金融素养对新兴经济体中小企业业绩的影响
发布时间：2024-03-13 04:34
企业家的金融素养被认为是中小企业成长和妥善管理所需的关键能力之一。本研究旨在建立巴基斯坦拉合尔市企业家的金融素养、金融准入、交易成本和中小企业绩效之间的关系。该项研究有五个目标,为了实现这些目标,我们构建了五个研究假设。该研究采用了横断面设计,以拉合尔市的所有中小企业为研究对象,从中抽取398家中小企业作为实证样本。研究的关键工具是问卷调查,其中包含关于研究关键变量的Likert型量表问题。通过使用描述性和相关性分析来分析研究数据。研究结果表明,企业家的金融素养对中小企业的绩效产生了统计上的显著影响,因此支持了金融素养影响企业绩效的假设。该研究还证明,金融素养对金融准入具有统计上的显著影响,因此支持业主金融素养影响金融准入的假设。该研究还表明,金融准入对业主的金融素养和企业绩效关系的干预影响具有统计学意义。此外,调查结果表明,交易成本对业主的金融素养和企业绩效关系具有统计上显著的调节影响。最后,该研究提到,业主的金融素养、金融准入、交易成本三者的综合效应具有统计学意义。这表明该研究的变量共同预测了企业的绩效。该研究将有助于理论,管理实践和微型企业部门的政策制定。这项研究还将促进决策者关...
【文章页数】：149 页
【学位级别】：博士
【文章目录】：
摘要
ABSTRACT
List of abbreviations
Chapter One Introduction
1.1 Background of the Study
1.1.1 Entrepreneur Financial Literacy
1.1.2 Financial Access
1.1.3 Transaction Cost
1.1.4 Firm Performance
1.1.5 SME in Pakistan
1.2 Conceptual foundation of study and TheoraticalOverview
1.2.1 Overview of entrepreneurship theory
1.2.2 Resource based Theory of Entrepreneurship
1.2.3 Entrepreneurial competency theory
1.2.4 Contingency theory of Entrepreneurship
1.2.5 Transaction cost theory
1.2.6 Financial literacy theory
1.3 Research Problem
1.4 Research Objectives
1.5 Value of the Study
Chapter Two: Literature Review
2.1 Introduction
2.2 Related Work
2.3 Owners/Managers Financial Literacy and SMEs Performance
2.4 Owners/Managers financial literacy, Access to Finance and SMEs performance
2.5 Owners/Managers financial literacy, transaction cost and SMEs Performance
2.6 Owners/Managers Financial Literacy,Financial Access,Transaction Cost and SME performance
2.7 Research framework and Hypothesis
2.7.1 Research Framework
2.7.2 Research Hypothesis
Chapter Three:Methodology
3.1 Introduction
3.2 Research Design
3.3 Study Population
3.4 Sampling Design
3.5 Data Collection
3.6 Validity and Reliability of study instrument
3.6.1 Validity Tests
3.6.2 Reliability Tests
3.7 Measurement and operationalization of variables
3.8 Data Analysis
Chapter Four Data Analysis And Results
4.1 Introduction
4.2 Organizational characteristics
4.3 Demographics
4.4 Descriptive Analysis
4.4.1 Owners/managers financial literacy
4.4.2 Financial Management
4.4.3 Savings iteracy
4.4.4 Debt literacy
4.4.5 Investment Literacy
4.4.6 Insurance Literacy
4.4.7 Financial Access
4.4.8 Use of different f-services and providers
4.4.9 Firm performance
4.5 Sampling adequacy
4.6 Confirmatory factor analysis
4.7 Tests of statistical assumptions
4.8 Dependent and independent variables correlation
4.8.1 Correlation between Owners financial literacy, FA, TC and SMEsperformance
4.8.2 Correlation between FL dimensions and SMEs performance
4.8.3 Correlation between Financial Literacy and Financial Access
4.9 Hypothesis testing H1,H2, H3,H4, H5
4.9.1 The relationship between owner's financial literacy and SMEs performance
4.9.2 The relationship between owner's financial literacy and Financial Access
4.9.3 Financial Access,owner's financial literacy and SME performance
4.9.4 The relationship between TC, FL and SME performance
4.9.5 The relationship between owners FL, FA, TC and enterpriseperformance
4.10 Summary of Data analysis and Findings
Chapter Five: Discussion Of Results
5.1 Introduction
5.1.1 The impact of owner's financial literacy and SMEs performance
5.1.2 The influence of owner's financial literacy and financial access
5.1.3 The impact of Financial Access on the relationship between owner's financialliteracy and SMEs performance
5.1.4 The impact of transaction costs on the relationship between owner's financialliteracy and SMEs performance
5.1.5 The joint effect of owner's financial literacy,financial access and transaction coaton the SME performance
5.2 Summary of Results of the Study and Discussions
Chapter Six: Summery, Conclusion And Recommendations
6.1 Introduction
6.2 Conclusion of study findings
6.2.1 The influence of owner's financial literacy on SMEs performance
6.2.2 The influence of the owner's financial literacy on financial access
6.2.3 The mediating role of financial access on the owners' financial literacy andenterprise performance relationship
6.2.4 The moderating influence of transaction costs on the owner's financial literacyand SMEs performance relationship
6.2.5 Joint influence of financial literacy,financial access and the transaction costs onthe SMEs performance
