Proyecto de factibilidad para la creación de una Caja de Ahorro y Crédito en la parroquia San Lucas del Cantón y Provincia de Loja

The research work, called Feasibility Study for the Creation of a Savings and Loan in the parish San Lucas canton and province of Loja, the project has four specific objectives such as: Market Research, Technical, Legal or organizational, Economic and Financial. First, market research, where the degree of acceptability of the Savings and Credit in the sector is determined and financial products and services that will offer developed. This study could define the potential demand in 1572 people, real demand in 1335 individuals, effective demand in 1102 people and supply 692, in which giving an unmet demand for 410 people, making it a convenient place for development of the project. As the second part, the technical study was conducted in order to determine the location of the project in its different stages as well as macro and micro location, facilities and determining the optimum size where savings achieved ideal goal and that while in the effective savings goal worth $ 115190 is obtained and finally project engineering where products and services that will offer shows, machinery and equipment that will be needed for the progress of the project was developed. Then developed is legal study - administration with the aim of indicating attached to the law of popular and solidarity economy administrative model in which committees work in tandem defined by structural, functional and 6 manuals organizational functions where It shows the functions of each of the departments. Another approach is to define the rules and regulations which are in the annexes, in another aspect the mission, vision, values, principles and objectives that the entity has indicated. On the financial economic study, the calculation of the investment is in fixed assets worth giving $ 1832.20, deferred tax assets amounting to $ 1626.64, working capital worth $ 737.24 where he achieved a total $ 4196.08 investment, on the other hand the calculation of depreciation, amortization, salaries, etc. is carried out, in terms of financing is developed through contribution certificates where a value of 20500 and compulsory savings obtained an item of 102090 being these values in turn nonrefundable, and finally the classification of fixed and variable costs is obtained to calculate the breakeven point. Finally, the financial evaluation where financial indicators is determined as cash flow as a value of $ 6592.81, 9.41% Cost of Capital, VAN $ 27486.76 IRR 47.66% was achieved develops, RBC 0.38 cents., which capital recovery will take place in 1 year 8 months 23 days and while in the sensitivity analysis with decrease in income a percentage of 25.37% is achieved and increase the 37, 56%. It presents conclusions and recommendations based on the study and proposal made to finish.

• المؤلف الرئيسي: Guaillas Guayllas, Julio Fernando (author)
• التنسيق: bachelorThesis
• اللغة: spa
• منشور في: 2016
• الموضوعات: BANCA Y FINANZA; CAJA DE AHORRO; ESTUDIO DE MERCADO; ECONÓMICO FINANCIERO
• الوصول للمادة أونلاين: http://dspace.unl.edu.ec/jspui/handle/123456789/11132