Micro Small and Medium Enterprises (MSMEs) as independent business units and managed are individually have proven  make a major contribution to National income and employment. Provinces in Indonesia that have the largest number of MSMEs is DKI Jakarta which is in ranked fourth after West Java, Central Java and East Java. However, there are still major problems in the Indonesian MSME sector that aren’t bankable that means they are unable to meet banking criteria and requirements, so it is necessary to improve financial management behavior to support business development. This study aims to determine the effect of financial knowledge, financial attitude and personality on financial management behavior in MSME in the DKI Jakarta. The sampling technique in this study used simple random sampling so that a sample of 102 MSME was obtained as respondents who were given questionnaires for data collection. The data analysis technique used is validity test, reliability test, classical assumption test and multiple linear regression using e-views10 software. The results showed that the financial knowledge of MSME in DKI Jakarta had a partial influence on financial management behavior as well as personality variables showing an effect on financial management behavior. The results that are different from this study are on the financial attitude which shows no effect on financial management behavior. However, simultaneously or together the results of the research show that the variables of financial knowledge, financial attitudes and personality influence financial management behavior.

The purpose of this research was to testing the effect sustainable leadership, corporate governance and human capital on the measurement of company performance using the Balanced Scorecard of the banking industry. A sample of banking company employees with a questionnaire was taken and the data was collected using SEM to test the effect of each variable. Sustainable leadership, corporate governance and  the impact of human capital on performance measurement is considerable using a balanced scorecard but regarding the effect of test moderation, human capital has no moderating effect on sustainable leadership and corporate governance on performance measurement. The use of samples is still limited from several banking companies. Companies must pay attention to the development of sustainable human resources to increase the value of the company. Also use sustainable leadership components and synergies components in measuring the balance scorecard.