<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>0124-4639</journal-id>
<journal-title><![CDATA[Revista Universidad y Empresa]]></journal-title>
<abbrev-journal-title><![CDATA[rev.univ.empresa]]></abbrev-journal-title>
<issn>0124-4639</issn>
<publisher>
<publisher-name><![CDATA[Universidad del Rosario]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S0124-46392025000214685</article-id>
<article-id pub-id-type="doi">10.12804/revistas.urosario.edu.co/empresa/a.14685</article-id>
<title-group>
<article-title xml:lang="en"><![CDATA[The Mediating Effect of Innovativeness on the Relationship between Financial Literacy and Risk-Taking Propensity: Implications for Graduates' Readiness for Entrepreneurship]]></article-title>
<article-title xml:lang="es"><![CDATA[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]]></article-title>
<article-title xml:lang="pt"><![CDATA[O efeito mediador da inovac&#807;a&#771;o sobre a alfabetizac&#807;a&#771;o financeira e a propensa&#771;o ao risco: implicac&#807;o&#771;es para a prontida&#771;o dos graduados para o empreendedorismo]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Sarsale]]></surname>
<given-names><![CDATA[Melvin S.]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Southern Leyte State University  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Philippines</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2025</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2025</year>
</pub-date>
<volume>27</volume>
<numero>49</numero>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_arttext&amp;pid=S0124-46392025000214685&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_abstract&amp;pid=S0124-46392025000214685&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_pdf&amp;pid=S0124-46392025000214685&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract  Objective: This article examined the mediating role of innovativeness between financial literacy and risk-taking tendency and its implications for graduates' preparedness for self-employment.  Methodology: This research employed a cross-sectional design with 157 students at a Philippine state university.  Key findings: Filipino students who were surveyed had moderate financial literacy and entrepreneurial characteristics. Financial literacy, risk-taking willingness, and innovativeness also have a significant relationship. In addition, innovativeness mediates financial literacy and risk-taking willingness.  Conclusion: Financial literacy and innovativeness influence entrepreneurial readiness. Graduates with these characteristics are more likely to be well-equipped to navigate the challenges and seize the opportunities of entrepreneurship. In response, educational institutions create specific interventions and educational programs to help aspiring students become entrepreneurs and self-employed individuals, help them manage and succeed in various aspects of their future entrepreneurial ventures.]]></p></abstract>
<abstract abstract-type="short" xml:lang="es"><p><![CDATA[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 auto-empleo.  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.]]></p></abstract>
<abstract abstract-type="short" xml:lang="pt"><p><![CDATA[Resumo  Objetivo: este artigo examinou o papel mediador da inovação entre a alfabetização financeira e a tendência ao risco, bem como suas implicações para a prontidão dos graduados para o empreendedorismo.  Metodologia: utilizou-se um desenho transversal com 157 estudantes de uma universidade estadual nas Filipinas.  Resultados: os estudantes filipinos pesquisados demonstraram alfabetização financeira e características empreendedoras moderadas. Alfabetização financeira, disposição para assumir riscos e inovação também apresentaram uma relação significativa. Além disso, a inovação atua como mediadora entre a alfabetização financeira e a propensão para assumir riscos.  Conclusão: a alfabetização financeira e a inovação influenciam a prontidão empreendedora. Graduados com essas características provavelmente tendem a estar mais bem preparados para enfrentar os desafios e aproveitar as oportunidades do empreendedorismo. Diante disso, as instituições de ensino podem criar intervenções e programas educacionais específicos para ajudar estudantes aspirantes a se tornarem empreendedores e profissionais autónomos, capacitando-os para lidar com diversos aspectos da gestão e do sucesso em suas futuras atividades empreendedoras.]]></p></abstract>
<kwd-group>
<kwd lng="en"><![CDATA[financial literacy]]></kwd>
<kwd lng="en"><![CDATA[risk-taking propensity]]></kwd>
<kwd lng="en"><![CDATA[innovativeness]]></kwd>
<kwd lng="es"><![CDATA[conocimientos financieros]]></kwd>
<kwd lng="es"><![CDATA[propensión al riesgo]]></kwd>
<kwd lng="es"><![CDATA[capacidad de innovación]]></kwd>
<kwd lng="pt"><![CDATA[alfabetização financeira]]></kwd>
<kwd lng="pt"><![CDATA[propensão ao risco]]></kwd>
<kwd lng="pt"><![CDATA[inovação]]></kwd>
</kwd-group>
</article-meta>
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