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Purpose: This study investigates how personal financial situations influence the financial, logistical, and distribution-related decisions of microentrepreneurs in an emerging economy. It highlights personal finance knowledge as a strategic competency in managing supply chain flows, retail logistics, and channel coordination. By integrating financial literacy with distribution management, the study contributes to distribution science by demonstrating how micro-level financial competence enhances supply chain efficiency, retail logistics, and overall channel performance among small business owners. Research design, data, and methodology: A quantitative quasi-experimental design was applied to 197 microentrepreneurs in Huaraz, Peru, divided evenly into experimental and control groups. Data were collected through a structured questionnaire addressing operational, investment, financing, and distribution decision dimensions. The instrument showed strong reliability (Cronbach’s α = 0.948). The Mann–Whitney U test compared pre- and post-intervention results between groups. Results: Findings revealed significant improvements in both financial and distribution-related decision-making following personal finance training. Pretest and post-test U values of 4562.5 and 64.5 (p = 0.00) indicated a strong positive effect of financial education on decision quality, inventory control, and supplier coordination. Conclusions: Personal finance knowledge enhances microentrepreneurs’ ability to integrate financial discipline with distribution management, promoting efficient procurement, inventory turnover, and supplier payment planning, thus strengthening competitiveness and sustainability within local distribution networks.

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기사명 저자명 페이지 원문 목차
Does supply chain innovation and application pilots policy enhance China’s urban trade resilience : evidence from China Tianqi Yu, Yibei Zhang, Jingtian Yang, Xiaoyu Yao p. 1-16
Personal finance literacy and its influence on microenterprise supply chain and distribution decisions in an emerging economy Rosario Huerta Soto, Manuel Enrique Chenet Zuta, Karina del Pilar Beltran Castillo, Richard Callan Bacilio p. 17-26
(The) determinants of cross-border E-commerce adoption in SMEs : a resource-based view Fangyuan Peng, Yusmani Mohd Yusoff, Hooi Sin Soo p. 27-38
Developing digital distribution strategy framework for SMEs : integrating E-commerce, marketing, and logistics Anjani Kumar, Ashish Ranjan Sinha, Prabhat Kumar p. 39-53
(The) impact of service marketing mix, digital transformation and logistics on customer satisfaction and competitive advantage in live streaming E-commerce strategy Weichao Qiu, Chonlavit Sutunyarak p. 55-69
Distribution equity in tourist shopping zones : impacts on local economic participation and visitor perceptions Dwiyono Rudi Susanto, Amin Kiswantoro, Supina Supina, Nur Rohman p. 71-79
Applying the combination of AHP and WPM methods to prioritize pharmaceutical distribution channel selection Khoat Tran Van, Anh Tuan Nguyen, Vo Van Tuyen p. 81-90
Digital skills in the AI age : a comparative perspective from construction, manufacturing, and information technology Thi Thanh Van Nguyen, Thi Thanh Thuy Nguyen p. 91-104
What factors influence consumer behavior for food delivery apps as a distribution channel? Hwa-Yeol Choi, Hyuk-Jin Lee p. 105-123
Distribution and supply chain perspectives on mental health social workers’ roles in post-disaster recovery in South Korea Yun-Kyung Kang p. 125-134
Supply chain integration in long-term elderly care : strategies for quality distribution, efficiency, and accessibility Hee-Lan An p. 135-142

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