Financial Literacy Guide
Short modules designed for busy entrepreneurs — read, apply, improve.
Budgeting Basics
Separate personal & business money. Use a simple monthly budget. Track withdrawals.
Expense Tracking
Record every sale and every expense. Use daily logs — small entries add up.
Cash Flow
Cash Inflow – Cash Outflow = Net Cash Flow. Aim for positive weekly flows.
Inventory
Track starting stock, added stock, sold and ending stock. Set reorder alerts.
Interactive Toolkit
Use the calculators below or download ready-made templates.
Cash Flow Calculator
Profit Calculator
Key Findings (Summary)
This site is part of the thesis "The Impact of Financial Constraints on the Success of Micro-Enterprises in Daet, Camarines Norte." Use the tools and templates to address common challenges identified in the study.
- Majority operate in retail and services
- Most have capitalization < ₱100,000
- Common issues: poor record-keeping, limited capital, irregular cash flow
Downloads & Templates
All templates are editable. The Excel workbook contains separate sheets for each tracker and basic formulas for totals.
| File | Type | Action |
|---|---|---|
| Financial Workbook | Excel (.xlsx) | Download |
| Infographic (2-page) | Download (placeholder) |
Contact & Acknowledgements
Research team: (Your names here). For questions, email: example@domain.com