<![CDATA[Improving financial governance is now a primary priority for the MSME sector, particularly in the city of Palembang. This study investigates the impact of financial literacy, financial technology, and self-control on the financial management of micro, small, and medium enterprises. Utilizing a quantitative approach, the research involved 100 business actor respondents selected through random sampling. Questionnaires were employed as the data collection instrument, and the data was subsequently analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) technique via SmartPLS 4.1.1.6. The empirical findings confirm that all independent variables exert a positive and significant influence on financial management. The coefficient of determination (R-Square) value of 0.770 indicates that the model is capable of explaining 77.0% of the variance in financial management, while the remaining 23.0% is determined by other factors outside the research model. Cumulatively, enhancing literacy, maximizing technology utilization, and strengthening self-discipline prove essential in boosting the financial quality of MSMEs.]]>
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