Plan de negocios financiero para servicios nuevos y existentes en la Cooperativa de Ahorro y Crédito Minga Limitada, de la ciudad Riobamba; en el período 2012

Abstract

The current thesis refers itself to a Financial Business Plan at the “Cooperativa de Ahorro y Crèdito Minga Limitada”, to strengthen the present-day financial planning, to optimize resources and to position it competitively in the cooperative market system. The “Cooperativa de Ahorro y Crèdito Minga Limitada” at the present time is offering the following services, as they are: Saving at sight, credit for every need, crediproductiva. However, these products are not enough in the competitive market system, for this reason, the institution needs some financial strategies to place itself on the top of the system, a goal to be achieved in a long period of time. The internal and external analysis of the cooperative was based itself on the methodology of the investigation, according to the type of study, by means of the FODA analysis and surveys aimed at the associates to know a bit more about likes, dislikes and preferences about the services the institution offers. By means of this financial analysis, it was possible to prove that the application of financial strategies is essential for the institutional development, an optimistic scenario is the strategy that the cooperative should embrace, where projections are linked to the institutional vision in order to become an important financial organization, sustainable and solid at the center of the country, of well-known prestige, confidence and credibility within the provincial and regional territory, as a result of the increase of the institutional productivity, transparent administration, a high level of technological development and application, as well as for its total assets and patrimony. The cooperative will maintain a solid net of intermediation through the financial system, assuring clients from different economic sectors, the access to credit mechanisms, and guarantee the availability of products and services according to their needs. It is suggested that the “Cooperativa de Ahorro y CrèditoMingaLimitada”, puts into practice the application of the proposed Business Plan, in such a way of increasing and expanding its financial market with new products according to the requests of the associates and future associates, getting to perceive placements in relation with the cooperative's needs, in order to improve its financial services.