The Effect of Financial Literacy and Financial Access to the Performance of SMEs (Small and Medium Enterprises) in the Trade Sector of Padang City

This study aims to empirically examine the effect of financial literacy on the performance of SMEs by using financial access as a mediating variable.The object of this study was sample in this study amounted to 120 respondents selected based on purposive sampling method.Hypothesis testing was done usi Structural Equation Modeling (SEM) analysis with Literacy has a significant effect on the performance of SMEs and Financial Access has a significant effect and mediates parti relationship between Financial Literacy on SMEs Performance.