Matemática Financeira e sua contribuição para o sucesso do microempreendedor individual no mercado atual

Abstract

This study analyzes the importance of financial mathematics and its contribution to the success of the individual microentrepreneur in the current market, highlighting how mastering elementary concepts significantly contributes to the organization and sustainability of small businesses. The research, qualitative and bibliographic in nature, is based on case studies and current theoretical references, aiming to investigate how MEIs apply, understand, and use financial tools in their business routines. The methodology involved the analysis of scientific publications from 2020 to 2024, enabling a critical synthesis of the factors that influence the financial management of these entrepreneurs. The results reveal that most MEIs start their businesses out of necessity and without formal preparation, which makes them vulnerable to economic instability. The lack of formal financial education and unfamiliarity with concepts such as cash flow, working capital, and inventory control are frequently cited as causes of early business failure. The research also highlights the need for public policies aimed at the continuous training of MEIs, promoting a management culture based on knowledge, discipline, and organization