<![CDATA[Objectives. This study aims to: 1) analyze the direct and indirect influence of financial literacy on the financial performance and economic welfare of the people of Samarinda through the financial performance of MSMEs; 2) analyze the direct and indirect influence of financial inclusion on the financial performance of the people of Samarinda through the economic welfare of the people of Samarinda; 3) analyze digitalization that has a direct and indirect effect on the financial performance and welfare of the people of Samarinda through the financial performance of MSMEs. Methods. This study uses a quantitative approach with the Warp PLS-SEM model. Results. This study found that all exogenous variables have a direct and indirect positive and significant influence on their endogenous variables. The number of respondents collected and analyzed in the study was 745, using the proportional sampling data collection technique. Conclusion. Based on the results obtained, the results of this study can be concluded that all variables in the study have a positive and significant influence on all endogenous variables.]]>
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