<![CDATA[Introduction: Aceh Province has implemented a fully sharia-based financial system since the enactment of Aceh Qanun Number 11 of 2018, making sharia financing access and sharia financial literacy critical factors for the performance of micro, small, and medium enterprises (MSMEs). This study aims to examine the effect of Sharia financing access and Sharia financial literacy on MSME performance, both directly and through the mediation of Sharia financial inclusion. Methods: The study employed a quantitative confirmatory approach with a cross-sectional survey of 378 MSME actors in Aceh Province, analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM) via SmartPLS 4. Results: Bootstrapping results (5,000 resamples) show that Sharia Financing Access and Sharia Financial Literacy have a positive and significant effect on both Sharia Financial Inclusion and MSME Performance, and that Sharia Financial Inclusion also has a positive and significant effect on MSME Performance while partially mediating the effect of both exogenous predictors. All model quality criteria (reliability, discriminant validity, and model fit) were well satisfied. Conclusion and suggestion: These findings confirm the central role of sharia financial inclusion as a strategic bridge toward improved MSME performance, while offering practical implications for sharia financial institutions and Aceh's local government in designing policies to strengthen sharia financial access, literacy, and inclusion among MSME actors. Future research is recommended to extend the model with additional variables and adopt a longitudinal design to strengthen the generalizability of these findings.]]>
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