Educación Financiera para los Microempresarios del Municipio del Cerrito en Santander

Abstract

The purpose of this research was to promote financial education in microentrepreneurs in the municipality of Cerrito, Santander, through strategies that help with effective economic decision making. For this purpose, an investigation with a quantitative-descriptive approach was contemplated, oriented to know through the survey and the interview, the microfinance needs of the participating population, to later select the best strategy, in order to strengthen the administrative and financial scenario of each of the businesses, contributing to continuous growth and permanence in the market. The research included the participation of 94 Cerritan microentrepreneurs. To carry out the fulfillment of the proposed objective, a methodology based on three sequential and dependent phases was proposed: conceptual, methodological and empirical, which through various activities allowed us to respond to the initial hypothesis. Among the most results, a population was found that does not have sufficient financial knowledge and that presents difficulties in accessing bank credits. This has led them to maintain their companies in the market through their own economic resources and manage their finances empirically. Given the lack of financial education, microentrepreneurs consider it necessary to receive information on the subject and thus be able to promote the development of their ventures, apart from generating business and cultural strengthening in the area. Therefore, a booklet called "The path to a profitable business: Pedagogical proposal for the proper management of finances" was designed, seeking to strengthen the financial education needs of micro-entrepreneurs in the municipality of Cerrito - Santander.