ESTUDIO DE FACTIBILIDAD PARA LA IMPLEMENTACIÓN DE UNA TARJETA DE DÉBITO PARA LA COOPERATIVA DE AHORRO Y CRÉDITO “CREDIAMIGO” LTDA., DE LA CIUDAD DE LOJA

This thesis entitled, "STUDY OF FEASIBILITY FOR THE IMPLEMENTATION OF A DEBIT CARD FOR THE COOPERATIVE OF SAVING AND CREDIT" CREDIAMIGO "LTDA., OF THE CITY OF LOJA", aims to provide partners with a quality financial product that Allow them to take their money safely and make the withdrawal of their savings through an ATM 24 hours a day. The project consists of four specific objectives such as: 1) Conduct a market study to determine the existing supply and demand. 2) determine the technical requirements that allow locating the facilities, equipment, resources and materials that will be made for the creation of the debit card. 3) know the legal requirements and identify the administrative structure for the operation of the debit card services. 4) develop the financial economic study and carry out its respective evaluation of the project. In order to comply with the proposed objectives, different methods and techniques applicable to each study were proposed, based on the scientific, inductive, deductive and analytical methods; techniques such as observation, survey and data analysis and the instrument that was used is sampling. In relation to the first specific objective, the market study was carried out, through the application of surveys to the members of the Cooperative to know their interest and the degree of acceptance of the debit card. With this study it was possible to determine which people are interested in acquiring the financial product. According to the second objective, the technical study was carried out, which consists in determining the macro and micro location of the project's engineering and the different capacities required for the installation and proper functioning of the ATM with its respective debit card. 5 Regarding the administrative-legal study, the structural and functional organization chart maintained by the cooperative is taken into account, as well as the implementation of a regulation to obtain the "Crediamigo" Ltda. Debit card, where essential elements are defined. Of the same; A contract is also structured, which will serve as legal backing for the cooperative itself, which will be signed at the time of delivery of the debit card to the member. In the economic-financial study, the investment necessary to start the project is considered, describing the fixed, deferred and working capital assets that are essential for the implementation of the card. It should be emphasized that the financing will be obtained directly from the cooperative. As for the financial evaluation, it confirms the viability of the thesis work through its indicators: obtaining a Net Present Value of $ 32,574.30; an Internal Rate of Return of 29.18%, Benefit Cost Ratio $ 1.93; The Capital Recovery Period will be in 3 years and finally the Sensitivity Analysis obtaining an increase in costs of 30.40% and a decrease of its income in 15.73% with a sensitivity of 0.99. Taking into account the results obtained, it is concluded that the feasibility project for the implementation of a debit card for the cooperative Crediamigo Ltda., Is economically profitable and therefore its execution is recommended.

• Hlavní autor: Agila Ramírez, Gladys Katherine (author)
• Médium: bachelorThesis
• Jazyk: spa
• Vydáno: 2018
• Témata: BANCA Y FINANZAS; TARJETA DE DÉBITO; COOPERATIVA DE AHORRO
• On-line přístup: http://dspace.unl.edu.ec/jspui/handle/123456789/20922