Purpose

This study aims to determine the contribution of financial skills to entrepreneurial intentions among women involved in university education.

Design/methodology/approach

Clustering and logistic regression analyses were used to infer the determinants and motivators of entrepreneurial intention in a sample of women students at a Spanish online university.

Findings

Financial and numerical skills could play a significant role in boosting entrepreneurial culture, overcoming reticence and increasing awareness of business opportunities, particularly when women are motivated to increase their autonomy and income. The study offers meaningful implications for policymakers.

Research limitations/implications

Further research will be needed before these conclusions may be inferred to other settings and circumstances. Comparison with a similar sample of potential male entrepreneurs may also be necessary to deduce the influence of gender.

Practical implications

The introduction of certain financial content into the education system by governments and policymakers would produce remarkable results on entrepreneurship intention among women.

Social implications

Relational capital and positive social influences also contribute to mitigating the effects of risk aversion, one of the main barriers for potential female entrepreneurs.

Originality/value

The role of financial literacy in entrepreneurial intention among women has scarcely been addressed in academic research. The literature also has paid little attention to the analysis of what motivates women into entrepreneurship, and whether women who decide to embark on a business venture show different profiles. The aim of this study is to contribute to closing these gaps, exploring the effect of cognitive skills, personality traits, contextual factors and motivations.

中文翻译：

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女性的创业意图和动机是否受到金融技能的影响？

目的

本研究旨在确定金融技能对参与大学教育的女性的创业意愿的贡献。

设计/方法/方法

聚类和逻辑回归分析用于推断西班牙在线大学女学生样本中创业意愿的决定因素和动机。

发现

财务和数字技能可以在促进创业文化、克服沉默和提高对商业机会的认识方面发挥重要作用，特别是当女性被激励增加自主权和收入时。该研究为政策制定者提供了有意义的启示。

研究限制/影响

在将这些结论推断到其他环境和情况之前，还需要进一步的研究。为了推断性别的影响，可能还需要与类似的潜在男性企业家样本进行比较。

实际影响

政府和政策制定者将某些金融内容引入教育系统，将对女性创业意愿产生显着影响。

社会影响

关系资本和积极的社会影响也有助于减轻风险厌恶的影响，这是潜在女性企业家的主要障碍之一。

原创性/价值

学术研究中很少涉及金融知识在女性创业意愿中的作用。文献也很少关注分析是什么促使女性创业，以及决定开始创业的女性是否表现出不同的形象。本研究的目的是帮助缩小这些差距，探索认知技能、人格特征、背景因素和动机的影响。