Planejamento financeiro como ferramenta para sustentabilidade das micro e pequenas empresas de Santa Cruz/RN

Abstract

The article analyzes how financial planning contributes to the economic sustainability of micro and small enterprises (MSEs) in Santa Cruz/RN. The research adopts a mixed-methods approach, with data collected through structured questionnaires and semi-structured interviews applied to 12 local companies. The results reveal that, although most recognize the importance of financial planning, informal practices and lack of technical training prevail. Limited use of tools such as software, absence of periodic reviews, mixing of personal and business finances, and many entrepreneurs resorting to loans due to lack of financial reserves were identified. It is concluded that strengthening financial management is essential for the sustainability of MSEs. The study recommends greater access to training, consulting, and appropriate technologies. The data obtained can support institutional support actions and public policies for the development of small businesses in the region.