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    financial literacy, UMKM, gender, age, lengthy of business, the level of education, income (1)
    FINANCIAL PERFORMANCE (5)
    Financial Performance, Capital Employee Efficiency (CEE), Human Capital Efficiency (HCE), Structural Capital Efficiency (SCE), Intellectual Capital (IC), Capital Adequacy Ratio (CAR), Operating Expanses compared to Operating Revenue, Net Interest Margin (NIM), Non Performing Loan (NPL), Loan Deposit Ratio (LDR). Kinerja Keuangan, Audit Internal, Capital Employee Efficiency (CEE), Human Capital Efficiency (HCE), Structural Capital Efficiency (SCE), Intellectual Capital (IC), Capital Adequacy Ratio (CAR), Beban Operasional dibandingkan dengan Pendapatan Operasinal (BOPO), Net Interest Margin (NIM), Non Performing Loan (NPL), Loan Deposit Ratio (LDR). (1)
    Financial Performance, Company Size. Environmental Performance, CSR Disclosure. Kinerja Keuangan, Ukuran Perusahaan, CSR Disclosure, Kinerja Lingkungan (1)
    Financial Performance, Financial Ratios, Merger and Acquasition. Kinerja keuangan, Rasio keuangan, Merger dan Akuisisi (1)
    financial performance, Good Corporate Governance, independent commissioners, institutional ownership, board of directors and company size (1)
    Financial performance, intellectual capital, competitive advantage. kinerja keuangan, intellectual capital, keunggulan kompetitif. (1)
    Financial Performance, Liquidity, Leverage, Profitability, and Dividend Policy. (1)
    financial performance, local independence, financial dependence, effectiveness of local revenue (PAD), capital expenditure, and economic growth. kinerja keuangan, kemandirian daerah, ketergantungan keuangan, efektivitas PAD, alokasi belanja modal, dan pertumbuhan ekonomi. (1)
    financial performance, managerial ownership, corporate social responsibility, the value of the company. kinerja keuangan, kepemilikan manajerial, corporate social responsibility, nilai perusahaan (1)