Impact of digitization on the financial management of microenterprises in the Guano canton, Ecuador
DOI:
https://doi.org/10.61347/psa.v4i1.134Keywords:
Digitization, financial inclusion, financial management, Guano, microenterpriseAbstract
Digitalization has become a key element in strengthening the efficiency and sustainability of microenterprises; however, its application in financial management remains limited in local contexts. Within this framework, the present study aims to analyze the impact of digitalization on the financial management of microenterprises in the canton of Guano, Ecuador. The research was conducted under a quantitative approach, with a non-experimental, cross-sectional, and descriptive design. Data was collected through a survey administered to owners or managers of twenty-one (21) microenterprises, using a structured questionnaire with a five-point Likert-type scale. Data analysis was performed using descriptive statistics and correlation analysis. The results reveal a moderate level of digitalization, mainly characterized by the use of basic digital tools for communication with customers and suppliers, the recording of income and expenses, and the execution of electronic collections and payments. Regarding financial management, microenterprises exhibit a medium level of performance, with strengths in liquidity, financial planning, and compliance with obligations, and weaknesses in sustained profitability and financial evaluation through indicators. Statistical analysis confirms the existence of a significant relationship between the level of digitalization and financial management. It is concluded that digitalization has a positive but partial effect, as it mainly influences operational financial control, while its impact on strategic financial analysis processes is limited, highlighting the need to strengthen digital and financial competencies to improve the sustainability of microenterprises.
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