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The importance of education, especially in increasing understanding of finance for the community, is very important to do. Knowledge of financial management is very important, especially in managing and also managing family finances, especially for people who live in Lembata Regency (Flores-NTT). The purpose of this study is to find out how financial literacy skills are for the people of Lembata Regency. In this study, researchers used a sample of people living in the Lembata Regency (Flores-NTT). The sampling technique used in this study was purposive sampling, then data collection was carried out online using Google Forms by adjusting to the research criteria so that researchers used 100 respondents, and used wrap PLS to test research instruments and analysis. The results of this study indicate that financial literacy has a significant positive effect on family financial management, income has a significant positive effect on family financial management and financial attitude has a significant positive effect on family financial management.

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The COVID-19 pandemic has changed all aspects of life- not only health problems but also a person's behavior patterns, especially in terms of family financial management. The importance of family financial management will be the basis for determining that a family will be able to achieve prosperity and happiness that has been coveted before. How do spiritual intelligence, or spiritual quotients, personality, and financial literacy affect family financial management? This study aims to determine the behavior of a person in managing his family finances. The data used is online respondent data from individuals who live in Indonesia through MSME Communities or other organizations. Data is analyzed using PLS-SEM (Partial Least Square-Structural Equation Modeling). The result obtained is expected to increase knowledge and understanding of family financial management so that they can achieve prosperity and happiness.

This study investigates the relationship between profitability and working capital efficiency, liquidity, and business size. The efficiency of working capital is assessed by the turnover of working capital. The current ratio is used to gauge liquidity. Total firm size is determined by the ln of total assets. This study employs a sample of sixty annual reports from twelve infrastructure-sector businesses listed on the Indonesia Stock Exchange from 2016 to 2020. Method of multiple linear regression utilized in an analytical procedure. The findings demonstrated that working capital efficiency, liquidity, and business size had a substantial and negative impact on profitability. The test findings revealed a correlation between working capital efficiency, liquidity, and business size and profitability. The magnitude of the effect was 16,9%, while the remaining 83,1% was influenced by other factors outside this research.