Proyecto de factibilidad para la apertura de una agencia de la Cooperativa de Ahorro y Crédito COOPAC-AUSTRO Ltda., en la provincia de Morona Santiago, en la ciudad de Macas

Abstract

The present research work entitled "Feasibility Project for the Opening of an Agency of the Cooperative of Savings and Credit" COOPAC-AUSTRO "Ltda.", Was carried out in the city of Macas, Province of Morona Santiago, to determine the feasibility of Opening of an agency on stretchers. In order to carry out the research, a strategic diagnosis was initiated, which allowed to know the current situation of the cooperative and as it affects factors of the macro and microenvironment, a market study was continued, in which competition, strategies Market and based on historical data, both the supply and demand of credits were projected, in order to determine the unsatisfied demand, and according to the possibilities and policies of the cooperative to cover it. In the technical study, the micro-location for the new agency of the cooperative was determined, based on criteria such as cost, access roads and basic services, establishing it in the Soasty streets between August 10 and Tarqui, and the most appropriate organizational structure For the agency, both in its structure and in its functionality, describing all the functions that the staff will have to fulfill and the requirements of the post, finally described the engineering of the credit granting process through flowchart and in the form of narrative . Through the financial study, it was possible to determine that this project is feasible as shown by financial evaluation indicators such as net present value (NPV) amounting to $ 11,913.86, internal rate of return (TIR) ​​38.16%, Cost benefit ratio 1.85 and the recovery period which is 2 years 3 months. It is recommended to start the feasibility project considering that the evaluation of the same showed positive results that will contribute to the strengthening of the institutional image of the cooperative, by attending to a larger market, in addition to generating greater economic benefits.