發(fā)布時(shí)間：2024-03-13 04:34

　　企業(yè)家的金融素養(yǎng)被認(rèn)為是中小企業(yè)成長和妥善管理所需的關(guān)鍵能力之一。本研究旨在建立巴基斯坦拉合爾市企業(yè)家的金融素養(yǎng)、金融準(zhǔn)入、交易成本和中小企業(yè)績效之間的關(guān)系。該項(xiàng)研究有五個(gè)目標(biāo),為了實(shí)現(xiàn)這些目標(biāo),我們構(gòu)建了五個(gè)研究假設(shè)。該研究采用了橫斷面設(shè)計(jì),以拉合爾市的所有中小企業(yè)為研究對象,從中抽取398家中小企業(yè)作為實(shí)證樣本。研究的關(guān)鍵工具是問卷調(diào)查,其中包含關(guān)于研究關(guān)鍵變量的Likert型量表問題。通過使用描述性和相關(guān)性分析來分析研究數(shù)據(jù)。研究結(jié)果表明,企業(yè)家的金融素養(yǎng)對中小企業(yè)的績效產(chǎn)生了統(tǒng)計(jì)上的顯著影響,因此支持了金融素養(yǎng)影響企業(yè)績效的假設(shè)。該研究還證明,金融素養(yǎng)對金融準(zhǔn)入具有統(tǒng)計(jì)上的顯著影響,因此支持業(yè)主金融素養(yǎng)影響金融準(zhǔn)入的假設(shè)。該研究還表明,金融準(zhǔn)入對業(yè)主的金融素養(yǎng)和企業(yè)績效關(guān)系的干預(yù)影響具有統(tǒng)計(jì)學(xué)意義。此外,調(diào)查結(jié)果表明,交易成本對業(yè)主的金融素養(yǎng)和企業(yè)績效關(guān)系具有統(tǒng)計(jì)上顯著的調(diào)節(jié)影響。最后,該研究提到,業(yè)主的金融素養(yǎng)、金融準(zhǔn)入、交易成本三者的綜合效應(yīng)具有統(tǒng)計(jì)學(xué)意義。這表明該研究的變量共同預(yù)測了企業(yè)的績效。該研究將有助于理論,管理實(shí)踐和微型企業(yè)部門的政策制定。這項(xiàng)研究還將促進(jìn)決策者關(guān)...

【文章頁數(shù)】：149 頁

【學(xué)位級別】：博士

【文章目錄】：
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



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