Abstract

DECARO-SANTIAGO, Laura Angélica; SORIANO-HERNANDEZ, María Guadalupe; BENITEZ-GUADARRAMA, Juan Pedro  and  SORIANO-HERNANDEZ, Juana Gabriela. Financial behavior among entrepreneurial university students. Rev. esc.adm.neg [online]. 2020, n.89, pp.51-68.  Epub Sep 14, 2021. ISSN 0120-8160.  https://doi.org/10.21158/01208160.n89.2020.2816.

In order to reduce some of the barriers to entrepreneurship and decrease the mortality rates of newly established enterprises, it is necessary to create strategies that encourage more conscious and accurate decisions on personal finance issues among university students. Considering that the role of higher education institutions is determinant to strengthen such capacity, the aim of this research is to explore the financial behavior of university students from two university centers of Universidad Autónoma del Estado de México (UAEM). This is performed by distinguishing between those who are entrepreneurs or potential entrepreneurs, and those who are not, in order to identify behaviors towards credit, savings, and money management issues, without forgetting the levels of inclusion in the formal financial system. Data collection took place through the application of a questionnaire with closed questions to a sample of 518 students of Administration, Accounting, Law, Psychology, Computer Engineering, and Computer Science. Measurement tools such as frequencies and tests for association of variables of descriptive statistics were used. Among the major results, we identified that 14.5% of the students are entrepreneurs, while 69.7% are potential entrepreneurs. In addition, we identified the dependence on the status of entrepreneurship including formal credit, payment of credit cards, timely payment of bills, analysis of ant-expenditure, recording of expenses, and allocation of resources.

Keywords : financial education; financial behavior; entrepreneurship; university entrepreneurship; entrepreneurial potential; financial inclusion; money management.

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