data analysis use multiple linear regression by SPSS Statistics 26 for Mac from IBM. The effect of return on equity on stock price is significant positive”return on assets and net profit margin no significant effect on stock return. Companies need ROE to attract investors. The increase in ROE will affect the increase in stock prices.

This study aims to determine the effect of financial knowledge and financial attitude on financial management behavior with the locus of control as a mediating variable. The population of this study were students of the Faculty of Economics and Business in Yogyakarta, totalling 198.144 respondents. Sampling in this study used the purposive sampling technique by using several criteria. The number of samples in this study was 96 respondents. The method of collecting data is by using a questionnaire. Data analysis tools using SmartPLS version 3.0 software. Scale test results of the instruments used in this study meet the validity and reliability analysis standard. Direct significance testing of the hypothesis shows that financial knowledge has a positive effect on financial management behavior, locus of control mediates the positive effect of financial knowledge on financial management behavior, the financial attitude has a positive effect on financial management behavior, and locus of control mediates the positive effect of financial attitude on financial management behavior. | This study aim to determine the effect of financial knowledge and financial attitude towards financial management behavior with locus of control as a mediating variable for students of the Faculty of Economics and Business in Yogyakarta. The population of this study were students of the Faculty of Economics and Business in Yogyakarta, totaling 198,144 respondents. Sampling in this study used purposive sampling technique by using several criteria, namely students of the Faculty of Economics and Business in the Special Region of Yogyakarta, class 2016-2019 because students have studied finance-related subjects that have been studied in lectures, so that students have an understanding and knowledge of finance. The number of samples in this study were 96 respondents. The technique of collecting data by using a questionnaire. Data analysis tools using SmartPLS version 3.0 software. the type of data used is primary data. Direct significance testing of the hypothesis shows that financial knowledge has a positive effect on financial management behavior. Locus of control mediates the positive influence of financial knowledge on financial management behavior. Financial attitude has a positive effect on financial management behavior. Locus of control mediates the positive effect of financial attitude on financial management behavior.

This research aims to determine the effect of experiential marketing on the revisit intention at Si Bolang restaurant and customer satisfaction as mediation variables. The population is the customer of Si Bolang restaurant, with a total of respondents 200. The study method is quantitative and data collection using Google Forms online questionnaire. Data analysis used is Path analysis with SPSS version 25 program, and the variables used included experiential marketing, customer satisfaction, and revisit intention. Data analysis conducted are validity, reliability, path analysis, and Sobel. This research shows a significant effect of experiential marketing on revisit intention; subsequently, customer satisfaction has a significant effect on the revisit intention. Next, experiential marketing has a significant effect on revisit intention, and this study concludes that it is proven that customer satisfaction has a role as a mediation variable between experiential marketing and revisit intention. This research is based on current conditions making eating necessary to meet hunger and turning into culinary tourism with lifestyle changes, making the restaurant industry marketing activities focus on atmosphere, design, hospitality, and other intangible factors. It is necessary to pay attention to strategies in providing experiences to consumers, such as improving the taste of food, developing menus, increasing food presentation, increasing restaurant concepts and improving service in order to increase comfort in dining such as eating at home, so that grow a sense of satisfaction and provide encouragement to consumers' intentions to make repeat visits.

Financial management behavior is essential to have for everyone to achieve their financial goals. This research aimed to determine financial literacy, locus of control, lifestyle, and gender on financial management behavior. Respondent to this research is the students of Universitas Negeri Surabaya. The sample number is 100 respondents with random sampling obtained from online questionnaires”the research method uses a quantitative approach. Data were analyzed using multiple linear regression and processed using SPSS 23. The result of this research is that the variables of financial literacy, locus of control, lifestyle, and gender positively affect personal financial planning. Universitas Negeri Surabaya, especially the student career development section and the Financial Services Authority (OJK), can use this study's results to educate millennials about the importance of managing and planning finances properly.