Estudio de factibilidad para la creación de un sistema de banca comunal y su impacto en la economía de los sectores microempresariales del cantón Mocache, provincia de Los Ríos, año 2013.

In the canton Mocache village banking is still in its genesis. The microenterprise sector is the main target of this initiative will stimulate the development and growth of the economy of microentrepreneurs. The objectives of village banking are oriented to the pursuit of financial self-sufficiency through obviate requirements of traditional banks, as collateral, cumbersome procedures, among others. Village banking required for operation of savings and capitalization through stock issuance and credit generation for utilizing resources that will lead you to be a self-sufficient institution. The main microenterprise activity is the sale of food, according to 37.68%, followed by 28.02% food sales and sales of clothing and footwear with 23.19%. Microenterprise growth and development today, is attributed to credit received by banks under microcredit 54.11%. The 66.18% of respondents expressed be very sure that the banking community has contributed to the economy of the microenterprise sector. The contribution of community banking with the micro economy is based on the possibility they have had to invest in their businesses, according to 49.28%, which has led them to increase their income. However in the pursuit of credit have had to pay high interest rates, the same ranging between 25.1% and 30%. This investment is a priority and necessary to the microenterprise sector Mocache canton, financial results allow to check their feasibility, because they have exceeded the recommended standards; so we have: the net present value is + 111011.24, internal rate of return 27.31%, 1.24 benefit-cost ratio and payback period on investment 6 years, 10 months.

• Автор: Wong Carriel, Lissette Maoli (author)
• Формат: bachelorThesis
• Мова: spa
• Опубліковано: 2015
• Предмети: Banca comunal; Sectores microempresariales; Economia
• Онлайн доступ: http://repositorio.uteq.edu.ec/handle/43000/2784