Planejamento financeiro e crescimento das micro e pequenas empresas: estudo aplicado no município de Pinhalzinho - SC

Abstract

Financial planning represents one of the main challenges faced by Brazilian micro and small businesses, especially in light of market competitiveness. The absence of structured financial management compromises operational control, decision-making, and business sustainability, directly affecting the business mortality rate. In this context, the objective of this research was to analyze the influence of financial planning on the growth of micro and small businesses in the municipality of Pinhalzinho, Santa Catarina. The research is characterized as applied, with a quantitative and qualitative approach and descriptive nature, and was conducted through data collection from companies in the municipality. The results revealed that, although most managers recognize the importance of financial planning, its application is still limited, occurring predominantly through simple controls. It was observed that companies that use more formal tools and regular planning routines have greater financial stability, better cash flow control, and greater capacity for investment and expansion. Among the main difficulties identified are the lack of technical training, the absence of specialized management, and the lack of information for planning implementation. It is concluded that financial planning plays a decisive role in the success and sustainability of micro and small businesses, being essential for control, forecasting results, and strategic decision-making. The study reinforces the need to encourage the professionalization of business management and access to support tools, contributing to the strengthening of local entrepreneurship and the economic development of Pinhalzinho, SC.