Prácticas de administración y su influencia en el nivel de endeudamiento de los microemprendedores en la ciudad de Ayolas-Misiones, 2024

The article titled "Management Practices and Their Influence on the Debt Levels of Microentrepreneurs in the City of Ayolas, Misiones, 2024" examines how management practices impact the indebtedness of local microentrepreneurs. The main objective of the research is to analyze how financial management practices influence entrepreneurs' ability to manage and reduce their debts. Two specific objectives were established: to identify the predominant management practices and to evaluate their impact on debt management. The research was conducted through questionnaires and interviews with microentrepreneurs, providing detailed data on their financial situation. The findings revealed that, although some key management practices, such as inventory control and financial planning, are recognized as important, they are not consistently implemented. In addition, insufficient income and unforeseen expenses were identified as the main causes of indebtedness. A lack of formal financial management tools, such as accounting software, was also observed, which hinders the efficient management of resources. The study concludes that to improve the financial situation of microentrepreneurs, it is essential to provide financial education training and improve access to adequate financing sources. This would promote more efficient business management, reduce debt levels, and strengthen long-term economic stability.