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A Systems View Across Time and Space

Table 3 Pearson correlation analysis

From: The need for financial knowledge acquisition tools and technology by small business entrepreneurs

  

Mean

S.D.

1

2

3

4

5

6

7

8

9

10

11

12

13

14

Dependent variable

1

Level of need for KA tools

3.625

0.690

              

Control variables

2

Age

 

− 0.118

− 0.118

             

3

Education level

 

0.050

− 0.050

0.168*

            

4

Background education in business management

 

0.123

0.123

− 0.053

− 0.088

           

5

Number of year of experiences

 

− 0.123

− 0.123

0.315**

− 0.027

0.064

          

6

Prior experiences

 

0.211**

0.211**

− 0.090

− 0.067

0.227**

− 0.022

         

7

Responsibility on financial management

 

0.015

0.015

− 0.063

− 0.129

0.439**

− 0.002

0.101

        

8

Responsibility on accounting

 

− 0.149

− 0.149

− 0.106

− 0.072

0.008

0.002

0.077

0.104

       

Independent variables

9

Level of exiting financial knowledge

1.866

0.277

0.151*

− 0.075

− 0.090

0.290**

0.023

0.385**

0.351**

− 0.024

      

10

Level of financial knowledge acquisition for financing

3.3645

0.733

0.466**

− 0.065

− 0.044

0.081

− 0.100

0.178*

0.020

0.035

0.036

     

11

Level of financial knowledge acquisition for record keeping and accounting

3.4211

0.814

0.339**

− 0.137

− 0.074

− 0.068

− 0.131

0.143

− 0.123

0.040

− 0.225**

0.641**

    

12

Level of financial knowledge acquisition for cash management

3.3528

0.776

0.402**

− 0.196*

0.035

− 0.003

− 0.140

0.125

− 0.049

0.060

− 0.216**

0.633**

0.676**

   

13

Level of financial knowledge acquisition for cost calculation

3.4571

0.717

0.464**

− 0.167*

− 0.073

0.012

− 0.072

0.137

− 0.056

− 0.037

− 0.156*

0.537**

0.646**

0.755**

  

14

Level of financial knowledge acquisition for business planning

3.3782

0.762

0.442**

− 0.090

0.043

− 0.009

− 0.187*

0.047

− 0.137

− 0.106

− 0.231**

0.539**

0.668**

0.699**

0.717**

``

15

Level of financial knowledge acquisition for feasibility study

3.4464

0.764

0.378**

− 0.138

− 0.031

− 0.050

− 0.203**

0.072

− 0.102

0.006

− 0.270**

0.598**

0.627**

0.703**

0.699**

0.737**

  1. S.D. standard deviation
  2. *P < .05
  3. **P < .05