Proyecto de factibilidad para la creación de una caja de ahorro dirigida al sector agrícola y florícola de la parroquia Canchagua, provincia de Cotopaxi, año 2023

Abstract

The feasibility project for the creation of a Savings Bank Aimed at the agricultural and flower sector of the Canchagua parish, province of Cotopaxi, year 2023, because the flower and agricultural sector does not have a reliable institution that encourages savings and provides financing for its production. In the research, both a quantitative and qualitative methodology were used, and instruments such as surveys were applied to the inhabitants, where it was determined that there is no supportive financial entity that helps the productive sectors that help encourage savings. In addition, the inhabitants are unaware of the requirements to access funds from a savings bank because producers opt for traditional methods to obtain credits that carry a high-interest rate and also have a complex administrative process. Through the application, a market study was developed, the unsatisfied demand, location and size of the project was determined due to the technical, administrative, legal and financial study, the Net Present Value of $21,865.42 dollars was determined with an Internal Rate of Return of 39 .91% giving an interpretation of profitability and a cost-benefit of $1.94 dollars; for every dollar invested in the project. In this context, it is concluded that establishing a targeted savings bank for this sector is feasible after having analyzed the corresponding studies, the project will contribute to the development of production in the parish and acceptance by the partners