The research objective was to analyze financial literacy, financial attitudes, and financial behavior on investment decisions and MSME bankruptcy. The partial influence of financial literacy, financial attitudes, and financial behavior on MSMEs' bankruptcy through investment decisions. The sampling method used was purposive sampling. The population was 149 MSMEs and a sample of 108 MSMEs. The analysis method used SEM-PLS. The results prove that financial literacy, financial attitudes, and financial behavior partially positively and significantly affect investment decisions and MSME bankruptcy in Makassar City. Financial decisions cannot partially intervene in the influence of financial literacy, financial attitudes, and financial behavior on the potential for bankruptcy of MSMEs in Makassar City.

The research objective was to analyze financial literacy, financial attitudes, and financial behavior on investment decisions and MSME bankruptcy. The partial influence of financial literacy, financial attitudes, and financial behavior on MSMEs' bankruptcy through investment decisions. The sampling method used was purposive sampling. The population was 149 MSMEs and a sample of 108 MSMEs. The analysis method used SEM-PLS. The results prove that financial literacy, financial attitudes, and financial behavior partially positively and significantly affect investment decisions and MSME bankruptcy in Makassar City. Financial decisions cannot partially intervene in the influence of financial literacy, financial attitudes, and financial behavior on the potential for bankruptcy of MSMEs in Makassar City.

Penelitian ini bertujuan untuk mengetahui dan menganalisis: pengaruh harga (price), promosi (promotion) dan orang (people) terhadap kinerja pemasaran kredit konsumtif PT BPR Hasa Mitra Makassar berdasarkan pendekatan kuantitatif dengan metode deskriptif asosiatif. Penelitian ini dilakukan pada PT BPR Hasa Mitra Kantor Cabang Utama Makassar dengan alokasi waktu salama dua bulan dari bulan Maret sampai dengan April 2022. Populasi dari penelitian ini adalah semua pegawai PT BPR Hasa Mitra Kantor Cabang Utama sebanyak 51 (lima puluh satu) orang dan seluruh populasi digunakan sebagai obyek penelitian. Hasil penelitian menunjukkan bahwa: 1) Terdapat pengaruh positif dan signifikan secara langsung antara price terhadap  kinerja pemasaran kredit konsumtif pada PT BPR Hasa Mitra Makassar. 2) Tidak terdapat pengaruh positif dan signifikan secara langsung antara promotion terhadap kinerja pemasaran kredit  konsumtif pada PT BPR Hasa Mitra Makassar. 3) Terdapat pengaruh positif dan signifikan secara langsung antara people terhadap kinerja pemasaran kredit konsumtif pada PT BPR Hasa Mitra Makassar. 4) Terdapat pengaruh positif dan signifikan secara langsung antara price, promotion dan people terhadap kinerja pemasaran kredit konsumtif pada PT BPR Hasa Mitra Makassar.

This study aims to determine the effect of ALMA on financial performance with Entity Value as an intervening variable. This type of research used a descriptive approach and explanatory approach, with exogenous variables namely ALMA and endogenous variables are financial performance and firm value. This study takes the population of all publicly listed banks listed on the IDX, as many as 37 (thirty seven) banks. In determining the sample, a purposive sampling technique was used. This study found that ALMA had a negative effect on company performance. ALMA has an indirect effect on firm value, company performance has an indirect effect on company value, ALMA through Company Performance has an indirect and significant effect on company value on several banks listed on the Indonesia Stock Exchange. The optimal application of ALMA enables all series of banking activities to be effective, efficient and effective.