El efecto mediador de la capacidad de innovación en la relación entre los conocimientos financieros y la propensión a asumir riesgos: implicaciones para la disposición de los graduandos a emprender

DOI:  https://doi.org/10.12804/revistas.urosario.edu.co/empresa/a.14685

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Publicado: jun 20, 2025
Número: Vol. 27 Núm. 49 (2025)
Sección Artículo de investigación científica y tecnológica


Palabras clave: conocimientos financieros propensión al riesgo capacidad de innovación

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Autores/as

  Melvin Sarsale
Southern Leyte State University

Resumen

Objetivo: este artículo examina el papel mediador de la capacidad de innovación entre los conocimientos financieros y la tendencia a asumir riesgos y sus implicaciones para la preparación de graduandos para el autoempleo. Metodología: se empleó un diseño transversal con 157 estudiantes de una universidad estatal filipina. Resultados principales: los estudiantes filipinos encuestados tenían moderados conocimientos financieros y características empresariales. Los conocimientos financieros, la disposición a asumir riesgos y la capacidad de innovación también tienen una relación significativa. Además, la capacidad de innovación influye en los conocimientos financieros y la disposición a asumir riesgos. Conclusiones: los conocimientos financieros y la capacidad de innovación influyen en la disposición empresarial. Los graduandos con estas características tienen más probabilidades de estar bien preparados para afrontar los retos y aprovechar las oportunidades del espíritu empresarial. En respuesta, las instituciones educativas crean intervenciones y programas educativos específicos para ayudar a los estudiantes aspirantes a convertirse en empresarios y trabajadores autónomos, ayudarles a gestionar y tener éxito en diversos aspectos de sus futuras iniciativas empresariales.

Cómo citar
Sarsale, M. (2025). El efecto mediador de la capacidad de innovación en la relación entre los conocimientos financieros y la propensión a asumir riesgos: implicaciones para la disposición de los graduandos a emprender. Revista Universidad Y Empresa, 27(49), 1–20. https://doi.org/10.12804/revistas.urosario.edu.co/empresa/a.14685
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