Resilience and Sustainable Performance of Moroccan Individual Entrepreneurs: Nexus with Entrepreneurial Competency and Digital and Financial Literacy

This research explores the multifaceted dimensions of individual entrepreneurship and the factors that influence entrepreneurial activity in Morocco. In line with the country’s orientation and governmental initiatives toward entrepreneurship, this paper highlights how financial and digital literacies, as well as entrepreneurial competency, influence entrepreneurs’ decisions to sustain and build resilient businesses. PLS-SEM was employed to analyze data collected through an online questionnaire from 155 individual entrepreneurs. The findings suggest that financial literacy and digital literacy have a positive and significant impact on entrepreneurial competency. Entrepreneurial competency has a statistically significant and positive impact on both sustainable performance and resilience. Furthermore, entrepreneurial competency has been proven to act as a mediator between financial literacy and resilience, as well as between financial literacy and sustainable performance. Similarly, entrepreneurial competency bridges the relationships between digital literacy and resilience, as well as between digital literacy and sustainable performance. Despite limitations regarding the population frame, the strong connections between constructs suggest that Moroccan authorities should reconsider existing support policies and develop more cohesive programs that assist entrepreneurs in improving their performance and resilience. These findings provide practitioners with actionable insights for shaping technical tools and adopting professional practices. For researchers, the results offer a foundation for future in-depth studies to evaluate the effectiveness of government initiatives and to support entrepreneurs through robust, data-driven analysis.