Estudio De Factibilidad Para La Creación De Una Tarjeta De Debito-Crédito Para La Cooperativa De Ahorro Y Crédito Camara De Comercio De Loja. Ltda., Cadecol

This research was conducted in the city of Loja , aiming at presenting a proposal to implement a debit - credit Cooperative Credit Union Chamber of Commerce in Loja. Technical study to determine the size , location and engineering project , the specific objectives are part of a study to determine market demand and existing supply to propose a legal and organizational structure ; Financial Officer conduct a study to see the feasibility of project , and finally create regulations for the operation of the credit card. The introduction is a brief analysis of business dynamics , the objectives that we have set , the structure of the research . Then in the literature review and background information that helped us to do our research work is presented . Then in the materials and methods used are presented methodology , the research methods and techniques of data collection for a research process , which for this research took into consideration the scientific method for general compliance in all stages of research , the deductive method that allowed particularize in specific aspects of the problem, the inductive method , statistical method , among others, the techniques used such as direct observation and documentary , the survey was made to partner with accounts active Cooperative Credit Union Chamber of Commerce in Loja. Regarding the results all the pictures on the results obtained in applying the techniques of data collection is presented . We present a discussion of the results , in regards to market research surveys were applied to 400 partners Cadecol of which all necessary information for our study , achieving determine product demand was collected , in terms of we offer the world offers debit and credit from financial institutions in the town , but none with the features presented in our research. Regarding the technical study delimit the size of the project was established capacity utilization , location , engineering, process description for the card. With regard to size and location, attached a map of the micro and macro location . Also indicated that the office will be located in the central part of the city and province of Loja. Investment and financing, and project evaluation with financial indicators , which determines that it is advisable to carry out the execution of the same is presented in financial study . Regarding the administrative organization , just the card office is established, also the different roles and responsibilities for the optimal performance of the designated agency . Finally on the basis of the results obtained could draw the conclusions and recommendations, which are more important issues that arise from the possible implementation of the project , as well as recommendations on the feasibility of the proposed financing and on all relevant aspects of project . The implementation of credit cards due by the credit union CADECOL requires a total investment of $ 39,351.43 of which the investors placed $ 19,351.43 (49,18 % ) and the difference $ 20,000 ( 50.82 %) , a credit will ask the National (CFN ) Finance Corporation , the interest rate of 9.75% for ten years, with semiannual payments. The NPV of the project is $ 57.944,67 the IRR of the investment is 30.09% which is higher than the opportunity cost , the RBC is $ 1.38, which means that for every dollar invested is obtained $ .38 cents profit . The project investment will be recovered in 4 years, 8 meses y 14 das. The opportunity for the project due to the opening of the customers to acquire the financial product .

• Päätekijä: Luzuriaga Encalada, Adriana Rosario (author)
• Muut tekijät: Marín Largo, Tania Elizabeth (author)
• Aineistotyyppi: bachelorThesis
• Kieli: spa
• Julkaistu: 2016
• Aiheet: ESTUDIO DE FACTIBILIDAD; CREACIÓN TARJETA DE DEBITO
• Linkit: http://dspace.unl.edu.ec/jspui/handle/123456789/13316