Estudio de factibilidad para la creación de una caja de ahorro para la junta administradora de agua potable y saneamiento, de San Antonio Cantón Paltas Provincia de Loja
The research work develops a proposal that contributes to the solution of the financial problems that the partners present when not being able to access easily to a credit due to their economic situations where their patrimony or their income are not accepted by certain financial institutions, denyi...
محفوظ في:
| المؤلف الرئيسي: | |
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| التنسيق: | bachelorThesis |
| اللغة: | spa |
| منشور في: |
2019
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| الموضوعات: | |
| الوصول للمادة أونلاين: | http://dspace.unl.edu.ec/jspui/handle/123456789/22256 |
| الوسوم: |
إضافة وسم
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إضافة وسم | الملخص: | The research work develops a proposal that contributes to the solution of the financial problems that the partners present when not being able to access easily to a credit due to their economic situations where their patrimony or their income are not accepted by certain financial institutions, denying them the opportunity to create enterprises where they can be generators of their own resources, improving their economy and therefore their quality of life. This is the reason why this project is being carried out, which is mainly aimed at channeling resources towards savings, as well as easy access to credit required by members to improve and increase their productive activities. The structure used in the development of this research work is established in a feasibility study as such, starting with a market study, as well as a technical, administrative-legal and finally a financial study, which allowed to evaluate the project. In the market study the population studied was 122 members, the same ones that after applying a survey allowed to identify the feasibility of the creation of the savings bank with an acceptance of 94%, two basic products are established for the savings bank, as it is the obligatory saving that the members will maintain for a value of $ 22.00; and the microcredit with amounts of up to $2 500.00; generating the 15% of interest charged for placement of the same ones, rate that is within the parameters established by the Central Bank of Ecuador. With respect to the technical study, the exact location of the box where the activities of the box will be carried out is established, providing accessibility to the members when carrying out their transactions and minimizing the expenses that these entail; the optimal size was determined, resulting from this requirement of human talent, and all that is necessary to put the savings box into operation, through a practical and simple design the distribution of the plant is determined, adapting to the needs and processes to be used for the delivery of financial products and services to the members. The administrative-legal study follows the proposal of the Law of Popular and Solidarity Economy, defines a legal organizational structure for this type of entities, in the same way was designed their respective manual of functions of each of the work areas, another approach is to define the regulations that regulate the management of the processes to be carried out in the savings bank. The financial study determines the total amount of the investment for the implementation of the savings bank with a value of $ 7,859.30; for the financing topic it is estimated that it will be covered in its totality by the initial contribution of $ 43.00 plus the obligatory saving of the first two months; in the financial evaluation, the income of the project determined that the savings bank will recover the initial investment in approximately 3 years, and will have financial indicators such as the NPV of $ 7,824.17; an IRR of 25.52% and that for each dollar invested will earn 0.48 ctvs. Finally, conclusions and recommendations are presented based on the study and proposal made so that the execution of the project can be carried out. |
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