<![CDATA[Micro, Small, and Medium Enterprises (MSMEs) play an important role in economic growth and employment generation; however, limited access to finance and market competitiveness remain major challenges affecting business performance. This study analyzes the effects of entrepreneurial orientation and market orientation on MSMEs’ financial and non-financial performance, as well as the moderating role of access to finance. This research employed a quantitative approach using survey data collected from 400 MSME owners and managers in Malang City, Indonesia. We analyzed the data using Covariance-Based Structural Equation Modeling (CB-SEM) in AMOS 21. The findings reveal that entrepreneurial orientation and market orientation positively and significantly influence both financial and non-financial performance. Access to finance significantly affects financial performance but not non-financial performance. Furthermore, access to finance strengthens the effect of market orientation on performance, while weakening the relationship between entrepreneurial orientation and financial performance. These findings highlight the importance of integrating strategic orientation and financial accessibility to enhance sustainable MSME performance. JEL: G21, L25, M13.]]>
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