The purpose of this study is to analyze the effect of financial knowledge, self-efficacy and personality on financial performance with governance as an intervening variable in MSME actors. The results of this study are expected to provide contributions and benefits for business actors, especially MSMEs so that they can manage their finances well and can develop their business performance. The type of research used is quantitative. The object of this study is MSME actors in Malang City. in this study used primary data obtained through the distribution of questionnaires to respondents. the sampling method is non-probability sampling through purposive sampling techniques. This study involved 89 respondents. using an analytical tool approach with the PLS method using SmartPLS 4 software. The results of this study indicate that financial knowledge has a positive and significant effect on governance, self-efficacy has a positive and significant effect on governance, personality has a positive and significant effect on governance and governance has a positive and significant effect on financial performance in MSME actors.
