Plan financiero para nuevos productos y servicios financieros que la Cooperativa de Ahorro y Crédito Juan Pio de Mora Ltda, del cantón Chillanes, provincia de Bolívar; pondrá al servicio de sus clientes y asociados a partir del año 2013

Abstract

The proposed financial plan provides an economic and financial alternative to the Cooperativa de Ahorro y Crédito Juan Pio de Mora LTDA, to improve its performance and economic results, giving it the possibility to expand and develop strategic plans in its financial growth. The main objective of this financial plan is to make better use of existing resources and to increase competitiveness in the provision of new products and services for its partners and the general population. For this purpose, a market study was carried out to identify potential needs and propose new products and services to cover part of these needs at the level of the population of Chillanes. This thesis constitutes a contribution to the administrative and financial management of the Cooperative, since through the research work has generated a viable alternative and favorable to the interests of the entity The financial plan analyzes the financial economic viability of the project in a period of five years, which defines the portfolio of products and services to be introduced in the local financial market, considering the necessary investment and its financing cash flow; detailing the needs of operating expenses, collection periods and compliance with the different obligations. Finally, it can be said that the entity should take into account the present work and deepen the research and market studies to develop the necessary tools and compete in the local financial market, also have the opportunity to expand to other sectors of the province and the country.