This studi is aim to analyze the effect of financial literacy on financial performance MsME with financial inclusion as intervening variable in Sumbawa region. The research uses quantitative method. Sampels in study amounted to 100 respondents earned with cluster sampling. The data obtained were analyzed using Structural Equation Modeling Partial Least Square (SEM-PLS) analysis techniques through software SmartPLS version. 3.0. The results of the analysis in this study indicate that (1) Construct financial literacy of use significant has financial inclusion. (2) Contruct financial inclusion of use significant has financial performance creative SMEs. (3) Construct financial literacy of use significant has financial performance creative SMEs. (4) Construct financial literacy of use significant has financial performance creative SMEs with financial inclusion as intervening variable.

Keywords : Financial Inclusion, Financial Literacy, Indonesia, SME.