Análisis del uso de estrategias financieras en las microempresas de Guayaquil

Abstract

The present research analyzes the use of financial strategies in microenterprises in Guayaquil. Three specific objectives were established for the analysis: to diagnose the most commonly used financial strategies, to identify the challenges they face, and to propose recommendations. The methodology used was mixed, including surveys and interviews. The study revealed that financial management is primarily the responsibility of the owner. To mitigate risk, they maintain financial reserves. The lack of comprehensive financial planning and the lack of knowledge in resource management are significant barriers. They rely on internal financing and lack skills in key areas. It is recommended to implement financial training programs, adopt accounting management software, and diversify financing sources.