Entrepreneurial Literacy and Financial Behavior among Indonesian Mompreneurs: Insights from a Knowledge-Based Innovation Perspective

This study aims to develop an entrepreneurial literacy model for mompreneurs that contributes to Sustainable Development Goal (SDG) 1 (poverty reduction) and Sustainable Development Goal (SDG) 8 (decent work and economic growth), with a particular focus on how entrepreneurial literacy transforms into financial behavior and fosters innovation in micro-business management. Method: A qualitative case study was conducted in several districts of Makassar City, Indonesia. Participants were selected based on their status as mompreneurs and their type of business. Data were collected through in-depth interviews, observations, and documentation, then analyzed using a thematic spiral model. Findings: Entrepreneurial literacy, acquired through both formal and informal education, translated into financial behaviors such as basic planning, financial management, and reporting. Innovation emerged through enhanced creativity and marketing, customer relationship building, product development, and service improvement. Conclusion: This study proposes a conceptual model linking entrepreneurial literacy, financial behavior, and innovation, offering valuable insights for developing training programs aimed at empowering women in entrepreneurship.