Estudio de factibilidad para la apertura de la agencia de la cooperativa de ahorro Minga Ltda. en el cantón Pallatanga, provincia de Chimborazo.

Abstract

The Cooperativa de Ahorro y Crédito Minga Ltda located in the Pallatanga canton, province of Chimborazo, lacks of an agency that provides its financial services, causing people from the different productive sectors of this canton to not be able to access credits with interest rates according to their needs, therefore the objective of this study was to carry out a feasibility study through a market analysis, a technical, economic and financial study in order to open a new agency. The methodology began with a market study where the unsatisfied demand for financial products and services was determined, the technical study was carried out to determine the optimal location, finally the financial study was executed to calculate the cash flow which was used for project evaluation with a mixed approach. A field study was carried out through the use of a survey to collect market information, a bibliographic-documentary information was also used.The population of study was the economically active population of the Pallatanga canton, which corresponds to 5,992 people that determined the sample. A survey was carried out on 261 people chosen randomly in a sector where the agency will be located. The financial evaluation of the project generated as financial indicators a positive Net Present Value of $190,961.02, an Internal Rate of Return of 26.77%, a Benefit/Cost Ratio of $2.53 and the Recovery Period from the fourth year. It is concluded that the project is viable for its execution, therefore, the opening of the agency of this institution will be very important to improve economic and social well-being, in addition to providing a broad portfolio of services for the community.