PENGARUH LITERASI KEUANGAN TERHADAP KINERJA USAHA KECIL DENGAN PRAKTEK MANAJEMEN KEUANGAN SEBAGAI VARIABEL INTERVENING ( Studi Pada Sektor Perdagangan Dan Jasa Di Wilayah Kota Probolinggo )

The purpose of this study is to describe financial literacy, financial management practices and small business performance in Probolinggo City. Examine the direct and indirect effects of financial literacy and financial management practices on small business performance. The data analysis technique used scale range analysis and mediation regression analysis. The results of the analysis show that the perception of financial literacy of MSME actors in the trade sector in the Probolinggo City area is in the sufficince literate category, financial management practices are in the good category, and the performance of small businesses is in the high category. Financial literacy has a positive and significant effect on financial management practices. The practice of financial management has a positive and significant effect on the performance of small businesses. Financial management practices are able to mediate the effect of financial literacy on small business performance. A sample of 60 small entrepreneurs was taken using a purposive technique from the population of small businesses in Probolinggo City