Proyecto de factibilidad para aperturar la Cooperativa de Ahorro y Crédito “Corazón de la Patria” en la parroquia Licán del cantón Riobamba provincia de Chimborazo, en el periodo 2015-2016

Abstract

The aim of this research is to design a feasibility Project for creating the saving and credit cooperative “CORAZÓN DE LA PATRIA” at Parroquia Licán, Riobamba Country, Chimborazo Province in the year 2015-2016, as an alternative for economic growth and development of the community improving its quality of life. The research applied is descriptive; the methods used were inductive and deductive, besides it applied field research and application of surveys which allowed determining the technical viability for the creation of this institution. An important research factor is the economic study applied, in which important information was obtained for the study and establish the cooperative creation through the implementation of financial and economic indicators, so that it was possible to determine the viability of the project inside of which is the determination of net present value (NPV) that corresponds to a positive value of 616.355,27 usd; therefore it can determine that the investment is viable, while the internal rate of return (IRR) is 78% also the projection of the estimated time was made to recover the initial investment in the project in about 1 year and five months. It recommends implementing this proposal, allowing to future partners of Licán to make benefit from loans to finance productive activities and thus encourage saving in a reliable institution.