Construção do conhecimento financeiro no contexto da nano, micro e pequena empresa: um estudo multicaso

Abstract

This research has as purpose to comprehend how the individual, micro and small business look for ways to administrate their business in the absence or limitation of knowledge and financial literacy to manage their own business and as well how financial literacy learning improve benefits to the owners of theses enterprise. Still about the objectives, in a more specific standard, the research put forward the detection if, in truth, the financial knowledge would make some difference, in the management of those small businesses and about that try to demonstrate if the previous financial knowing would prevent, or at least, it would help on the management and finally check out the business owners attitude about financial literacy on their enterprises. The point at issue is a case study, multi case study to be more detailed with qualitative approach. To collect the data it was employed two kinds of instruments. The first one was a structured questionnaire applied with the selected owners. And second, an interview that follows the same path of the questionnaire. The data were analyzed according to the analyses technics used for questionnaires and interviews. According to the results found, the businesses demonstrated distinctive perspectives and even revealing behaviors about financial literacy. The business owners realized that their businesses would have a better result if they had more knowledge about financial literacy. However, the research also reveals that expertise was the main reason for a development of a business besides financial literacy. The life experiences made them develop a mental knowhow about each one of the financial expressions even though they really don’t know the technical meaning. Nevertheless, even though all the managers realize the relevance of the main objective that it is financial literacy, this study case cannot be generalized, because in each business reality there is a particularity in it. That’s why the technics applied would be totally different in each case.