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All Journal PHARMACON Journal of Economic, Bussines and Accounting (COSTING) Jurnal Farmasi Medica (Pharmacy Medical Journal) PMJ JURNAL MANAJEMEN BISNIS Jurnal JTIK (Jurnal Teknologi Informasi dan Komunikasi) Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Kependidikan: Jurnal Hasil Penelitian dan Kajian Kepustakaan di Bidang Pendidikan, Pengajaran dan Pembelajaran Medical Scope Journal (MSJ) Journal of Science and Education (JSE) Edu Cendikia: Jurnal Ilmiah Kependidikan JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Jurnal Minfo Polgan (JMP) Jurnal Bisnis dan Manajemen West Science Journal of Contemporary Administration and Management (ADMAN) Technology and Society Perspectives (TACIT) Borneo Journal of Pharmacy Journal of Pharmacopoeia Journal of Pharmacopoeia Pengabdian: Jurnal Abdimas
Imam Jayanto
Universitas Sam Ratulangi
Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Immunology & microbiology Languange, Linguistic, Communication & Media Library & Information Science Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Veterinary Other

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Unveiling the Role of Risk-Taking Ability in Mediating the Influence of Entrepreneurship Education, Digital Financial Literacy, and Financial Self-Efficacy on Students’ Courage to Start a Business Sutrisno; Garin Pratiwi Solihati; Syamsuri; Susatyo Adhi Pramono; Imam Jayanto; Muhammad Aqib Shafiq
Jurnal Kependidikan : Jurnal Hasil Penelitian dan Kajian Kepustakaan di Bidang Pendidikan, Pengajaran, dan Pembelajaran Vol. 12 No. 1 (2026): March
Publisher : LPPM Universitas Pendidikan Mandalika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33394/jk.v12i1.19701

Abstract

This study aims to analyze the effects of Entrepreneurship Education, Digital Financial Literacy, and Financial Self-Efficacy on Students’ Courage to Start a Business, with Risk-Taking Ability as a mediating variable. A quantitative approach with a survey design was employed, with 100 university students in Banyumas Regency selected via purposive sampling. Data were collected through a structured online questionnaire and analyzed using SEM-PLS with a bootstrapping procedure. The results indicate that Entrepreneurship Education, Digital Financial Literacy, and Financial Self-Efficacy have positive and significant effects on Risk-Taking Ability. Furthermore, Risk-Taking Ability has a positive and significant effect on Students’ Courage to Start a Business. In addition, Risk-Taking Ability is proven to positively and significantly mediate the effects of the three independent variables on students’ entrepreneurial courage. These findings suggest that students’ entrepreneurial courage is largely determined by their ability to assess risks and opportunities and to make decisions under uncertainty. This study contributes theoretically by uniquely integrating financial aspects and psychological aspects within a single framework grounded in the Theory of Planned Behavior, Social Cognitive Theory, and Behavioral Finance Theory. By linking students’ digital financial capability with their risk-taking ability, the model explains how financial knowledge strengthens psychological readiness in entrepreneurial decision-making. The findings also provide practical implications for higher education institutions and policymakers in designing entrepreneurship programs that simultaneously develop digital financial competence and risk-taking capacity.
Co-Authors Abdurohim Abdurohim Abdurohim, Dindin Adithya Yudistira Ahmad Munawir Akhmad Ramli Ambarwati, Retnoning Azlina, Yunidyawati Cakranegara, Pandu Adi Citra Arta, Deddy Novie Datu, Olvie Syenni Dewa Oka Suparwata Dian Parwati Djunaedi Djunaedi Eka Melati Fatimah Malini Lubis Fatkhuri Fatkhuri Garin Pratiwi Solihati Gayatri Citraningtyas Gunawan, Untung Haribowo, Rio Hariyanto, Yuanita Amalia Hendy Tannady I KETUT KUSUMA WIJAYA I Ketut Suada Ilyas Ilyas Irdiana, Sukma Irma Antasionasti Irma M. Nawangwulan Irwan Moridu Jainer Pasca Siampa Juliana, Juliana Krisdiana kusdibyo, kusdibyo Loso Judijanto Merita Ayu Indrianti Moh. Yaqya Mohzana Mozart Malik Ibrahim Mugitasari Muhammad Aqib Shafiq Muhammad Hery Santoso Murwani Wulansari Musran Munizu Mustafa, Fahrina Nafiah Nia Rahmania Potabuga Nur Aisyah Qadri Saiful Olvie Syennie Datu Putri Ekaresty Haes Rahmad Puja Safitransyah Ricka islamiyati Rizal Musafa Medica Rosyidi, Muh. Hasyim Rukiyanto Rukiyanto, Rukiyanto S Suryanti Samuel PD Anantadjaya Samuel PD Anantadjaya Samuel PD Anantadjaya Saputra, Eka Kurnia Sofia Maulida Sugeng Karyadi Surya Sumantri Abdullah Susatyo Adhi Pramono, Susatyo Adhi Susi Arijanti Sutrisno Sutrisno Syamsuri Syamsuri Tri Apriyono Utami Sasmita Lestari Wahyuni Sri Astutik Widya A. Lolo WIjayanthi, Ida Ayu Trisna Zaidun Naim  Abd. Karman