{"id":1487,"date":"2025-02-04T14:39:14","date_gmt":"2025-02-04T14:39:14","guid":{"rendered":"http:\/\/comingsoon.com.ar\/mayma\/?p=1487"},"modified":"2025-02-12T10:48:24","modified_gmt":"2025-02-12T10:48:24","slug":"empoderamiento-financiero-para-pymes","status":"publish","type":"post","link":"https:\/\/mayma.org\/en\/empoderamiento-financiero-para-pymes\/","title":{"rendered":"Financial Empowerment for Small and Medium Enterprises"},"content":{"rendered":"
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Financial Empowerment for Small and Medium Enterprises<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The financial health of a company is a direct reflection of its ability to grow and remain sustainable. However, seven out of ten SMEs lack financial visibility, limiting their ability to act and leaving them vulnerable to unexpected challenges.<\/p>\n

To understand how to strengthen financial management and turn challenges into opportunities, we spoke with Juan Sicardi, a finance expert passionate about empowering companies through knowledge and planning.<\/p>\n

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Meet Juan Sicardi<\/strong><\/h3>\n

Juan Sicardi holds a degree in Economics from the University of Buenos Aires, a Master\u2019s in Corporate Finance from Universidad Di Tella, and a specialization in finance from the University of Texas.<\/p>\n

As co-founder of Mayma, he has held key roles at Argentina\u2019s National SME Secretariat and served as a planning and finance manager in various companies. His professional journey has given him first-hand insight into the challenges SMEs face and how to develop strategies that lead to stability and growth.<\/p>\n

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Financial Challenges for SMEs<\/strong><\/h3>\n

According to Juan, many businesses focus heavily on improving their products and attracting customers, but overlook financial management.<\/p>\n

 \u201cThey settle for having some numbers\u2014maybe an Excel sheet\u2014but neglect detailed analysis,\u201d he explains.<\/p>\n

It is essential to know your profit margins, identify profitable and unprofitable clients, and measure the financial performance of each business unit.<\/p>\n

One of the biggest challenges is surpassing the breakeven point.\n\u201cIt\u2019s normal to experience losses in the early stages, but it\u2019s crucial to turn the business into a profitable model that generates cash flow,\u201d Juan emphasizes.<\/p>\n

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Key Elements of Good Financial Management<\/strong><\/h3>\n

For Juan, managing a company\u2019s finances is like driving a vehicle\u2014you need a dashboard to monitor key indicators.<\/p>\n

\u2705Budgets and Projections:<\/strong> A 12-month financial plan helps anticipate difficulties and make strategic decisions.
\n\u2705Information Systems:<\/strong> Knowing the profitability of each product and sales channel helps focus efforts where value is created.
\n\u2705Data-Driven Decisions:<\/strong> Avoid relying on intuition\u2014strategies based on solid information reduce risks and optimize resources.
\n\u2705Monthly Financial Meetings:<\/strong> Reviewing the previous month\u2019s results helps assess whether the business is on the right track.<\/p>\n

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Professionalizing SME Financial Management<\/strong><\/h3>\n

Business growth requires evolving how finances are managed.<\/p>\n

\u201cMany SMEs start with basic methods like notebooks or Excel. As the business grows, it becomes essential to implement an accounting system and eventually hire a professional finance manager,\u201d says Juan.<\/p>\n

This transition allows for more accurate information and better strategic decisions that strengthen the business.<\/p>\n

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Recommendations for Business Owners<\/strong><\/h3>\n

To improve financial management, Juan suggests three essential steps:<\/p>\n

1\ufe0f\u20e3 Have a Plan:<\/strong> Define clear objectives and project revenue and sales.
\n2\ufe0f\u20e3Maintain Accurate Information:<\/strong> Continuously evaluate progress and understand your company\u2019s real financial situation.
\n3\ufe0f\u20e3Build a Professional Team:<\/strong> The difference between a financially solid business and one at risk lies in having experts to guide decision-making.<\/p>


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An efficient financial management system is key to the growth and sustainability of SMEs. With the right tools and a data-driven approach, challenges can be transformed into opportunities.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\tLinkedin<\/span>\n\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\tInstagram<\/span>\n\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

Empoderamiento financiero para PYMEs La salud financiera de una empresa es un reflejo directo de su capacidad de crecimiento y sostenibilidad. Sin embargo, siete de cada diez PYMEs carecen de visibilidad financiera, lo que limita sus opciones de acci\u00f3n y las deja vulnerables ante imprevistos. Para entender c\u00f3mo fortalecer la gesti\u00f3n financiera y transformar desaf\u00edos […]<\/p>","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[13],"class_list":["post-1487","post","type-post","status-publish","format-standard","hentry","category-sin-categoria","tag-pymes"],"_links":{"self":[{"href":"https:\/\/mayma.org\/en\/wp-json\/wp\/v2\/posts\/1487","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mayma.org\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mayma.org\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mayma.org\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/mayma.org\/en\/wp-json\/wp\/v2\/comments?post=1487"}],"version-history":[{"count":10,"href":"https:\/\/mayma.org\/en\/wp-json\/wp\/v2\/posts\/1487\/revisions"}],"predecessor-version":[{"id":2048,"href":"https:\/\/mayma.org\/en\/wp-json\/wp\/v2\/posts\/1487\/revisions\/2048"}],"wp:attachment":[{"href":"https:\/\/mayma.org\/en\/wp-json\/wp\/v2\/media?parent=1487"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mayma.org\/en\/wp-json\/wp\/v2\/categories?post=1487"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mayma.org\/en\/wp-json\/wp\/v2\/tags?post=1487"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}