Proyecto de Factibilidad para la creación del Banco Comunitario “Virgen de las Mercedes” de Hualcanga San Luis, cantón Quero, provincia de Tungurahua año 2014

Abstract

The origin of this research is the development analysis of Virgen de las Mercedes de Hualcanga Communitarian Bank located in San Luis, Quero Canton Tungurahua Province whose members are the women from the community assisted by the Diocese of Ambato. For this it was necessary to establish a set of concepts with the management concepts from the theoretical point of view for an organization taking as a reference that for more than ten years it has not reflected any sign in the assets growth, it has only remained traditionally with the savings and Loan activity. In addition it has not developed an own management model, since the advisory directs itself the actions carried out by the government according to the diocesan project. This does not allow magnifying the reason for the existence solidary and financial alternative. The research proposes a management model according to the characteristics of the beneficiaries as well as their territorial environment, so it must be available for the members of the community especially, it is necessary to train the communitarian human talent who must be under the control of the communitarian bank without neglecting the external and technical support (public, private or diocesan) in order to improve the decision making, funding, planning and specially monitoring evaluating to complete the administrative, financial and social process of the communitarian bank. The feasibility is proposed according to the potential to improve the participation structure and social control of the governmental organizations and corporate control of the organizations (financial intermediation) which will be possible if the members project their bank for including more members and offer new products and services to reach the economic and social growth of the beneficiaries who seek a prospective future to reinforce the sustainability of their financial intermediation and solidary organization.