The Effect of Financial Literacy on Entrepreneurship Orientation

Year 2025, Volume: 10 Issue: 27, 571 - 587, 29.06.2025

Tuğba Özyıldız

https://doi.org/10.25204/iktisad.1687101

Abstract

Today, factors such as economic uncertainty, shrinkage in employment opportunities and diversification of individual career expectations cause young individuals to be more willing to establish their own businesses instead of traditional business areas. In this context, financial literacy emerges out as an important competence in terms of making the right decisions in the entrepreneurial process, managing risks and using resources effectively. The financial literacy of an entrepreneur plays a crucial role in the relationship between borrower and lender. The aim of this study is to investigate the effect of financial literacy on entrepreneurial orientation, and the survey method was used as the research technique. In line with this main objective, field research was conducted on 347 students who continue their education at Gaziantep University Islahiye Faculty of Economics and Administrative Sciences. The data obtained were evaluated by applying exploratory and confirmatory factor analysis, descriptive statistics, correlation, and regression analyses. As a result of the analysis, it was concluded that the perception and interest dimensions of financial literacy have an effect on the risk-taking and innovation dimensions of entrepreneurial orientation; and the spending and interest dimensions of financial literacy have an effect on the proactiveness dimension of entrepreneurial orientation.

Keywords

Financial Literacy , Entrepreneur , Entrepreneurial Orientation , Financial İnformation

Finansal Okuryazarlığın Girişimcilik Yönelimine Etkisi

Abstract

Günümüzde ekonomik belirsizlikler, istihdam olanaklarındaki daralma ve bireysel kariyer beklentilerinin çeşitlenmesi gibi faktörler, genç bireylerin geleneksel iş alanları yerine kendi işlerini kurma yönünde daha istekli olmalarına neden olmaktadır. Bu bağlamda, girişimcilik sürecinde doğru kararlar alabilmek, riskleri yönetebilmek ve kaynakları etkin kullanabilmek açısından finansal okuryazarlık önemli bir yetkinlik olarak öne çıkmaktadır. Bu çalışmanın amacı finansal okuryazarlığın girişimcilik yönelimi üzerine etkisini araştırmak olup, araştırma tekniği olarak anket yöntemi kullanılmıştır. Bu temel amaç doğrultusunda, Gaziantep Üniversitesi İslahiye İktisadi ve İdari Bilimler Fakültesinde eğitimine devam eden 347 öğrenci üzerinde bir alan araştırması yapılmıştır. Bu öğrencilerden elde edilen veriler, açıklayıcı ve doğrulayıcı faktör analizi, tanımlayıcı istatistikler, korelasyon ve regresyon analizleri uygulanarak değerlendirilmiştir. Analizler sonucunda; finansal okuryazarlığın algı ve ilgi boyutlarının girişimcilik yöneliminin risk alma ve yenilikçilik boyutları üzerinde etkinin olduğunu; finansal okuryazarlığın harcama ve ilgi boyutunun girişimcilik yöneliminin proaktiflik boyutu üzerinde etkisinin olduğu sonucuna ulaşılmıştır.

Keywords

Finansal Okuryazarlık , Girişimci , Girişimcilik Yönelimi , Finansal Bilgi

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