The purpose of this study is to provide new practical and theoretical insights on how SMEs adjust and further develop business competencies, innovations and performance by utilizing market orientation, learning orientation behaviors, and financial literacy. The data was collected from manufacturing small and medium enterprises (SMEs) of textile products that had several employees between 5 and 99 people in the province of Bali and Jawa, Indonesia, in 2016. Central Java as one of the provinces that has various types of creative centers has a role big as a reference model for other provinces in the development of MSMEs. The results of the study confirm the influence of financial literacy on the performance and innovation of creative MSMEs in Central Java. This has implications that with good financial literacy, it is expected that MSMEs will be able to make the right management and financial decisions to improve performance and innovation. With this finding, it is expected that significant support will emerge from the government as a regulator, academics as educators, the private sector as a catalyst, and the community as a driver for the development of financial literacy at MSMEs in Central Java. The lack of studies in the existing literature underscores the potential contribution of this subsequent study.

这项研究的目的是通过利用市场导向，学习导向行为和金融知识，为中小型企业如何调整和进一步发展业务能力，创新和绩效提供新的实践和理论见解。该数据是从纺织产品制造中小型企业（SME）收集的，该企业在2016年在巴厘岛和印度尼西亚的贾瓦省拥有多名雇员，人数在5至99之间。中爪哇省是拥有多种类型的纺织品的省份之一创意中心在小微企业发展中可以作为其他省份的参考模型。研究结果证实了金融知识对中爪哇创意MSME的绩效和创新的影响。这意味着具有良好的金融知识，预计MSME将能够做出正确的管理和财务决策，以提高绩效和创新能力。有了这一发现，预计将在政府作为监管者，学者作为教育者，私营部门作为催化剂，以及社区作为中爪哇MSME的金融知识发展驱动力方面获得大量支持。现有文献中缺乏研究强调了此后续研究的潜在贡献。