The Effect of Financial Literacy, Financial Inclusion, and Locus of Control on the Business Performance of Cattle Farmers in Selong District, East Lombok Regency

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.