Proyecto de factibilidad para la creación de una institución financiera rural (IFR) en la parroquia Mangahurco cantón Zapotillo provincia de Loja.

The financial system in the equator has played a very important role inside the financial market and it has been a suppuration example since he/she has known how to overcome obstacles that have been presented, such it is case of the crisis that one lived in the country at the end of the decade of the ninety, a moment in which people lost the trust in the bank institutions, the saving cooperatives and credit took advantage and they offered her best services being won the trust little by little, from then on they have had a significant growth arriving to all the sectors of the economy. In the county of Loja the financial (IF) institutions are one of the reasons of the economic, social and cultural development by means of the benefit of financial services. However most of IF is established in the central places of the cities. It fits it points out that in the canton zapotillo they are scarce IF that lend their service, which don't arrive to the parishes to be remote of the cantonal head. It is important to point out that with the access to a service on the part of an IF, it will allow them to save under sure conditions and to begin a capitalization process, as well as it won't have left capitals, it is hence necessary the realization of a project of feasibility for the creation of a Financial Rural (IFR) Institution in the parish Mangahurco canton Zapotillo County of Loja, with the purpose of channeling the economic revenues that have the residents of this sector mainly in certain times of the year in season of summer where you/they carry out the sales of products like the corn and the bovine livestock. To reach that indicated they thought about the following objectives: To carry out the market study with the purpose of knowing the offer and demand for the implementation of an IFR; To make the technical study is considered the width of IFR, their specific location and the capacity of service to offer; To develop the financial study to determine the I mount of the investment, their financing, the determination of the costs, the revenues and the budgetary projection; To carry out the financial evaluation to determine the financial feasibility of the proposal. To give execution to the objectives it was used the following methods and technical of investigation: The Deductive method, for the theoretical foundation; The inductive method, to determine the likes and the inhabitants' of Mangahurco preferences for the creation of a Cooperative of Saving and Credit, it by means of the application of the survey and the interview, applied it to him in the market study; The descriptive method, to have knowledge on the Financial sector and the real situation of the market; The statistical method for the gathering, organization, presentation, analysis and interpretation of the information, supported in squares and statistical graphics. Among the techniques we have: The Observation, allowed to observe the financial processes of Saving and Credit; The interview, to people involved with the handling of the communal box of the parish; The survey, was applied the inhabitants of the Parish Mangahurco, to determine the demand conditions and financial offer. The main results of the work are: The Cooperative began toasting with 264 loans, for it is needed it an investment of 20.000.00 dollars, one will have a they GO of 89.946.62 dollars, a TIR of 48.14%, a RBC of 1.54 dollars and the project will be able to support an increment in costs of 24% and a decrease of the revenues of 17% without stopping to have utility. When culminating the development of the present investigation work you ended up determining the following conclusions. Inside the market study you could determine that the necessities of financial resources are big and to satisfy the same ones the inhabitants they should move to the cantonal head or cantons bordering like Pindal or Puyango. With regard to the competition in the parish Mangahurco was determined that it doesn't exist operating any financial institution, the box der existent saving has not been able to consolidate and therefore it doesn't constitute a true contribution to the development of the parish. According to the financial evaluation and with the logged indicators previously is demonstrated that the proposal is viable. For the operation of the cooperative it is plated the following recommendations: That the present project is executed so that the parish Mangahurco transforms into the pioneer of forming Financial Institutions with solid bases and with technical adjusted information to the reality of the place. To promote the Cooperative appropriately among the inhabitants in order to make aware them about the importance of having a cooperative that channels their financial necessities and the contribution that he/she can give to the development of the parish. When forming the cooperative the access of the Human Resource it should be prioritized from the parish to the labor activity, it with the purpose of contributing to lower the existent unemployment and in that way to contribute to the socioeconomic development of the parish, the canton, the county and the country.

• Autor principal: FARFÁN BECERRA, ELSA MERCEDES (author)
• Formato: bachelorThesis
• Idioma: spa
• Publicado em: 2012
• Assuntos: INGENIERIA COMERCIAL; PROYECTO DE FACTIBILIDAD; CREACIÓN; INSTITUCIÓN FINANCIERA RURAL
• Acesso em linha: http://dspace.unl.edu.ec/jspui/handle/123456789/20488