<![CDATA[This study aims to identify and analyze factors influencing MSME performance specifically financial literacy, human resource (HR) competence, and technology adoption and to address inconsistencies found in prior research. A qualitative approach was employed using the Systematic Literature Review (SLR) method based on the PRISMA framework. Literature was sourced via Google Scholar, focusing on SINTA-accredited journals published between 2020 and 2026. From an initial pool of approximately 133,000 articles, a screening process based on inclusion and exclusion criteria yielded 20 relevant articles for analysis. The synthesis results indicate that financial literacy, HR competence, and technology adoption contribute to enhancing MSME performance. This study contributes by integrating empirical evidence regarding these three factors and highlighting the importance of strengthening financial management, HR competence, and technology utilization in an integrated manner to sustainably improve MSME performance.]]>
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