Estudio de Factibilidad para la creación de una Agencia de la Cooperativa de Ahorro y Crédito “Catamayo Ltda.” en la parroquia El Tambo del Cantón Catamayo, Provincia de Loja

This thesis project involves the development of a feasibility study for the creation of an Agency of the credit union "Catamayo Ltda.", in the parish El Tambo, in order to cover the existing unmet demand in this parish. The objectives were designed. As this project a feasibility study on the creation of an Agency "COAC Catamayo Ltda." Addressed to the parish El Tambo, specifically the economically active population, which is 2572 inhabitants of which a sample was taken giving as a result 334 people surveyed, it is essential to know the main objective of this project which is pursued. Determine the feasibility for the creation of an Agency of the credit union in the parish El Tambo, with the good service characteristics; the services of this institution will be directed to the parish and will feature products and financial services. In regard to the methodology referred to both methods and techniques, of which the scientific, inductive, deductive, analytical and descriptive method were used and between techniques have observation, the survey also determined the population and sample for the inhabitants of the parish of El Tambo. In the market study it was determined that 89.52% of the study population agrees with the creation of the Agency, an effective demand for 1910 inhabitants, to which we project it with the 0.44% that is the growth rate of the Economically Active Population of the parish El Tambo, resulting in 1944 people last year for the life of the project; the same waiting to be covered entirely by the new agency. the necessary marketing strategies, which contains price, monetary value is canceled by the purchase of a product or providing a service, product, was established is anything that offers the target market to which the project is directed; square, the environment in which goods, services and ideas are exchanged; promotion, communication activity carried out by the institution to inform your target market about the existence of their products and services; which it is done through the brochures, flyers; he is also effected by radio advertising aimed at the population of the parish El Tambo, the same that will be done directly between the producer and the consumer. Technical Study was developed, take into account the research conducted at the Market Study, in order to find the optimum size of the Agency is 56m², which will be used for adaptation and implementation, it will be distributed in primary activities are; Customer Service, in this case to be an agency that provides a range of services, took into account the unmet demand; for year one is 1910 people, with an optimal percentage of 63% of capacity used for year five an unmet 1944 inhabitants demand, which will be covered in full capacity utilization is 100 was determined %. The Agency will be located in the center of the parish of El Tambo. And the services that the cooperative offer was determined, which is to provide, opening savings accounts, deposits and loans. The Administrative Study, structural and functional organization is determined, the Agency shall, adding to its legal basis, philosophical basis and their specific functions as an institution, the organization of the cooperative which is led by a Head of Agency was structured who rules as the other main units of the Agency, Cashier, Accountant and Guard command. In the Financial Study the initial investment is $289979,34; Fixed Assets, Deferred and Working Capital, value that will be covered entirely by the Parent Company is detailed. The costs in this project are given in: cancellation of interest on sight savings and time deposits: operating expenses are depreciation, wages and salaries, rental of premises, office supplies and basic services and Expenses Sales. It can also be concluded that the financial assessment yielded satisfactory results, since according to the analyzes carried out and from a financial point of view the creation of the Agency for the credit union is feasible "Catamayo Ltda." in the Parish El Tambo. For this reason and based on the results of the project analysis we recommend the creation of the Agency of the credit union "Catamayo Ltda.", Making essential the benefits it will offer to its members.

• Autor principal: Gamboa Mancheno., Jorge Luis (author)
• Format: bachelorThesis
• Idioma: spa
• Publicat: 2016
• Matèries: BANCA Y FINANZAS; ESTUDIO DE FACTIBILIDAD; ESTUDIO DE FACTIBILIDAD PARA LA CREACIÒN DE UNA AGENCIA DE LA COOPERATIVA DE AHORRO Y CRÈDITO "CATAMAYO LTDA."; PROVINCIA DE LOJA
• Accés en línia: http://dspace.unl.edu.ec/jspui/handle/123456789/17569