Abstract
This research was conducted on SMEs in Indonesia, by prioritizing the local wisdom of the Indonesian nation as a tropical, agrarian country, with SMEs owners who process fruits and vegetables into snacks as respondents. The study involved 243 respondents, to determine the partial and simultaneous influence of human resource competences and supply chain management on financial performance. The reason for doing this research is because some of the research that has been done by previous researchers still discusses this on corporate and not on SMEs. However, market conditions have changed. SMEs need to be managed professionally, by minimizing expenses to maximize revenue, taking into account risk, resource capabilities, in flexible ways as well as low-cost. The results showed that there was a significant influence on the financial performance of SMEs with the presence of human resource competences and supply chain management either partially or simultaneously.
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