Risk Management and Performance of the MIPyMES in the Commerce Sector in the State of Tlaxcala

A diagnosis is presented on how the micro, small and medium-sized companies (MSMEs) of Tlaxcala, from the commerce sector, manage business risks, a scheme of a management model is proposed of risks that help improve performance during your first 5 years of life and because of its permanence in the market, the commercial sector was chosen wholesalers and retailers because statistics indicate that it is the sector with the highest mortality rate, for which an investigation was carried out experimental cross-sectional type in order to identify the factors of risk that impact on a low performance in MSMEs and that could cause premature death. The universe of micro, small and medium enterprises dedicated to wholesale and retail trade was reviewed and registered in the National Institute of Statistics, Geography, and Informatics (INEGI) of the state of Tlaxcala, which allowed calculating the size of the sample, which was 382 companies, which had to be selected through a non-probabilistic sampling, however, thanks to the collaboration of the businessmen, the instrument was applied to 511 companies. With the IBM SPSS STATISTICS 24 software, the hypothesis test was carried out for the correlational analysis of the association between the types of risks and the performance variables related to sales growth and annual earnings and growth in the number of workers. The results allowed identifying the elements of the scheme of a risk management model.