Análisis de la incidencia de la educación financiera y la competencia digital en la intención de emprendimiento de la población económicamente activa en la ciudad de Cuenca 2022

Abstract

Entrepreneurship, as an act of innovation to produce wealth, arises from the need for employment and the scarcity of income. For this reason, a part of the economy has been dedicated to studying, above all, three conduits: Entrepreneurship Intention (IE), Financial Education (FE) and Digital Competence (DC). The purpose of this work is to build a model to determine the significance relationship between these variables in the urban area of the city of Cuenca. Th type of the study is correlational, cross-sectional with a quantitative approach, through factor analysis and the use of structural equations from data collected through surveys. The examined sample consists of 386 stratified surveys in 15 urban parishes of the city. Among the most outstanding results is the viability of the model, given that the analysis incorporates DC as a mediating variable of the relationship with an indirect effect of 0.821. Furthermore, the positive and significant results between FE and IE of 0.289 are added. It is recommended that entrepreneurs enhance their knowledge by accessing public and private programs to increase skills in these areas in order to give rise to the creation of business units.