Assessing entrepreneurial intention in Gen Z and Millennials: an integrated model studying the mediating effects of risk taking and self-efficacy

Sushma B S; Chandra Sen Mazumdar

doi:10.5585/2025.29096

Autores

Sushma B S Faculty of Management and Commerce (FMC), M S Ramaiah University of Applied Sciences (MSRUAS), Management Studies, Bangalore, Karnataka, India https://orcid.org/0000-0001-9253-5990
Chandra Sen Mazumdar Faculty of Management and Commerce (FMC), M S Ramaiah University of Applied Sciences (MSRUAS), Management Studies, Bangalore, Karnataka, India https://orcid.org/0000-0003-2366-1496

DOI:

https://doi.org/10.5585/2025.29096

Palavras-chave:

educação financeira, educação empreendedora, bem-estar financeiro, intenção empreendedora, autoeficácia, tomada de risco

Resumo

Este estudo teve como objetivo explorar o impacto da influência da Educação Financeira (EF), Educação Empreendedora (EE) e Bem-Estar Financeiro (BEF) na Intenção Empreendedora (IE) e nos papéis mediadores da Autoeficácia (EA) e da Assunção de Risco (AR). Os dados foram coletados de 736 respondentes pertencentes às coortes da Geração Z e Milênios em Bangalore. O teste de confiabilidade e validade foi realizado para verificar a consistência interna dos construtos. A SEM foi utilizada para avaliar o impacto entre os construtos. Os resultados revelam que, embora a EE não tenha impacto direto na IE, ela melhora significativamente o BEF, o que influencia positivamente a EA e a AR. A EF aprimora tanto o BEF quanto a IE, com seus efeitos na IE sendo mediados pela EA e AR. Notavelmente, o BEF tem um impacto direto negativo na IE, sugerindo que uma maior estabilidade financeira reduzirá a necessidade percebida de empreendimentos, mas afeta positivamente a AR e a AR, que são cruciais para fomentar a IE. A análise de mediação confirma que a AR e a EA desempenham papéis significativos na tradução do BEF para a IE. Essas descobertas ressaltam a importância da integração da EF com a EE para aprimorar as capacidades de EA e AR. Este estudo recomenda que formuladores de políticas e educadores criem programas abrangentes que não apenas melhorem a EF, mas também promovam a confiança e a tomada de risco (AR) para apoiar efetivamente as aspirações e o sucesso empreendedor.

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Biografia do Autor

Sushma B S, Faculty of Management and Commerce (FMC), M S Ramaiah University of Applied Sciences (MSRUAS), Management Studies, Bangalore, Karnataka, India

Sushma B S é Professora Assistente na Faculdade de Administração e Comércio da Ramaiah University of Applied Sciences, Bangalore, Índia. Possui MBA em Finanças e atualmente cursa doutorado, com foco em intenção empreendedora, literacia financeira e bem-estar entre a Geração Z e os Millennials. Seus interesses de pesquisa incluem empreendedorismo, comportamento financeiro e práticas empresariais sustentáveis.

Chandra Sen Mazumdar, Faculty of Management and Commerce (FMC), M S Ramaiah University of Applied Sciences (MSRUAS), Management Studies, Bangalore, Karnataka, India

A Dra. Chandra Sen Mazumdar é Professora Associada e Coordenadora do Programa de MBA da Faculdade de Administração e Comércio da Universidade de Ciências Aplicadas M. S. Ramaiah (MSRUAS), em Bangalore. Ela possui graduação em Tecnologia Química pela Universidade de Calcutá e mestrado e doutorado em Gestão de Operações pelo Departamento de Estudos de Gestão do Instituto Indiano de Ciência, em Bangalore. Antes de ingressar na vida acadêmica, adquiriu vasta experiência profissional nas indústrias química e de TI. Seus interesses de pesquisa abrangem gestão da cadeia de suprimentos, modelagem matemática para tomada de decisões, análise de dados, aplicações de aprendizado de máquina em negócios e estudos de empreendedorismo. Ela colabora ativamente com institutos de gestão e redes de pesquisa em Bangalore e é membro vitalício da Sociedade de Pesquisa Operacional da Índia (ORSI).

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