Purpose — This research aims to analyze the factors influencing financial management behavior in employees of Islamic University "45" Bekasi because financial behavior is a very important issue at this time.Design/methodology/approach — The sampling technique used for this research is purposive sampling with the total population is 305 employees and samples taken were 81 employees. The data used primary data and analyzed data using smart PLS.Findings — The results of the research state that financial knowledge has a significant effect on financial management behavior, the financial attitude has a significant effect on financial management behavior, self-control has a significant effect on financial management behavior, financial knowledge has a significant effect on self-control, the financial attitude has a significant effect on self-control, self-control mediated the partial effect of financial knowledge on financial management behavior, and self-control mediated the partial effect of financial attitudes on financial management behavior.Practical Implications — Financial knowledge does affect Indonesian people on how they manage their financial behavior and attitude.Originality/value — This research is related to the behavior of Indonesian people who tend to think short-term and tend to have a consumptive life pattern so that it often happens where someone with enough income but still has financial problems.Keywords Financial knowledge, financial attitude, self-control, financial management behaviorPaper Type research paper (case study)

The purpose of this research is to empirically test and analyze the impact of green banking, digital transformation, and asset quality on the financial performance of commercial banks with foreign ownership as a moderator. Additionally, it aims to test and analyze the financial performance of sustainable business practices for commercial banks. This study was conducted on commercial banks, specifically focusing on bank groups categorized by core capital levels 3 and 4, listed on the Indonesia Stock Exchange, covering the period from 2017 to 2022. This research employed a judgment sampling technique, encompassing a total of 47 conventional commercial banks. Panel data regression analysis, a data analysis technique, used three variables: the dependent variable, the independent variable, and the moderation variable. The research unveiled that green banking does not appear to have a significant positive impact on financial performance, whereas digital transformation shows a clear positive effect. Non-performing loans, a measure of asset quality, also affect financial performance. Additionally, foreign ownership strengthens the impact of green banking on the financial performance of commercial banks in Indonesia. However, foreign ownership does not enhance the effect of digital transformation. Finally, foreign ownership plays a moderating role in the relationship between asset quality and financial performance in these banks. Ultimately, financial performance has a significant positive influence on sustainable business, suggesting that stronger financial performance contributes to the long-term sustainability of a bank’s operations. The implications of these findings are, first and foremost, that financial institutions should prioritize incorporating sustainable and environmentally friendly practices into their operations to improve their overall financial performance and emphasize the critical role of digital transformation in enhancing financial performance. Consequently, financial institutions are required to allocate resources towards information technology infrastructure and cultivate digital capabilities to adapt to evolving customer demands, such as offering 24/7 banking services from any location. Secondly, financial institutions should not stay far away from digital disruption, but rather embrace it and adapt their strategies accordingly, which includes allocating an adequate budget for IT infrastructure investment and accessing digital services that meet the banking industry’s demands, resulting in effective communication of sustainable practices.

Objective - The objective of the study is to analyze the application of Islamic Corporate Governance (ICG) on Sustainable Business, focusing on Islamic Financial Performance as a mediating variable in Islamic Banks in Indonesia. Methodology/Technique - The population and sample in the study consists of 9 Islamic Banks. The study uses partial least square (PLS), and the data is collected from public reports for the period between 2010 and 2015. The variables of the study are: Islamic Corporate Governance as an independent variable, Sustainable Business as the dependent variable and Financial Performance as a mediating variable. Findings - The study shows that Islamic Corporate Governance (ICG) has a positive significant effect on Islamic Financial Performance, Islamic Corporate Governance (ICG) has no effect on Sustainable Business, and Islamic Financial Performance has a positive effect on Sustainable Business. The findings also show that Islamic Financial Performance can have an indirect impact to mediating the effect of Islamic Corporate Governance on Sustainable Business Islamic Bank. Novelty - Using Murabahah ratio to measure Islamic Financial Performance. Type of Paper: Empirical Keywords: Islamic Corporate Governance; Islamic Financial Performance; Sustainable Business. JEL Classification: G21, L22, M41.

This study investigates the implementation of Green Human Resource Management (GHRM) in the manufacturing industry in Indonesia, with a focus on achieving sustainable organizational performance. It addresses a research gap and develops conceptual models to advance sustainable development goals (SDGs), particularly in Indonesia, encompassing social, economic, educational, health, and environmental aspects. A survey method was employed, utilizing an associative quantitative approach with multivariate statistical techniques, specifically structural equation modeling partial least squares (SEM-PLS). The study involved 75 manufacturing enterprises in Indonesia's Karawang industrial district, with Managers or Supervisors serving as respondents. Data was collected using a questionnaire as the primary measurement instrument. The research falls under TKT 2 in terms of technology readiness, involving the formulation of a research model concept. Key findings suggest that the implementation of GHRM practices in the manufacturing industry positively impacts Green Intellectual Capital and contributes to sustainable organizational performance. Furthermore, the study underscores the importance of GHRM in enhancing environmental sustainability and organizational competitiveness within the Indonesian manufacturing sector.