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Abstract(s)
A literacia financeira efetiva e percecionada, bem como os comportamentos financeiros individuais constituem relevantes dimensões preditoras e caracterizadoras da perfomance pessoal e empresarial dos empreendedores.
A investigação desenvolvida na presente dissertação contou com uma amostra de 191 empreendedores de startups portuguesas que participaram na resposta a um questionário constituído por seis dimensões de questões (sociodemográfica, caracterização empresarial, contexto familiar, comportamentos financeiros, literacia percecionada e literacia efetiva).
O estudo desenvolvido permitiu perceber que a amostra de empreendedores de startups demonstra níveis de literacia efetiva, percecionada e de comportamentos financeiros positivos. Concluiu-se ainda a existência de uma correlação positiva entre comportamentos financeiros e os níveis de literacia financeira dos sujeitos. Em paralelo, e ao nível da análise das variáveis sociodemográficas, foi possível aferir a existência de relações positivas significavativas que apontam no sentido dos homens terem melhores níveis de literacia efetiva (conhecimentos financeiros) e melhores níveis de literacia percecionada. Relativamente à análise da escolaridade, os sujeitos com ensino superior apresentam comportamentos financeiros mais assertivos. No que concerne à influência familiar na decisão de empreender, os sujeitos que reconhecem a influência familiar tendem a ter comportamentos mais assertivos. Quanto ao estudo das subdimensões da literacia percecionada consideradas neste estudo, verifica- se a existência de uma relação positiva significativa entre os comportamentos financeiros e a autoconfiança e o autocontrolo.
Actual and perceived financial literacy, as well as individual financial behaviors, are important predictors and explainers to entrepreneur's performance. This research included a sample of 191 portuguese startups entrepreneurs who participated in the answer to a questionnaire composed by six dimensions of questions (sociodemographic, business characterization, family context, financial behaviors, perceived literacy and actual literacy) by understand the existence of significant relationships between them. This study prove that startup’s entrepreneurs shows actual literacy, perceived literacy and positive financial behaviors’s proficient levels. The study also concluded that there is a positive correlation between financial behaviors and the subjects' financial literacy levels. About sociodemographic variables, it was possible to gauge the existence of significant positive relations that indicate that men have better levels of actual literacy (financial knowledge) and better levels of perceived literacy. Regarding the analysis of schooling, entrepreneurs with higher education shows more positive financial behaviors. About family influence in the decision to build a startup, entrepreneurs who recognize family influence show more positive financial behaviors. About perceived literacy’s subdimensions, there is a significant positive relationship between financial behavior and self-confidence and self-control.
Actual and perceived financial literacy, as well as individual financial behaviors, are important predictors and explainers to entrepreneur's performance. This research included a sample of 191 portuguese startups entrepreneurs who participated in the answer to a questionnaire composed by six dimensions of questions (sociodemographic, business characterization, family context, financial behaviors, perceived literacy and actual literacy) by understand the existence of significant relationships between them. This study prove that startup’s entrepreneurs shows actual literacy, perceived literacy and positive financial behaviors’s proficient levels. The study also concluded that there is a positive correlation between financial behaviors and the subjects' financial literacy levels. About sociodemographic variables, it was possible to gauge the existence of significant positive relations that indicate that men have better levels of actual literacy (financial knowledge) and better levels of perceived literacy. Regarding the analysis of schooling, entrepreneurs with higher education shows more positive financial behaviors. About family influence in the decision to build a startup, entrepreneurs who recognize family influence show more positive financial behaviors. About perceived literacy’s subdimensions, there is a significant positive relationship between financial behavior and self-confidence and self-control.
Description
Versão Final (Esta versão contém as críticas e sugestões dos elementos do Júri)
Keywords
Literacia financeira efetiva Literacia financeira percecionada Comportamento financeiro Empreendedores de Startups Actual financial literacy Portuguese startup’s entrepreneurs Perceived financial literacy Financial behavior