The study looked at factors influencing companies' decisions to use debt capital in the textile and garment industry in Indonesia. They analyzed growth, asset tangibility, cost of debt, profitability, and business risk. The findings revealed that profitability is the main factor influencing the use of debt capital, while the other factors did not have a significant impact. This suggests that companies in this industry can use their profits to reduce the need for debt, which can help lower business risk.