Diseño de un plan de negocios para la Cooperativa de Ahorro y Crédito Minga Ltda, de la ciudad de Riobamba, período 2017

Abstract

The present titling project is based on the Desing of a Business Plan for the Savings and Credit Cooperative Minga Ltda., of the city of Riobamba. The Project is based on the need of the cooperative to improve its participation in the local market, through the diversification of its financial products and services, as well as the potential of the Cooperative sector to meet the demands of Popular Economy and Solidarity organizations. For this purpose, investigative instruments such as surveys and bibliographic resources were applied, which served as the basis for the development of a SWOT analysis and the corresponding strategic analysis. Subsequently, a market research survey was applied in order to characterize the supply and demand of cooperative financial services in the Canton Riobamba, for the segment of the Popular Economy and Solidarity organizations. It was determined based on this study that the COACs of segment 3 are not competitive in the local cooperative market, before which we propose the development of a business plan where the generation of two specialized products for this sector is proposed: my Savings SEPS and Credit SEPS, in addition to marketing strategies, considering the use of digital media, where the target market has access to such media. The calculation of the finantial indicators: Internal Rate of Return (IRR), Net Present Value (NPV) and Cost Benefit (CB) allowed to conclude that the project is feasible from the financial sphere.