Proyecto de inversión para la creación de una agencia de la cooperativa de ahorro y crédito Mushuc Runa Ltda. en la ciudad de Baños provincia de Tungurahua
In the province of Tungurahua, Baños canton consists in conducting tourism activities and developed by people who have small businesses located especially in the downtown area of the city. To improve their quality of life requires financial institutions in driving economic, social and tourism develo...
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| Médium: | bachelorThesis |
| Jazyk: | spa |
| Vydáno: |
2015
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| Témata: | |
| On-line přístup: | http://dspace.unl.edu.ec/jspui/handle/123456789/8427 |
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Přidat tag | Shrnutí: | In the province of Tungurahua, Baños canton consists in conducting tourism activities and developed by people who have small businesses located especially in the downtown area of the city. To improve their quality of life requires financial institutions in driving economic, social and tourism development; Despite this, the requirements for applying for a loan guarantees to constitute the main obstacle or not creditworthy. So it was raised as General Purpose, determine the investment project for the creation of an Agency of the Cooperative Savings and Credit Mushuc Runa Ltda, in the city of Baños Tungurahua Province.; based on four main parts which are: Market Research, Technical Study, Organizational and Management Study, Finance and Financial Evaluation Study. To develop the proposed research surveyed 386 people economically active was applied, to meet the tastes and preferences about financial products and services to offer, and a survey of managers of the 4 Credit Unions and 4 Managers existing banks in the canton Baths, providing similar services. To achieve the objectives of inductive, deductive, analytical methods were used - synthetic and statistical; as data collection techniques, observation, survey and interview. The results of the market study are: potential demand 11,731 people economically active real demand 11,262 people (PEA), effective demand 10,136 people (PEA); 2133 annual services offer an effective demand services 19,258 and 17,195 unmet demand for financial services for the first year was determined. We also determined the installed capacity credit is $ l.765.898,51 and the installed capacity savings is $ 310,356.00 US dollars; the new agency Cooperative Savings and Credit Mushuc Runa need an investment of $ 91,442.55 US dollars, the breakeven point for the first year was determined in $ $ 71,532.91 with an installed capacity in 31.02%; will have an NPV of $ $ 631.909,82 an IRR of 120.55%, one RBC of $ 1.77 to the project investment is recovered in 10 months and 24 days; Sensitivity analysis showed that if costs increase to 120%, and if revenues decline to 47.70%, it is determined that the project is not sensible. At the end of this research the following conclusions and recommendations are determined: Conclusions: By studying Market, Technical Study, Organizational and Management Study, Finance and Financial Evaluation Study. Determined to be viable investment project for the creation of an Agency of the Cooperative Savings and Credit Mushuc Runa Ltda., For the inhabitants of the town of Banos, Tungurahua Province, for the results obtained. Recommended: Run this investment project for the partners of the Cooperative Savings and Credit Mushuc Runa Ltda, City Baths, dispose of Financial Products and Services offered by the Cooperative, and is constituted as a Popular Financial Institution. Partnership to boost the socio economic development, Social, Cultural, Tourism and Sport. Also this been run and Controlled by the new Organic Law of the Superintendency of Popular and Solidarity Economy (SEPS). It was also recommended that this located in the Ambato and Eloy Alfaro Street, one block from the Basilica Church of Baños de Agua Santa, being a fairly busy and commercial, especially that meets the expectations proposals |
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