authors
Ahmad Nur Budi Utama, Firmansyah, Rista Ardilla Syafri and Ade Irma Suryani

abstract
The potential of micro and small enterprises (MSEs) in Indonesia is very large and has many challenges faced by micro and small business actors. Every micro and small business (MSE) activity cannot be separated from the planning side. Financial planning activities are activities that are carried out routinely even in traditional ways. Business capital is one of the most important things in running micro and small businesses in Indonesia. Micro and small businesses have a very vital role in the Indonesian economy. Micro and small businesses (MSEs) are currently experiencing very fierce competition, where every business will try to maximize performance in order to generate profits. This study used 52 respondents from MSEs at the Gentala Arasy Bridge, Jambi City. The results of the study show that financial planning and business capital variables affect business performance variables both partially and simultaneously.