Journal of Sustainable Tourism and Entrepreneurship
Vol. 7 No. 3 (2026): March

Impact of Financial Literacy on University Students' Entrepreneurial Orientation in Khulna City

Jarif Hossain (BRAC, Dhaka, Bangladesh)
Farhana Amin Kona (Bangladesh University of Professionals, Dhaka, Bangladesh)
Zona Zaman (BRAC, Dhaka, Bangladesh)



Article Info

Publish Date
31 Mar 2026

Abstract

Purpose: This study aims to examine the relationship between financial literacy and entrepreneurial orientation among university students in Khulna City, Bangladesh. Methodology: This quantitative study collected primary data from 250 students across public and private universities in Khulna, Bangladesh, using stratified and convenience sampling. A self-administered questionnaire with a 5-point Likert scale was used to collect data. The data were analyzed using correlation and regression techniques. Results: The results indicate a significant positive correlation of .807 between financial literacy and entrepreneurial orientation. The regression analysis shows that financial literacy has 35.5% explanatory power on entrepreneurial orientation. Conclusions: This study demonstrates that financial literacy significantly enhances students’ entrepreneurial orientation, explaining 35.5% of its variance. The findings highlight the importance of integrating financial education into higher education to support entrepreneurship and economic growth. Limitations: The primary limitation of this study is its sample size, with most respondents from Khulna University. Data collection was conducted online, and broader participation required more time and resources. Contributions: Overall, the findings suggest that improving university students' financial literacy can play a pivotal role in strengthening their entrepreneurial orientation, contributing to a more dynamic and resilient economy.

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Journal Info

Abbrev

JoSTE

Publisher

Subject

Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences

Description

The scopes of the journal include, but are not limited to, the following fields: Innovation in Tourism and Business •Theoretical underpinnings of innovation management •Innovation marketing strategies •Globalization, innovation and changes •The use of digital technology in tourism and ...