Proyecto de Factibilidad para la creación de una sucursal de la Cooperativa de Ahorro y Crédito “Sol de Los Andes” en el cantón Otavalo provincia Imbabura

Abstract

The thesis topic raised involves the preparation of an accomplishable Project for the creation of a Branch of the Credit Union “Sol de los Andes” in canton Otavalo, of Imbabura province.” This seeks to improve financial services by the proposal as developed to meet member needs. This project seeks to improve financial services by proposing develop to meet the needs of shareholders. For this research work has been used several research techniques such as direct observation in canton Otavalo, field research for the realization of market research which determined that there is unmet demand, the same as the Credit union wants to satisfy 10%, bibliographic material was also reviewed, web pages that served to complement the research. The proposed project consists of creating a branch; the same that will be capitalized by means of a credit from BCC (Italian Corporation) the same to be paid within a period of 5 years. The financial evaluation determined that the project is viable and profitable as the Internal Rate of Return (IRR) reaches 22%, and this increased the lending rate provided by the Central Bank of Ecuador which is 8.17% value; period of Investment payback (PIP) is one year two months and thirteen days. Finally the financial study allowed determining that the project is viable after the financial indices produced positive results, so that, it is recommended to start the project creating the branch of the Credit Union “Sol de los Andes”. Proposal will allow the institution to provide quality services to members and meet their requirements within the financial market.