A influência da educação financeira nas decisões administrativas: um estudo com pequenos e médios empreendedores do shopping da cidade de Teresina

Abstract

This research analyzes the influence of financial education on administrative decision-making among micro and small entrepreneurs at the Shopping da Cidade in Teresina, emphasizing its importance for organizational sustainability and performance. The central problem lies in understanding how financial knowledge impacts managerial practices and the efficiency of local businesses. The general objective is to investigate the relationship between financial education and the quality of administrative decisions, considering aspects of planning, control, and the rational use of resources. Methodologically, it is a descriptive study with a qualitative approach, conducted with 20 entrepreneurs from different sectors, through a questionnaire and semi-structured interviews. The results revealed that, although most managers possess practical experience, there are conceptual gaps in financial management that compromise control and predictability. It was also found that financial training is directly associated with greater organization, autonomy, and decision-making security, strengthening the competitiveness and sustainability of small businesses. It is concluded that investing in financial education represents a strategic path to improving management, promoting economic stability, and fostering local development, especially among entrepreneurs operating in contexts of high economic vulnerability.