LIQUIDITY MANAGEMENT METHODS IN SMALL RETAIL ENTERPRISES

This article examines liquidity management (LM) methods applicable to small retail businesses, which often face limited financial resources and a high dependency on external economic factors. The study explores approaches to maintaining liquidity in the short, medium, and long term, including cash flow management, inventory optimization, and accounts receivable control. Successful case studies from companies illustrate how effective LM enables small businesses (SB) to minimize financial risks and enhance resilience under conditions of unstable demand. Special attention is paid to the application of digital tools for cash flow forecasting and financial operations management, which significantly improve business flexibility and adaptability.