Proyecto de factibilidad para la creación de una caja de ahorro en la parroquia San Miguel, provincia de Bolívar, año 2023

Abstract

The traditional financial institutions of the San Miguel de Bolívar parish have little interest in granting loans to inhabitants dedicated to agriculture, livestock and commerce, this precisely due to the great risk they represent and the few payment guarantees they offer, these groups being the most excluded by society, therefore the objective of this work was to develop a feasibility project that justifies the creation of a Savings Bank in the parish of San Miguel, Bolívar province, year 2023, to promote financial inclusion and boost the economy. local. The methodology that was applied had a mixed qualitative and quantitative approach with a non-experimental cross-sectional design because the study variables were not manipulated and were carried out within the stipulated time; The proposed topic has never been studied, so an exploratory investigation was used with the help of methods, techniques and instruments, a survey and interview were proposed, as well as complementary studies and financial evaluation to know the viability and feasibility of the project. With the application of this methodology, it was possible to identify the presence of an unsatisfied demand in savings and credit. Through the interview, the mayor's full support for this type of social projects was obtained. The studies carried out demonstrated the feasibility and profitability of the project. In this context, it is concluded that in the parish the inhabitants of the agricultural and commercial sector are excluded from the financial system, which prevents them from obtaining legal financing to start their activities. This is how a project is proposed to create a savings bank that satisfies those needs in the locality.