Estudio de Factibilidad para la apertura de una agencia de la Cooperativa de Ahorro y Crédito Cacha Ltda. en el cantón Santo Domingo, provincia de Santo Domingo de los Tsáchilas

Abstract

This investigation was carried out to a feasibility study for opening an Agency of Savings and Credit Cooperative in Santo Domingo city, province from Santo Domingo of the Tsachilas. Project is reply to the need to expand services majority of population from Santo Domingo. Topics covered by the feasibility study and an overview Cooperatives’ and a description of the area to locate project was studied, chapter II conducted a market survey information was collected to determine whether there is an unmet demand, it identified different failures of some financial institutions finding the main limitations of users such as : difficult access to microcredit which they has led to turn to illegal sources, for that reason this study looks for expected customer expectations, leaving into consideration the option of creating this financial institution, together with the market research study was conducted organizational and legal requirements in order to comply with the various legal requirements. Chapter III was conducted a studio technical project, macro and micro location, capacity, distribution project and resources required for the operation were defined. Then, administrative study to determine organizational structure, has an economic study to know costs and expenses project, an economic evaluation of the project, analyzing in detail the IRR (Internal Return Rate), NPV (Net Present Value), B/C (Business/Component) and equilibrium point, also with projected income statements, a description of the budget, administration, and finally the conclusions and recommendations of project were conducted.