Proyecto de factibilidad para la creación de una caja de ahorro y crédito en la comunidad de Ainche, cantón Chambo, provincia de Chimborazo

Abstract

The present feasibility study for the creation of a savings and credit institution in the community of Ainche, Chambo canton, Chimborazo province, is based on the inconveniences that exist in the sector, related to the lack of incentives for microentrepreneur credit and the lack of solidity of a cooperative that participates responsibly and reliably in the collection and credit of money. The objective is to measure the feasibility in the creation of the savings and credit bank, considering a market, technical and financial study that makes the project viable. The methodologies applied are exploratory and descriptive, the approach is qualitative and quantitative, instruments such as observation, interviews, and surveys are used. The results achieved allowed us to know what the expectations of citizens in the implementation of a savings and credit bank in the community of Ainche are, which guarantees immediate credits and reliability in savings. In conclusion, the study carried out guarantees the success of the cooperative and at the same time the commercialization of the different most relevant products within the national financial system.