The pandemic condition makes most housewives complain because of financial management problems. Financial literacy can help a person in managing household finances in times of crisis. This study aims to determine the influence of financial knowledge, financial behavior, and financial attitudes on the personal financial management of housewives in the city of Makassar. This research is quantitative research using descriptive analysis. The data used are primary data. The number of samples was 100 people with a purposive sampling approach. The results showed that financial knowledge partially had a negative and significant effect on personal financial management with a calculated t value of -2.298 < t table 1.984 and a significant value of 0.024 < 0.05. Financial behavior partially had a positive and significant effect on personal financial management with a calculated t value of 5.133 > t table 1.984 and a significant value of 0.000< 0.05. Financial attitudes partially have a positive and significant effect on personal financial management with a calculated t value of 2.951 > t table 1.984 and a significant value of 0.004 < 0.05. Financial knowledge, financial behavior, and financial attitudes simultaneously had a positive and significant effect on personal financial management with a calculated F value of 25,849 > F table 3.09 and a significant value of 0.000 < 0.05.

Tourist characteristics are needed to determine the market share attraction. This study aims to determine the factors that significantly influence the development of marine tourism and tourist-based characteristics to formulate development strategies. The research method was a descriptive quantitative survey approach. The data were collected by interviews and questionnaires related to the informant as well as tourists and accessing data from relevant agencies. The data obtained will be processed and analyzed using Chi-Aquared analysis and SWOT analysis. The results showed that the revenues (0,638) and attractiveness (0,600) have a strong influence, while the duration of visits (0,500), place of origin (0,439), sex (0,417), visit motif (0,413) and tourists’ age (0,412) are influential medium, as well as transportation (0,223) and education (0,217) affect low. Formulation of marine tourism development strategy is the development of tourist accommodation with the middle-class segment of the tourist market, maintaining the cleanliness of the beach and the naturalness, expansion of business opportunities, increased partnerships with investors, in cooperation with travel agencies, dissemination of information and promotion of tourism, making customs as one tourist attraction, training professionals in the field of tourism and increased the role of local communities in maintaining security.

Income is the main goal in trading or transacting. Assigning income at other times in the production or service cycle may reflect a better recognition of activities in a period. While specifically the merchant's income is the income received on the number of goods sold multiplied by the price. This study aims to determine the income of accessories traders in Tana Toraja. The data used in this research is primary data using observation data collection techniques, interviews and documentation. The data analysis technique used is discourse analysis to obtain the income dimensions of accessory traders. The results of this study indicate that the income earned by accessories traders in Tana Toraja is based on the level of conditions that can change the people's standard of living. There are various responses and expectations expressed by accessories traders or the public who have different meanings so that conclusions are drawn using the Creswell setting, and the meaning process picks a premise that becomes a hypothesis and arrives at a conclusion. It was concluded that income is a source that is uncertain or not based on the level of conditions that can change the standard of living of the community. And income is an uncertain source and a definite source of consequence continuous activity.

Government accountability is manifested in the adjustment of the presentation of financial statements to government accounting standards as the basis for providing opinions on government financial statements. This study aims to analyze financial reports on accountability in government agencies in the Regional Finance and Assets Agency (BKAD) of the South Sulawesi Provincial Government. The data used in this study are primary data with qualitative research methods using interview guidelines. The results of this study indicate that there is an effect of financial reports on accountability in government agencies in the Regional Finance and Assets Agency (BKAD) of the South Sulawesi Provincial Government where financial reports are reported in full and in accordance with government accounting standards (SAP), on time and in accordance with regulations so that the Agency Regional Finance and Assets (BKAD) received a fair predicate without exception (WTP) in the SKPD for the 2021 fiscal year.

Usaha budidaya udang windu yang dilakukan masyarakat di Dusun Tempatue merupakan usaha turun temurun yang berlangsung sejak dulu dengan system tradisional. Udang windu merupakan salah satu komoditas unggulan sektor perikanan khususnya perikanan budidaya. Namun saat ini, usaha budidaya udang cukup lesuh dikarenakan berbagai hal termasuk munculnya berbagai penyakit udang seperti white spot. Untuk itu, untuk mengembalikan gairah dan semangat masyarakat untuk kembali membudidayakan udang windu, maka berbagai kajian perlu dilakukan termasuk analisis kelayakan usaha budiddaya udang windu dengan system tradisional. Tujuan penelitian ini adalah menganilisis tingkat kelayakan usaha budidaya udang windu. Penelitian dilakukan di Dusun Tempatue, Kecamatan Mare, Kabupaten Bone. Metode penelitian yang digunakan adalah penelitian kuantitatif dengan jenis penelitian survey. Teknik pengambilan data dilakukan secara purposive sebanyak 30 responden. Metode analisis data yang digunakan adalah analisis finansial, yakni NPV dan Net B/C. Hasil penelitian diperoleh kesimpulan; 1) Usaya budidaya udang windu (Penaeus monodon), sangat layak untuk usahakan, 2) Nilai NPV diperoleh 2,92 dimana nilai NPV tersebut lebih besar dari >0 atau dikategorikan sangat layak, 3) Nilai Net B/C diperoleh 14,89 yang berarti nilai tersebut lebih besar > 1,0 atau dikategorikan sangat layak.