Applied Approach to Finance Education to Salesmen in Malambo, Atlantico

This study addresses the financial management limitations faced by independent merchants in the municipality of Malambo, Atlántico, who operate under conditions of low financial literacy, high informality, and limited access to formal financial services. These constraints negatively affect the sustainability of their businesses and restrict local economic development. Although existing literature acknowledges the relevance of financial education for the stability and growth of microenterprises, a significant gap remains regarding applied, context-based educational models tailored to populations with low schooling levels and vulnerable socioeconomic environments, particularly in regions such as the Colombian Caribbean.