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All Journal International Journal of Economics and Management Sciences International Journal of Economics and Management Research
Dini Iskandar
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Factors Predicting Financial Distress Retail Industry in Indonesia Dini Iskandar; Herlina Herlina; Ida Ida; Sophia Isabella Wattimena; Benny Budiawan Tjandrasa
International Journal of Economics and Management Sciences Vol. 2 No. 3 (2025): Agustus : International Journal of Economics and Management Sciences
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/ijems.v2i3.867

Abstract

The Indonesian retail industry has experienced significant changes during the 2020-2023 period, starting with the Covid-19 pandemic in early 2020. Although it is gradually showing signs of recovery, the companies have felt a huge impact, such as many stores closing, increasing operational costs, and decreasing consumer spending, which are challenges for retail business actors to maintain their business continuity. This study aims to determine the factors that can be predictors of the financial distress of retail industry companies in Indonesia. The sample in this study was retail industry companies listed on the Indonesia Stock Exchange for the 2019-2023 period and had complete financial reports, resulting in 10 companies. Data analysis uses the logistic regression method. The results of the study show that the debt-to-equity ratio (DER) and return on asset (ROA) have a significant effect, while the current ratio (CR), total asset turnover (TATO), and operational cash flow margin (OCF margin) do not have a significant effect on financial distress. Thus, retail industry companies can utilize debt as a financing strategy to accelerate growth and need to focus on efficient asset utilization so that they can increase revenue and profit margins in order to achieve better financial performance and reduce the risk of financial distress.
The Effect of Financial Literacy on Financial Well-Being of Lecturers Mediated by The Financial Behavior Dini Iskandar; Maya Malinda; Bram Hadianto
International Journal of Economics and Management Research Vol. 5 No. 1 (2026): April: International Journal of Economics and Management Research
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v5i1.631

Abstract

Financial wellness is an essential indicator of an individual’s standard of living, including that of lecturers. In Indonesia, lecturer welfare often receives limited attention, despite its direct impact on education quality and student learning outcomes. Lecturer welfare is influenced not only by income level but also by the ability to manage that income effectively. As educators, lecturers are expected to strengthen their understanding of financial management. A solid grasp of financial concepts supported by sound economic behavior is anticipated to enhance lecturers’ awareness and understanding of financial management, ultimately improving their financial well-being. However, despite their high educational background, many lecturers still face challenges in managing their finances. Insufficient financial knowledge often leads to poor financial decisions, which negatively affect their overall financial health. This study aims to analyze the effect of financial literacy (FL) on the financial well-being (FWB) of lecturers at Maranatha Christian University, with financial behavior (FB) functioning as a mediating variable. The research employs a quantitative method using an explanatory approach. Data were collected through a Google Form questionnaire and analyzed using structural equation modeling (SEM) with AMOS software. The sample consisted of lecturers from various study programs selected through stratified random sampling. The findings indicate that FL does not directly influence FWB; instead, FL positively affects FB. The results further show that FB has a positive impact on FWB, confirming FB as a mediator linking FL and FWB. Thus, financial literacy must be translated into proper financial behavior to achieve financial well-being.
Co-Authors Benny Budiawan Tjandrasa Bram Hadianto Herlina Herlina Ida Ida Maya Malinda Sophia Isabella Wattimena