DIGITAL FINANCIAL LITERACY AND THE PERFORMANCE OF FEMALE ENTREPRENEURS IN NIGERIA
DIGITAL FINANCIAL LITERACY AND THE PERFORMANCE OF FEMALE ENTREPRENEURS IN NIGERIA

Summary/Abstract: This cross-sectional study investigates the interplay between entrepreneurial knowledge dimensions—Digital Knowledge (DK), Financial Knowledge (FK), Awareness of Digital Finance Risk (ADFR), Digital Finance Risk Control (DFRC), and Knowledge of Digital Finance Systems (KDFS)—and the Performance of Female Entrepreneurs (PFE) in the context of digital finance. A survey research method with purposive sampling through an online questionnaire of 94 female entrepreneurs in Kaduna state has been employed. The study found that digital knowledge (DK), financial knowledge (FK), awareness of digital finance risk (ADFR), digital finance risk control (DFRC) and knowledge of digital finance systems (KDFS) have positive and significant impact on the performance of female entrepreneurs (PFE). The study acknowledges limitations such as the cross-sectional design and the absence of mediators and moderators in the analysis. Practically, the study underscores the importance of cultivating positive attitudes and enhancing perceived control among female entrepreneurs in the digital finance realm.

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