Estudio de factibilidad para la apertura de una agencia de la Cooperativa de Ahorro y Crédito Nueva Esperanza Ltda. en la parroquia Valle Hermoso, de la provincia de Santo Domingo de los Tsáchilas, como una alternativa al desarrollo productivo, para el periodo 2012 - 2013

Abstract

This research Project consists of ” A Feasibility Study to Open an Agency called Nueva Esperanza Ltda., Savings and Credit Cooperative located at the Valle Hermoso town, in the province of Santo Domingo de los Tsáchilas as an alternative productive development for the period 2012-2013. The marketing study was effected, in which the demand of micro credit were analyzed, in the city of Santo Domingo de los Tsáchilas, by means of, a survey indexes resulting from the priority needs of the town inhabitants. On discussing the study, it is determined the optimal size project based on demand and needs of information systems and processes to be implemented, as well as the necessary infrastructure and basic equipment the institution should have. According to its size, the amount of supplies, materials, human and technical resources, were specified and the total investments determined in the financial study needed to implement the project. Also, the financial economic evaluation was conducted in which the cash flow, evaluation the net present value, internal rate of return, the period of payback and the sensitivity analysis were determined, showing the project is profitable and recommendable for commissioning. Taking into account that in the evaluation of project financial indexes is positive determining there is a higher return the market offers to an inversion of capital.