The higher educational institutions' students are familiar with technological advancement. As a terrible consequence, they will be trapped in incontrollable consumption by purchasing something they do not need. This circumstance cannot be separated from their classmate's trendy lifestyle and lures. This situation leads to poor organizing money. Besides, according to previous studies, this poor money management is usually affected by low financial literacy. Therefore, this investigation examines the influence of self-control and financial literacy on money management behavior. The population in this research consists of 1,226 active undergraduate students in the accounting and management departments from batches 2016 to 2021 in the business faculty at Maranatha Christian University. Based on the Slovin formula with a 5% fault boundary, the sample size is 302. Considering this situation, we use a stratified random sampling technique by treating the batches as strata. Then, we distribute the questionnaire to them. Unfortunately, only 94 students respond; the response rate is 31.17%. After analyzing their response by a structural equation model based on partial least squares, we conclude that self-control positively affects students' behavior in organizing their money. Unfortunately, financial literacy does not.

The distribution of funds becomes the identity and function of banks. By performing this function well, the banks can get profit to survive. One of the considered factors affecting this channeling function is the issuance of government bonds to finance the state budget, which may be harmful to this bank channeling function. Therefore, to prove this situation, it is necessary to check a causal relationship between the government bond value and the bank intermediary function through this study, adding bank size and loans as a control variable. This study utilizes the banks listed on the capital market of Indonesia as the population. Furthermore, the Slovin formula and a simple random sampling method are employed to determine the number of banks to be the samples and take them. Also, the regression model with pooled data and the t-statistic test are used to estimate its coefficients and examine the proposed hypotheses, respectively. Overall, this study demonstrates that the government bond value positively affects the bank intermediary function. This indicates that the crowding-out does not exist. By this evidence, the government does not need to worry because this debt does not disturb the bank function to deliver the credit to society. Likewise, bank size and bad loans have a positive impact on this function. Thus, banks must be able to diversify risks among their assets and restructure bad loans when performing this function.

Financial distress is a kind of condition where a company has experiencing difficulties in financial in fulfilling its various obligations (insolvency). Several food & beverage sub sector companies have shown a significant decline in profits in their first quarter performance in 2019. This shows there is a threat of financial distress. This study tries to determine/examine the effect of financial ratios on financial distress in manufacturing companies engaged in the food and beverage in Indonesia Stock Exchange (IDX) for 2015 to 2019. 18 (eighteen) companies are examined. The statistical method used in this study is regression logistics. It can be concluded that the ratio of profitability, liquidity ratio, and ratios activity have no effect on financial distress. While, the market ratio, solvency ratio has an effect on financial distress.

In order to generate company’s income, assets are needed either as input of production process or for other usage. One type of assets is intelectual capital. Many experts in business state the increasing importance of intelectual capital in nowadays business. This research tries to examine intelectual capital value using market capitalization method. This research also tries to examine the effect of intelectual capital to generate profit in a company. This research uses quantitative method by using simple linear regression method to test the effect of intelectual capital to profit. Intelectual capital value is calculated using market capitalization method or market value to book value (MVBV) while company’s profit is calculated by return on equity (ROE). The examined companies are from consumer goods companies listed in Indonesia Stock Exchange from 2014 to 2017 that have completed data and generated positive MVBV and ROE. The result shows that Intelectual capital has positive and signficant effect to ROE.

Lecturers are the individuals employed by the higher educational institutions to educate students based on their competency. The roles of lecturers are not limited to the education of students only but also required to do the activities related to the research and the service for the community. These three aspects are considered to be the measure of lecturers’ performance. Consequently, the institutions must focus on the factors behind the performance of their lecturers to increase performance. By denoting the evidence of the previous study, the three determinants of performance are identified, namely, motivation, emotional and spiritual intelligence. Therefore, this study attempts to examine and analyze these determinants by the private university lecturers becoming active members of the Indonesia Management Forum. To take the samples and collect the data, we utilize a simple random sampling and survey method. Also, we use a variance-based structural equation as the model to analyze the attained data. Overall, this study concludes that there is a positive effect of emotional intelligence on the performance of lecturers. On the other hand, the effect of motivation and spiritual intelligence is not confirmed.