Resilience and Sustainable Performance of Moroccan Individual Entrepreneurs: Nexus with Entrepreneurial Competency and Digital and Financial Literacy

This research explores the multifaceted dimensions of individual entrepreneurship and the factors that influence entrepreneurial activity in Morocco. In line with the country’s orientation and governmental initiatives toward entrepreneurship, this paper highlights how financial and digital literacies, as well as entrepreneurial competency, influence entrepreneurs’ decisions to sustain and build resilient businesses. PLS-SEM was employed to analyze data collected through an online questionnaire from 155 individual entrepreneurs. The findings suggest that financial literacy and digital literacy have a positive and significant impact on entrepreneurial competency. Entrepreneurial competency has a statistically significant and positive impact on both sustainable performance and resilience. Furthermore, entrepreneurial competency has been proven to act as a mediator between financial literacy and resilience, as well as between financial literacy and sustainable performance. Similarly, entrepreneurial competency bridges the relationships between digital literacy and resilience, as well as between digital literacy and sustainable performance. Despite limitations regarding the population frame, the strong connections between constructs suggest that Moroccan authorities should reconsider existing support policies and develop more cohesive programs that assist entrepreneurs in improving their performance and resilience. These findings provide practitioners with actionable insights for shaping technical tools and adopting professional practices. For researchers, the results offer a foundation for future in-depth studies to evaluate the effectiveness of government initiatives and to support entrepreneurs through robust, data-driven analysis.

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Publication Details

Journal
Journal of risk and financial management
Published
2026-02-26
DOI
https://doi.org/10.3390/jrfm19030164
Primary Topic
Entrepreneurship Studies and Influences
Type
article
Field-Weighted Citation Impact
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article

Resilience and Sustainable Performance of Moroccan Individual Entrepreneurs: Nexus with Entrepreneurial Competency and Digital and Financial Literacy

Mohamed Makhtari, Ikram Zouitini, El Makhtar Rhannai
Journal of risk and financial management
Entrepreneurship Studies and Influences
article

Resilience and Sustainable Performance of Moroccan Individual Entrepreneurs: Nexus with Entrepreneurial Competency and Digital and Financial Literacy

Mohamed Makhtari, Ikram Zouitini, El Makhtar Rhannai
article en

Abstract

This research explores the multifaceted dimensions of individual entrepreneurship and the factors that influence entrepreneurial activity in Morocco. In line with the country’s orientation and governmental initiatives toward entrepreneurship, this paper highlights how financial and digital literacies, as well as entrepreneurial competency, influence entrepreneurs’ decisions to sustain and build resilient businesses. PLS-SEM was employed to analyze data collected through an online questionnaire from 155 individual entrepreneurs. The findings suggest that financial literacy and digital literacy have a positive and significant impact on entrepreneurial competency. Entrepreneurial competency has a statistically significant and positive impact on both sustainable performance and resilience. Furthermore, entrepreneurial competency has been proven to act as a mediator between financial literacy and resilience, as well as between financial literacy and sustainable performance. Similarly, entrepreneurial competency bridges the relationships between digital literacy and resilience, as well as between digital literacy and sustainable performance. Despite limitations regarding the population frame, the strong connections between constructs suggest that Moroccan authorities should reconsider existing support policies and develop more cohesive programs that assist entrepreneurs in improving their performance and resilience. These findings provide practitioners with actionable insights for shaping technical tools and adopting professional practices. For researchers, the results offer a foundation for future in-depth studies to evaluate the effectiveness of government initiatives and to support entrepreneurs through robust, data-driven analysis.

Journal of risk and financial managementVol. 19(3)
Al Akhawayn University (MA), Sidi Mohamed Ben Abdellah University (MA)
Quality Education
Openalex Percentile: Top 45%
Entrepreneurship Studies and Influences
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