Proyecto de factibilidad para la constitución del banco comunitario Las Peñas, en la comunidad Las Peñas, cantón Tena, provincia de Napo

Abstract

In Las Peñas Community of Tena canton, the inhabitants of the rural sector initiated their own system of financial services as a de facto entity under the name of Banco Comunitario Las Peñas, due to the lack of a financial entity close to the area to meet their financial needs. Therefore, the objective of the present investigation was to carry out a feasibility project for the constitution of the Banco Comunitario Las Peñas in Las Peñas community, Tena canton of Napo province. The methodology implemented had a mixed approach. A non-experimental design was used, in such a way that no experiment was carried out and the defined variables were not manipulated. The documentary and field study was applied in a determined period of time. The population under study were the members of the entity, so that the respective information was obtained through the methods, techniques, and instruments, of which the interview directed to the president of the community was used and the survey was applied to the members. By means of this methodology, it was possible to determine the inconsistencies of the members in accessing credit in formal institutions. In addition, the members are unaware of the regulations that currently govern the registration of Cajas Comunales (community funds) in relation to the legal, administrative, economic, financial, and social structure that allows the evaluation of the feasibility of the project for its constitution. Finally, it is concluded that the project is convenient to be executed according to the financial evaluation carried out, the NPV represents the acceptable monetary value of $2,796.46 while the IRR is 27.78%, the benefit cost is $2.97, and the recovery of the investment will be in the lapse of 2 years and 15 days.