Proyecto de factibilidad para la creación de una cooperativa de ahorro y crédito para la asociación de comerciantes minoristas “25 de Agosto” del cantón Catamayo de la provincia de Loja

In the province of Loja, canton Catamayo is the Association of merchants free fairs retailers on August 25, those engaged in the commercial intermediation of Staples so it require capital every day; but they encounter many difficulties to get that capital since they have to face obstacles from local financial institutions and policies. So it was raised as a main goal, determine the feasibility of creating a savings and credit cooperative for members of the Association. To develop the research, a survey was applied to 163 members who make up the Association on August 25, to learn about tastes and preferences regarding financial products to offer. For the achievement of the proposed objectives used methods scientific, deductive, inductive, analytic and synthetic; as the literature review data collection, observation and survey techniques. The obtained results during the market survey indicate that the potential demand is 168 partners; the real demand is 109 partners; the effective demand on services of 122; the offer does not exist since it is a cooperative of saving and credit of closed type, the unsatisfied demand established is 122 financial services for the first year. The technical study was established in the installed capacity that is 122 by reference to the amount of this cooperative partners in able to serve; capacity used in savings is 114; While capacity used in loans is 109. Likewise determined the possible location, and the requirements for cooperative credit unions such as diagrams of processes, the distribution of the plant and technological resources, material and human will require, The administrative study established the legal basis for the cooperative savings and credit, statutes and regulations; the functional organizational structure with its hierarchical levels: legislative, Executive, advisory and auxiliary or support; In addition charts were conducted: structural, functional and positional and functions manuals. The economic study determined the need for an investment of $22194,32, to be financed with a contribution of 10% partners and a loan that will keep the project with the Bank of Loja 90% which corresponds to $19.974,32 4 year to 9.53% of annual interest. The point of balance for the first year was determined according to sales at $15.926,42 and the installed capacity in 25,15%. The financial evaluation presents the following results: the will of the present project gives us a positive value of 174609,61 dollars, which indicates that the project is acceptable; the IRR of the project is 152,22% being this satisfactory value for the project; the benefit/cost ratio is 4,34 dollars; the Capital recovery time is 1 year, 8 months and 1 day; for this project the sensitivity values are less than one, so it increases in costs of 221,50% and the decrease of 54,40% in revenues do not produce changes being the non-sensitive project. Once the investigation concludes that the project is feasible for the creation of cooperative savings and credit

• Main Author: Espinosa Lara, Mariana Verenice (author)
• Format: bachelorThesis
• Language: spa
• Published: 2015
• Subjects: COOPERATIVA DE AHORRO Y CRÉDITO; FACTIBILIDAD; COOPERATIVISMO; INDICADORES FINANCIEROS
• Online Access: http://dspace.unl.edu.ec/jspui/handle/123456789/8361