Financial Distress is indicated as company’s financial decrease which can be caused by various circumstances. Identifying financial distress is important to do since financial distress that occurs continuously will lead to company failure. This research is useful to see the impact of Ownership Structure, Liquidity, Leverage, and Activity in predicting Financial Distress to the sector consumer goods companies listed in Indonesia Stock Exchange. The independent variable used is Ownership Structure, Current ratio, Debt ratio, and Activity (TATO). While the dependent variable used is Financial Distress. The sample in this research involve 27 companies was taken by Purposive Sampling technique by determining 3 criterias within a span of 5 years, so the amount of research data was obtained as many as 135. This study use quantitative research. The results of this research using multiple linear regression analysis concluded Ownership Structure, Liquidity, and Activity have positive impact on Financial Distress. While Leverage is the only variable whichhas no significant influence on Financial Distress. Keywords : Ownership Structure, Liquidity, Leverage, Activity, Financial Distress.

The banking sector is a state financial institution that has an important role in collecting and distributing funds to the public, with the aim of meeting capital and investment needs for fund owners. So this study was conducted for the purpose of knowing the extent of the influence of certain financial ratios such as Non Performing Loan, Loan to Deposit Ratio, operating expenses operating income to Return on assets with Net Interset Margin as an Intervening variable in banking companies listed on the Indonesia Stock Exchange for the period 2019-2021. This research method uses secondary data. The results of this study indicate that to Non-Performing Loan ,Loan Deposit Ratio has no significant effect on Net Interest Margin. Operating expenses operating income has a significant effect on Net Interest Margin . Net interest Margin has an effect on Return on assets, while Non Performing Loan ,Loan to Deposit Ratio, operating expenses operating income, has an effect and significant on Return on assets while Non Performing Loan ,Loan to Deposit Ratio, operating expenses operating income, is able to mediate Return on assets through Net Interest Margin as an Intervening variable listed on the IDX for the period 2019-2021.