Propuesta de implementación para la creación de una caja de ahorro y crédito en la cooperativa de taxis Carigan de la ciudad de Loja

The purpose of this research was to design a proposal for the creation of a savings and loan institution. The proposal was designed for the Radio Taxi Carigan Cooperative in the city of Loja to solve the problem of lack of financing for small entrepreneurs. The operational, administrative and legal requirements are shown in detail in the different phases where it was evident that the proposal is feasible to initiate. Furthermore, the objectives proposed at the beginning of the research were fully achieved. In the methodological part of the research, several instruments of scientific application were used. Among them, bibliographic collection forms, a survey, a structured interview and a focus group. The institution will have the legal status of Caja de Ahorro y Crédito de la Cooperativa de Taxis Carigán. In the market study, the unsatisfied demand is 48 members. In the technical study, the utilized savings capacity was USD 55,585.92 and in the credit study, the utilized annual savings capacity was USD 151,379. The financial study determined fixed assets, deferred assets and working capital. The profit and loss statement showed a total income of USD 20,852.21 and a net profit of USD 4,031.41 in the first year of operations. In the financial evaluation, positive NPV with 578,388.26; IRR of 40.38% and in the cost-benefit ratio, a profit of 1.16. In conclusion, there are favorable conditions that make it possible to maintain a monthly savings contribution and provide loans at low interest rates.

• Egile nagusia: Vicente Montaño, Miriam Isabel (author)
• Formatua: bachelorThesis
• Hizkuntza: spa
• Argitaratua: 2022
• Gaiak: <BANCA Y FINAZAS>; <CAJA DE AHORRO>; <SISTEMA FINANCIERO>; <SECTOR FINANCIERO PUBLICO>
• Sarrera elektronikoa: https://dspace.unl.edu.ec/jspui/handle/123456789/24740