Propuesta para la creación de una Caja de Ahorro en la Asociación de Horticultura de la Ciudad de Amaluza, Cantón Espíndola, Provincia de Loja
Over the years, the economic role of savings banks has evolved considerably these organizations have become an option to improve the family economy and keep financial services available, promoting economic development and social progress of their communities. This work is aimed to the approach of a...
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| Формат: | bachelorThesis |
| Язык: | spa |
| Опубликовано: |
2016
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| Предметы: | |
| Online-ссылка: | http://dspace.unl.edu.ec/jspui/handle/123456789/17183 |
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Добавить метку | Итог: | Over the years, the economic role of savings banks has evolved considerably these organizations have become an option to improve the family economy and keep financial services available, promoting economic development and social progress of their communities. This work is aimed to the approach of a model cash savings to provide financial opportunities to its members whose primary goal is focused on promoting the channeling of resources into savings, as well as easy access to small loans that require farmers to improve and increase their production activities. For the development of research methodology applied to an investment project was used, taking into account the principle that a savings account is not seeking profitability, but sustainability and its main objective the development and improvement of the quality of life of its members , for which the common welfare to the accumulation of capital shall be reversed. As part of the review of research literature that conceptualizes each of the theoretical references that support and underpin the developed work was done. Also, the current legal framework applicable to these organizations delineated in Ecuador and different methods and techniques that enabled to fulfill the objectives was raised. Through, market research project acceptance and financial products and services offered by the company was determined; in the technical study the micro location, plant layout and other elements necessary for the installation and operation of the Savings defined. installed and used the savings and loan projected five-year life capacity is also determined. In the administrative-legal study organizational philosophy that consists of mission, vision, values, goals, business name and logo of the company was raised, then the structural organization, manual functions, manual credit and legal structure comprising was drawn up statute and rules of procedure. 5 With regard to economic and financial study, the investment required for the implementation of the savings account, the profit and loss account and cash flow was calculated. NPV, IRR, Benefit Cost Ratio and Payback Period of Investment which present favorable to the entity values: in the financial evaluation techniques as applied. Also annexes tabulating surveys, proformas, presented detailed photographs, etc. Finally, taking into account the results of studies may show that the proposed technique, administratively and financially viable, so its implementation is recommended. |
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