LA ALFABETIZACIÓN FINANCIERA EN LA INTENCIÓN EMPRENDEDORA UNIVERSITARIA: EL PAPEL MODERADOR EN LA RELACIÓN CON EL GÉNERO

Financial literacy is increasingly being incorporated into various educational systems due to the benefits it offers to economies, particularly in fostering virtuous entrepreneurial ventures. However, gender gaps are evident among potential entrepreneurs, which could be mitigated through greater financial literacy. The objective of this study is to analyze the role of financial literacy in the relationship between gender and entrepreneurial intention. To this end, data from the 2021 GUESS survey conducted among students at the University of Santiago de Compostela is used, along with logit models for analysis. The results show that men who believe they have a sufficient level of financial literacy, or who plan to improve it, exhibit higher levels of innovative entrepreneurial intention. Moreover, the association between financial literacy and well-being, as well as the perception of having received an adequate level of financial education, presents effects that are exclusive to women. Keywords: Financial education, financial literacy, entrepreneurial intention, university students, gender