Plan de negocios para la Cooperativa de Ahorro y Crédito Lucha Campesina Ltda., del cantón Cumandá, provincia de Chimborazo.

Abstract

This research has as its objective a business plan for the Credit Union Lucha Campesina Ltda., of the Cumanda County, in the province of Chimborazo, where it is sought to determine the feasibility of a retail microloan, applying techniques such as surveys and direct observation based on a field study. In order to collect information, surveys were conducted to current clients, potential clients and employees of the cooperative, and the application of an RMG to the general manager. In the proposal, a market study of supply and demand was carried out, determining the unmet demand of retail microloans to merchants. The financial study allowed us to establish the viability and profitability of the project, where the investment of the capital was determined, projecting the income statement and cash flows that would achieve an IRR of 37.60%, and an NPV of $192,501.66, the recovery time of the investment being 2 years, 3 months and 18 days. Implementing the business plan for retail microloans for merchants in the Cumanda County is feasible due to the positive results that have been obtained. It is recommended to carry out constant market studies to comprehend the needs of customers and to be able to adapt attractive financial products, obtaining a greater appeal of the prospective demand to expand the service in other cities where the cooperative is located.