<![CDATA[This study examines the influence of financial literacy and financial inclusion on financial management among micro, small, and medium enterprises (MSMEs) in South Tondano District, Minahasa Regency, Indonesia. A quantitative causal-associative design was employed. The population comprised 2,216 culinary MSMEs, and 100 respondents were selected through purposive sampling based on the Cochran sample-size calculation. Primary data were collected using questionnaires and analyzed through multiple linear regression with IBM SPSS Statistics 25. The results show that financial literacy has a positive and statistically significant effect on MSME financial management (B = 0.588; β = 0.565; t = 9.035; p < 0.001). Financial inclusion also has a positive and significant effect (B = 0.442; β = 0.423; t = 6.769; p < 0.001). The adjusted coefficient of determination is 0.927, indicating that the two predictors jointly explain 92.7% of the variation in financial management in the estimated model. Financial literacy demonstrates the larger standardized coefficient and t-statistic, suggesting a stronger relative association in this sample. The findings underline the importance of strengthening business owners’ financial knowledge and their effective access to and use of formal financial services.]]>
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