MSMEs are of vital importance in the economic and social development of the nations of Latin America, comprise 99% of the formal Latin American companies, are the main generators of employment with 61% and contribute with 25% of the GDP of that region. Unfortunately, the average life expectancy is less than 10 years because these businesses face various problems, highlighting access to financing. The objective of this research is to determine the impact of financial inclusion on the life expectancy of MSMEs in Mexico, Colombia and Chile. An exhaustive analysis of both variables is carried out with data from reports, surveys and specialized studies. Some results indicate that the main source of financing for these companies is not the financial institutions, on the contrary, they are the resources that their owners invest and the main obstacle to not accessing external financing is the high interest rates. This research contributes to show the current conditions of MSMEs in order to design public policies that strengthen financial inclusion to improve their permanence and competitiveness in the market.

Los procesos de modernización para las administraciones públicas son un referente cuando se trata mejorar los servicios y productos que se ofrecen a la ciudadanía, de tal modo que es importante hacer un diagnóstico sobre las cuestiones que se deben mejorar al interior de las organizaciones públicas e institucionalizarlo a través de un programa o modelo de modernización.

Objectives: The objective of this research work is to know and analyze the importance of knowledge management through the main lines of research related to knowledge management and the extent to which it involves people working for the welfare of an entity. Through it, companies can create and disseminate vital information in a systematic and efficient way in order to achieve better performance in the areas of the organization and improve its competitive advantages. Contribution: If organizations leverage these resources, they will be able to implement a system of transmission and knowledge generation that allows them to improve their business processes, improve the capabilities of their employees and obtain greater Benefits. Conditions should be created that allow knowledge management and business process management to complement each other. It is recommended to map each level of the process of conception of the knowledge management project, to better understand the steps and requirements that take place in them, and also facilitate the identification of inputs, outputs, resources and controls according to company characteristics.