<![CDATA[This quantitative associative study with hypothesis testing involves MSME actors in East Finansial (Malang, Gresik, Pasuruhan, Sidoarjo, and Surabaya) as the population. The sample comprises 225 MSME actors selected through purposive sampling based on the criteria: actively operating until December 2022, owners also serving as business operators, and having at least three years of business experience. This study aims to examine the effects of finansial literacy and finansial inclusion on finansial technology and finansial performance. Finansial literacy encompasses knowledge, skills, confidence, attitudes, and behaviors in finansial management. Data were collected via questionnaires and analyzed using WarpPLS 6.0. Results indicate that finansial literacy and finansial inclusion significantly affect finansial technology, and finansial literacy, finansial inclusion, and finansial technology significantly impact MSME finansial performance.]]>
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