6.3 Overall Study Conclusion
6.4 Implications of Research Findings
6.5 Limitations of the study
6.6 Directions of Future Research
References
Acknowledgements
Introduction of the Author
Appendix i: Questionnaire
本文编号：3927197
【文章页数】：149 页
【学位级别】：博士
【文章目录】：
摘要
ABSTRACT
List of abbreviations
Chapter One Introduction
1.1 Background of the Study
1.1.1 Entrepreneur Financial Literacy
1.1.2 Financial Access
1.1.3 Transaction Cost
1.1.4 Firm Performance
1.1.5 SME in Pakistan
1.2 Conceptual foundation of study and TheoraticalOverview
1.2.1 Overview of entrepreneurship theory
1.2.2 Resource based Theory of Entrepreneurship
1.2.3 Entrepreneurial competency theory
1.2.4 Contingency theory of Entrepreneurship
1.2.5 Transaction cost theory
1.2.6 Financial literacy theory
1.3 Research Problem
1.4 Research Objectives
1.5 Value of the Study
Chapter Two: Literature Review
2.1 Introduction
2.2 Related Work
2.3 Owners/Managers Financial Literacy and SMEs Performance
2.4 Owners/Managers financial literacy, Access to Finance and SMEs performance
2.5 Owners/Managers financial literacy, transaction cost and SMEs Performance
2.6 Owners/Managers Financial Literacy,Financial Access,Transaction Cost and SME performance
2.7 Research framework and Hypothesis
2.7.1 Research Framework
2.7.2 Research Hypothesis
Chapter Three:Methodology
3.1 Introduction
3.2 Research Design
3.3 Study Population
3.4 Sampling Design
3.5 Data Collection
3.6 Validity and Reliability of study instrument
3.6.1 Validity Tests
3.6.2 Reliability Tests
3.7 Measurement and operationalization of variables
3.8 Data Analysis
Chapter Four Data Analysis And Results
4.1 Introduction
4.2 Organizational characteristics
4.3 Demographics
4.4 Descriptive Analysis
4.4.1 Owners/managers financial literacy
4.4.2 Financial Management
4.4.3 Savings iteracy
4.4.4 Debt literacy
4.4.5 Investment Literacy
4.4.6 Insurance Literacy
4.4.7 Financial Access
4.4.8 Use of different f-services and providers
4.4.9 Firm performance
4.5 Sampling adequacy
4.6 Confirmatory factor analysis
4.7 Tests of statistical assumptions
4.8 Dependent and independent variables correlation
4.8.1 Correlation between Owners financial literacy, FA, TC and SMEsperformance
4.8.2 Correlation between FL dimensions and SMEs performance
4.8.3 Correlation between Financial Literacy and Financial Access
4.9 Hypothesis testing H1,H2, H3,H4, H5
4.9.1 The relationship between owner's financial literacy and SMEs performance
4.9.2 The relationship between owner's financial literacy and Financial Access
4.9.3 Financial Access,owner's financial literacy and SME performance
4.9.4 The relationship between TC, FL and SME performance
4.9.5 The relationship between owners FL, FA, TC and enterpriseperformance
4.10 Summary of Data analysis and Findings
Chapter Five: Discussion Of Results
5.1 Introduction
5.1.1 The impact of owner's financial literacy and SMEs performance
5.1.2 The influence of owner's financial literacy and financial access
5.1.3 The impact of Financial Access on the relationship between owner's financialliteracy and SMEs performance
5.1.4 The impact of transaction costs on the relationship between owner's financialliteracy and SMEs performance
5.1.5 The joint effect of owner's financial literacy,financial access and transaction coaton the SME performance
5.2 Summary of Results of the Study and Discussions
Chapter Six: Summery, Conclusion And Recommendations
6.1 Introduction
6.2 Conclusion of study findings
6.2.1 The influence of owner's financial literacy on SMEs performance
6.2.2 The influence of the owner's financial literacy on financial access
6.2.3 The mediating role of financial access on the owners' financial literacy andenterprise performance relationship
6.2.4 The moderating influence of transaction costs on the owner's financial literacyand SMEs performance relationship
6.2.5 Joint influence of financial literacy,financial access and the transaction costs onthe SMEs performance
6.3 Overall Study Conclusion
6.4 Implications of Research Findings
6.5 Limitations of the study
6.6 Directions of Future Research
References
Acknowledgements
Introduction of the Author
Appendix i: Questionnaire
本文编号：3927197
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