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September 25, 2025International Journal of Economics, Commerce, and Management.Open Access

Financial Literacy and Entrepreneurial Intention: The Mediating Role of Motivational Factor

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Authors

IIIda IdaMuhammadiyah University of MakassarHSHenky Lisan Suwarno

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Implication

Quantitative analysis reveals motivational factors mediate the relationship between financial literacy and entrepreneurial intention in Gen Z.

Key Points

  • Motivational factors significantly mediate the link between financial literacy and entrepreneurial intention.
  • The direct effect of financial literacy on entrepreneurial intention is not significant, highlighting the need for motivation.
  • Data collected from 114 Gen Z individuals in West Java were analyzed using Structural Equation Modeling.
  • Results suggest that financial literacy education must include strategies to enhance motivation for effectiveness.

Cite This Study

Ida et al. (2025) studied this question.

synapsesocial.com/papers/68d5e1ffbd7882ccb9b866d0https://doi.org/10.62951/ijecm.v2i4.969
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Also Consider

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  1. 1The Influence of Financial Literacy, Digital Marketing, Network Connections, and Educational Management on Entrepreneurial Readiness among Generation Z2025 · 1 citations
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  3. 3When Financial Awareness Meets Reality: Financial Literacy and Gen Z’s Entrepreneurship Interest2025 · 4 citations
  4. 4The Influence of Digital Literacy, Self-Efficacy, and Social Environment on the Intention to Become an Entrepreneur among Gen-Z in Coastal Areas2025
  5. 5Exploring the roles of financial literacy, past behavior, and subjective norms in shaping investment intention: A mediation analysis2025 · 5 citations