Understanding and knowledge in managing finances (financial literacy) are needed by small entrepreneurs in Bajawa District. This study aims to analyze the influence of gender, income, investment, saving and borrowing, and insurance on financial literacy in small businesses in Bajawa District. The research method used is a survey method by obtaining data through questionnaires and interviews, with a total sample of 119 business actors. The data analysis technique used multiple linear regression analysis. The results showed that the level of financial literacy of Small Entrepreneurs in Bajawa District was in the Low category (56.50%). Variables gender, income, investment, saving and borrowing, insurance partially or simultaneously have an effect on the level of financial literacy of small entrepreneurs in Bajawa sub-district.

This study aims to identify: the behavior of small business actors in making financial decisions, especially decisions related to investment, saving and consumption; measuring the level of financial literacy of small business actors, and measuring the role of financial institutions and the Ngada Regency government in educating small business actors in managing their company finances. This research is a descriptive research with survey techniques. The population in this study were small business actors in Bajawa sub-district engaged in restaurant and trade businesses. The results showed that 70% of respondents used the income from their business profits for consumption activities, 20% for investment activities in the form of buying land, building houses, buying twowheeled or four-wheeled vehicles, and 10% for saving activities. The level of financial literacy of respondents is 50% classified as not literate, 33% classified as less literate, and 17% classified as sufficient literate. The role of financial institutions and the Ngada Regency government in educating business actors is still relatively low, namely 25%