<![CDATA[Abstract This study was conducted to find out how the influence of financial literacy, business capital and the application of e-commerce on the performance of UMKMs. This study uses a quantitative approach. The population of this research is UMKMs in Buleleng District, which amount to 6.020 UMKMs. Based on the slovinformula, the sample from this study was 90 UMKM business actors. The method of data collection in this study was through the distribution of questionnaires. Furthermore, the data was processed using a data quality test consisting of validity and reliability tests, descriptive statistical tests, classical assumption tests consisting of normality, multicollinearity, and heteroscedasticity tests, multiple linear regression tests which included the t-test and the coefficient of determination. In this study, the significance of the financial literacy variable was 0.014, the business capital variable was 0.032, and the e-commerce implementation variable was 0.020 (<0.05). It shows that the variables of financial literacy (X1), working capital (X2) and the application of e-commerce (X3) can each affect the performance of UMKMs.]]>
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