Abstract

This study aims to analyze the effect of financial literacy, access to financial services, and individual self-control (locus of control) on the business performance of SMEs in cattle farmers. A quantitative approach was used, with data collected through questionnaires distributed to 104 cattle farmers in Selong District, East Lombok Regency, using a purposive sampling technique. The analysis techniques employed include validity and reliability tests, classical assumption tests, multiple linear regression, and hypothesis testing (T-test, F-test, and coefficient of determination). The findings revealed that financial literacy and locus of control had a significant positive effect on business performance, while financial inclusion had an effect that was not significant. Together, the three variables had a significant impact on business performance.

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