Educación financiera como estrategia para fortalecer la gestión empresarial de las MiPymes en Ecuador en el año 2025

Abstract

Abstract: This research analyzes financial education as a strategy to strengthen the business management of micro, small, and medium-sized enterprises (MSMEs) in Ecuador. The study was conducted using a qualitative approach, with a non-experimental and cross-sectional research design. Information was collected through face-to-face surveys administered to 300 MSME managers, allowing for the examination of aspects related to financial education, financial knowledge, financial behavior, financial inclusion, business capabilities, sustainability, and business performance. The results demonstrate that financial education is a relevant and important factor in strengthening business management due to its influence on decision-making, financial planning, and the ability to take advantage of growth opportunities. Likewise, challenges related to innovation, digital transformation, and business sustainability were identified. The study is structured into three chapters: the theoretical framework, the contextualization of the MSME sector, and the methodology with analysis and discussion of results. In addition, it includes the conclusions and recommendations derived from the research. It is important to emphasize that the findings provide useful information for the design of strategies aimed at strengthening MSMEs in Ecuador.