<![CDATA[Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in the economy, but they still face low savings rates, which impact business sustainability. This study aims to analyze the influence of accounting knowledge, financial inclusion, and social environment on the savings behavior of MSME actors in Selong City. Data were collected through questionnaires from 100 MSME actors and analyzed using multiple linear regression with the help of SPSS. The results of the analysis show that accounting knowledge, financial inclusion, and social environment are not yet able to strongly explain variations in savings behavior. These findings indicate that knowledge, financial access, and social influence have not been fully internalized in MSME financial management practices. The study concludes that the formation of savings behavior requires the support of financial habits, the strengthening of accounting practices, and a social approach that is appropriate to the local context.]]>
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