The Influence of Administrative Governance on the Resilience of Small and Medium-sized Enterprises (SMEs): A Case Study in the Insurance Brokerage Sector

Abstract

This article investigates the direct correlation between the implementation of administrative governance practices and the increase in organizational resilience in Small and Medium-sized Enterprises (SMEs). Using the insurance brokerage sector as a case study – a market characterized by high volatility and risk intermediation – we analyze how robust administrative routines transcend mere operationality. The research stems from the problem that the literature on corporate governance excessively focuses on large corporations, neglecting the structures of SMEs, where governance is often exercised intuitively by administrative management. The objective is to demonstrate that activities such as rigorous control of accounts payable and receivable, commission management, cash control, and document logistics, when structured, function as micro-scale governance mechanisms. These practices generate transparency, predictability, and control, essential elements for resilience in crisis scenarios. It is concluded that the professionalization of administrative management, even in small companies, is a determining strategic factor for long-term survival and sustainability.