창업의지 및 자금조달과 사업능력이 재무성과에 미치는 영향에 관한 연구: 포항지역 소상공인을 중심으로

With the continued growth without employment under the uncertain economic environment recently, start-ups have become a necessity, not an option. Start-ups have become a useful means of creating jobs, and in this regard, the number of start-ups of small-scale has increased. This study analyzes (1) the effect of entrepreneurial intention on the business ability and financial performance, (2) the effect of financing on the business ability and financial performance, and (3) the effect of business ability on the financial performance. The results of this study are summarized as follows. First, it was found that the entrepreneurial intention has a positive (+) effect on the business ability and financial performance. This means that the entrepreneur's strong intention in the process of starting a new business has a crucial effect on the business ability and financial performance, such as securing technical competence to enhance competitiveness and marketing ability to meet customer's needs. Second, it was found that financing has a positive (+) effect on the business ability, however, it does not have a significant impact on the financial performance. This result is primarily due to the fact that most of the subjects surveyed are first-time start-ups, suggesting that the government should introduce a systematic support program to help solve the financial liquidity of the first-time entrepreneurs. Third, it was seen that business ability has a positive (+) effect on the financial performance. This means that the business ability, such as the entrepreneur's technical ability and marketing ability to meet the customers' needs, will eventually affect sales and operating profits of start-ups.