Estudio de factibilidad para la implementación de una caja de ahorro para los adjudicatarios del mercado centro comercial de la ciudad de Loja

The purpose of this thesis is to provide a proposal for the implementation of a savings account in the Mercado Comercial Market, which will help to solve the savings and credit problems that each person has, allowing them to improve their lifestyle, why four studies are carried out, such as market, technical, administrative-legal and economic-financial studies, considering that a savings account does not seek profitability, but providing a good service to its members. For the development of the thesis work the methods to used are: inductive, deductive, analytical and statistical, in addition techniques to be applied are direct observation, survey and bibliographic collection, which allowed to obtain clear and truthful information. To comply with the first objective that is the market study, we proceeded to apply the survey in order to know their interest and the degree of acceptance that the savings bank will have. Allowing this to determine who are the people interested in the implementation of the account; as the services that will be provided are savings and credit where the active and passive interest rate will be fixed according to the benchmarks of the Central Bank of Ecuador, always considering the social purpose. In the second objective which is the technical study, the location, size and other elements that are required for the installation and operation of the account were determined; The location was also established, which will be on the second floor of the Mercado Centro Comercial Market on November 18th between Rocafuerte and August 10th. In the third objective that is the administrative - legal study indicates the organization of the account, for which manuals and statutes were established that indicate the functions and responsibilities that each staff of the institution will have. In the fourth objective, which is the economic-financial study, the initial investment that will be necessary to start the project was considered; for this, the set, deferred asset, working capital and the initial credit fund that are indispensable for the execution of the cash register were taken 5 into account. On the other hand, the financing will be given directly by the initial contribution, mandatory savings and the savings in sight that each of the partners will give. In addition, the financial evaluation was carried out where the viability of the project is confirmed through the application of indicators such as: the Net Present Value, the Internal Rate of Return, the Benefit-Cost Ratio, the Period of Capital Recovery and the Sensitivity Analysis, demonstrating with this the feasibility of the project.

• 主要作者: González Quinche, Dayana Guissella (author)
• 格式: bachelorThesis
• 语言: spa
• 出版: 2018
• 主题: BANCA Y FINANZAS; CAJA DE AHORRO; MERCADO
• 在线阅读: http://dspace.unl.edu.ec/jspui/handle/123456789/21015