Creacion de una cooperativa de ahorro y credito en la ilustre municipalidad del canton ventanas provincias de los rios

The purpose of the project to create a savings and credit cooperative for the servers of the Municipality of Ventanas is to support the process of self-management of the institution's servers through the resources available to the retirement and labor fund associations. the institution. From the market study, an unsatisfied demand of 204 members was determined for the first year, varying to 214 members for the second year. Based on the unsatisfied demand, it was considered that the project will have a credit capacity for 17 monthly members, the amount of loans will be 2000 dollars per member, with an annual interest rate of 8% plus the commission, this is 12%, and a term of 12 to 24 months. This cooperative will be located in the old building of the International Bank, the process of the credit will be by means of a credit application that the applicant will present, accompanied by the respective supporting documents, both personal and their respective guarantors. Once the request is received, the Credit Council will meet and resolve according to the instructions that exist for the elect. Once the application is approved, it will pass to the management to be liquidated, this procedure will last in a maximum period of 48 hours for the beneficiary, as it is contemplated in the statutes elaborated for the operation of the savings and credit cooperative. The investment of fixed assets amounts to USD 7,145.oo, Current assets to USD 34,854.54, operating costs for the first year were USD 10,594.97, as well as revenues were USD 609,647.70, an interest rate of 12% was used. annual.

• Autor principal: Orlando Rafael, Veliz Marideuna (author)
• Format: bachelorThesis
• Publicat: 2010
• Matèries: Creacion de una cooperativa de ahorro; Credito en la ilustre municipalidad
• Accés en línia: http://repositorio.uteq.edu.ec/handle/43000/2689