<p>This study aimed to determine the role of financial literacy moderation on the relationship between financial attitudes and financial self-efficacy on the intensity of decision making on MSME actors KUR BNI customers in Ende Regency amid the COVID-19 pandemic situation. This research was included in an associative causal study. The objects of this research were all owners of large and retail trade MSMEs, car and motorcycle repairs in Ende Regency as many as 58 MSMEs. Data collection techniques employed a questionnaire. Validity and reliability tests were conducted on respondents' answers, while the analysis prerequisite tests included linearity tests, multicollinearity tests, and heteroscedasticity tests. The data analysis techniques used linear regression with moderation (MRA). The results showed that (1) there was a positive influence of financial attitudes on the credit decision making intensity on SMEs. (2) There was a positive effect of financial self-efficacy on the credit decision making intensity on SMEs. (3) There was a moderation impact of financial literacy on the relationship between financial attitudes and credit decision making intensity for MSMEs. Besides, (4) financial literacy was not able to moderate the relationship between self-efficacy and credit decision making intensity for SMEs.</p>