“Estudio de factibilidad para la apertura de una agencia de la Cooperativa de Ahorro y Crédito Mushuk Yuyay Ltda., en la ciudad de Azogues, provincia del Cañar”

Abstract

This research work focused on the elaboration of a feasibility study for the opening of an agency of Cooperativa de Ahorro y Crédito Mushuk Yuyay Ltda., in the Azogues city, Cañar province in order to determine the demand and impact of a new agency to help the development of operations through the different products and services provided by the financial institution. For the research development, the theoretical foundation that allowed the knowledge of the study variables and the main financial tools of applicability for the measurement of the correct feasibility of the project was analyzed, the applied methodology was based on a mixed approach through the collection of data through the application of surveys to the economically active population, which allowed establishing the market study with each of the phases, determining an acceptable demand, applying detailed technical processes to provide a quality service, complying with current laws and regulations, which demonstrated the viability of the project with positive results of the main indicators, with the financial evaluation an NPV of $248,286.06 was obtained, an IRR of 8% and a capital recovery period of 4.86 years. By applying the administrative study, it was possible to be clear about the guidelines under which the new COAC agency will function. For proper operation, an investment in infrastructure and equipment of $139,871.00 dollars will be required, which will be assumed 43% credit of a financial institution and 57% of the total shareholders. It is concluded that the project is feasible considering each of the phases with efficient management of the available resources, thus the execution of the project is recommended to increase the prestige in the market of the cooperative under study.