Desarrollo de productos micro financieros para la Cooperativa de Ahorro y Crédito “Banco Proindio Americano Ltda.” ciudad de Riobamba, provincia de Chimborazo 2013

Abstract

The present research is aimed at managing and implementing the cooperative financial system, through diversification of the current supply of micro-financial products by the Saving and Credit Cooperative “Banco Proindio Americano” to the economic sector Riobamba, in order to provide a better service to the population, thus achieving institutional goals and objectives. The research was conducted as follows: held an internal and external situational analysis, in order to detect the strengths, weaknesses, opportunities and threats that the project will have time of its management. A market study was formulated through surveys of the economically active population of Riobamba city, to establish an appropriate forecasting related to needs of micro financial products currently present and thus establish new supply of the institution. The proposed development of micro financial product was designed; a financial study of the major sources of income, expenses, and financial indicators analysis was performed, concluding that the project is feasible. Note that the preparation of this work was carried out with the support of the directors of the institution, and contacts access to the information needed in order to make the decision to embark on the project, a decision based on the study of market that proved to be feasible.