Entrepreneurial Literacy And Financial Behavior: A Constructivist Learning Theory Perspective

This study examines how entrepreneurial literacy and financial behavior are shaped by mompreneurs in Makassar, Indonesia, within their distinct social and economic contexts. Using a qualitative phenomenological approach, this research is grounded in Constructivist Learning Theory and the Theory of Planned Behavior (TPB). The study involved 15 key informants—active mompreneurs—and 6 supporting informants, including family members and local community leaders. Data was collected through in-depth interviews and analyzed using Creswell’s spiral analysis model. The findings reveal that entrepreneurial literacy among mompreneurs develops actively through lived experiences, social interaction, reflection, and adaptation to business challenges. Financial behavior is shaped by attitudes, subjective norms, and perceived behavioral control, in line with the TPB framework. The results emphasize the crucial role of peer communities and experiential learning in enhancing women’s economic resilience. This study makes a theoretical and practical contribution to the development of contextual and reflective approaches for empowering female micro-entrepreneurs and enhancing household financial well-being.