Estudio de Factibilidad para la creación de un Banco Comunal para comerciantes minoristas del mercado Pequeño Productor de la Ciudad de Loja

For the development of the research work, the general objective was to determine the "feasibility for the creation of a communal bank for retailers in the small producer market of Loja", in order to promote economic development and improve the standard of living of Traders living in this sector for which four specific objectives have been set out the same ones that were used in each of the market, technical, administrative and economic financial studies. Firstly, a market study was carried out to determine the degree of acceptability of the Communal Bank in the sector and the financial products and services it will offer to its respective partners. Likewise, the actual and actual potential demand was determined. which makes it a suitable place for the development of the project. The second objective was to determine by means of a technical study the location, size and other elements required for the installation and adaptation of the operation of the communal bank, establishing the location of the bank the same that will be located in the neighborhood Pitas where the market is located, the same that will benefit the merchants, as well as established 100% of capacity used in relation to the installed capacity this because of a limited number of partners and the amount of savings. The third objective is to carry out the administrative study and the legal structure for the implementation of the project, complying with the regulations and norms that are stipulated in the Law of Popular and Solidarity Economy for the creation of communal banks. In the organizational structure of the "Small Producer" Communal Bank, which indicates each of the hierarchical levels and responsibilities of the workforce, an administrative manual was designed to indicate each of the activities that must be fulfilled for the Efficient functioning of the entity. With the accomplishment of the economic and financial study, the fourth objective was determined in which the total amount of the initial investment for the creation of the Communal Bank, both fixed assets, financial indicators as net present value the same that gave us a positive value and means that the project is feasible, the internal rate of return of the project is higher than the market interest rate which is favorable For investors since they will have a greater profit, the cost benefit ratio which indicates. As for the capital recovery, it was possible to know that the investment will be recovered in three years, two months and twenty nine days, these results will allow the feasibility of the project and it is possible to execute and also the sensitivity analyzes are positive indicating that The

• Main Author: Patiño Salinas, Jenny Patricia (author)
• Format: bachelorThesis
• Language: spa
• Published: 2017
• Subjects: BANCA Y FINANZAS; BANCO COMUNAL; COMERCIANTES MINORISTAS; PEQUEÑO PRODUCTOR
• Online Access: http://dspace.unl.edu.ec/jspui/handle/123456789/18594