Big five Model uses in Entrepreneurship.

In financial management, leverage refers to the use of borrowed funds to amplify potential returns on investment. By using debt, companies can increase their asset base and, ideally, their profitability. The basic idea is that if the return on the investment exceeds the cost of the debt, the company will benefit from the difference.

There are two main types of leverage: financial leverage and operational leverage. Financial leverage involves using borrowed money, while operational leverage relates to the use of fixed costs in a company's operations to magnify changes in sales into larger changes in operating income.

While leverage can enhance returns, it also increases risk. High leverage means a company must meet debt obligations regardless of its financial performance, which can lead to financial distress if not managed carefully. Therefore, finding the right balance is crucial for optimizing returns while maintaining financial stability.

1. Entrepreneurship Development. PERSONALITY MODEL

2. Personality Personality  refers to individual differences in characteristic patterns of thinking, feeling and behaving . The sum total of ways in which an individual reacts to and interacts with others .

3. Models to measure personality The Myers-Briggs type indicator The Big Five personality model

4. The Big Five personality model The Big Five personality dimensions provide a very broad overview of someone’s personality. Personality psychologists are interested in what differentiates one person from another and why we behave the way that we do.

5. History of BFM The Big Five was originally derived in 1970. Asking thousands of people hundreds of questions and then analyzing the data. In scientific circles, the Big Five is now the most widely accepted Using Big Five to study personality in terms of how it changes over time and how it relates to other variables.

6. The Big Five personality model Personality is usually broken into components called the  Big Five , which are  Openness to experience Conscientiousness Agreeableness Extroversion Neuroticism  (or emotionality)

7. Openness to experience It is one of the "Big Five" personality factors which means being creative and open to new ideas. This factor indicates how open mind a person is. They have creative thinking and have Flexible attitude.

8. Characteristics of Openness High in openness Having unusual ideas and art Imaginative Creative Curious Daring and take risk Open to new and different ideas Flexible Attitude lower in openness Conventional Enjoy having routines less creative less curious Down to earth No flexibility

9. Sub traits of the openness Imagination Artistic interests Emotionality Intellect Liberalism Adventurousness

10. Conscientiousness Conscientiousness is used to describe the degree to which person is organized, how discipline he or she is and can also describe how careful a person is in certain situation.

11. Characteristics of Conscientiousness High level of conscientiousness: Hard working Deliberated (long & careful consideration) Neat and systematic Perfectionists Highly dependable Low level of Conscientiousness: Less goal oriented Antisocial Criminal behavior Not very dependable

12. Sub traits of the conscientiousness Self efficacy Orderliness Dutifulness Achievement striving Self disciplined Cautiousness

13. Agreeableness A personality dimension that describe the individual’s propensity (natural tedency ). Someone with agreeableness factor is good natured cooperative and trusting.

14. Characteristics of Agreeableness Persons high in agreeableness: Warm and Helpful Friendly Put aside their own interests Cooperative and Generous Control their negative emotions Persons low in agreeableness: Suspicious Unfriendly Self centered Uncooperative Manipulate their social relations

15. Sub traits of agreeableness : Trust Straight forwardness Altruism (selfless concern for well being of others) Compliance (abiding by the rules) Modesty (being unassuming of ones ability) Tender mindedness (easily effected by criticism)

16. Extraversion Extraversion  is  defined  as a behavior where someone enjoys being around people more than being alone. An example of  extraversion  is when someone always likes to be around people and enjoys being the center of attention .

17. Characteristics of Extraversions People high in Extraversion: Highly involved in social situation Talkative Assertive (confidently and clearly expressing one's own needs) Active Energetic People low in Extraversion Less involve in social situations Quite Reserved Shy Silent

18. Sub traits of Extraversion Friendliness Gregariousness (preference for being in social settings) Assertiveness Activity level Excitement seeking cheerfulness

19. Neuroticism Neuroticism is the tendency to experience negative emotions, such as anger, anxiety, or depression. It is sometimes called emotional instability .

20. Characteristics of Neuroticism People high in Neuroticism: Anxiety Self consciousness Depression Impulsiveness Angry hostility People low in Neuroticism: Calm Even tempered Hardy Unemotional

21. Sub traits of Neuroticism Anxiety Anger Depression Self consciousness Immoderation Vulnerability

22. On average, levels of Agreeableness and Conscientiousness typically increase Extraversion, Neuroticism, and Openness tend to decrease. Development

23. Criticism

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