THE EFFECT OF FINANCIAL LITERACY AND DIGITAL FINANCIAL INNOVATION ON THE PERFORMANCE OF MSME BUSINESS IN BALI WITH ACCESS TO FINANCING AS A MODERATING VARIABLE
Micro, Small, and Medium Enterprises (MSMEs) are the backbone of the Indonesian economy, yet many, particularly those in the culture-based creative sector, struggle to translate financial knowledge and digital tools into sustainable business performance. This study analyzes the influence of financial literacy and digit...