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Financial literacy and self employment – The moderating effect of gender and race
University of North Carolina at Wilmington, USA.
Villanova University, USA.
College of Business, University of North Texas, USA.
Södertörns högskola, Institutionen för samhällsvetenskaper, Företagsekonomi. Hanken School of Economics, Finland.ORCID-id: 0000-0003-2125-6155
2022 (Engelska)Ingår i: Journal of Business Research, ISSN 0148-2963, E-ISSN 1873-7978, Vol. 139, s. 639-653Artikel i tidskrift (Refereegranskat) Published
Abstract [en]

Within the next decade, the number of self-employed workers, now 40% of the workforce, is predicted to surpass that of traditional employees. Managing finances (financial literacy) is an important skill set for self-employment. We bring attention to the growing prevalence of self-employment at a time when financial literacy is in decline in the United States. Using a sample of 15,069 participants in the 2015 and 2018 National Financial Capability Study, we find support for a positive association between financial literacy and self-employment in a U.S. context and extend prior research by focusing on two widely studied and important U.S. demographic segments in self-employment and entrepreneurship literature – gender and race. Contrary to other U.S.-based studies, we find that women with higher financial literacy scores are more likely to be self-employed than men; yet surprisingly, there is no significant difference in the association between higher financial literacy scores and self-employment between non-white and white U.S. respondents. We discuss the implications of the findings for researchers, policymakers, educators, and those considering self-employment.

Ort, förlag, år, upplaga, sidor
Elsevier, 2022. Vol. 139, s. 639-653
Nyckelord [en]
Financial literacy, Gender, Human capital theory, Race, Self-employment
Nationell ämneskategori
Företagsekonomi
Identifikatorer
URN: urn:nbn:se:sh:diva-46714DOI: 10.1016/j.jbusres.2021.10.003ISI: 000712590300005Scopus ID: 2-s2.0-85117374762OAI: oai:DiVA.org:sh-46714DiVA, id: diva2:1610485
Tillgänglig från: 2021-11-11 Skapad: 2021-11-11 Senast uppdaterad: 2022-10-03Bibliografiskt granskad

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Oghazi, Pejvak

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