Estudio de factibilidad para la creación de una caja de ahorro y crédito para la Asociación Interprofesional de Artesanos “27 de Abril”, ubicado en el cantón La Joya de los Sachas, provincia de Orellana

Abstract

The present work called Feasibility Study for the creation of a Savings and Credit Fund for the Interprofessional Association of Craftsmen "27 de Abril", located in the corner of Joya de los Sachas, province of Orellana, has the purpose of carrying out the study that allows the insertion of artisans in traditional banking, when analyzing the possibility of granting loans and financial services adapted to the reality of the sector through procedures and policies of financial institutions in the sector, the surveyed population was 3450 artisans based in the canton. obtained from INEC 2010; the technique of the survey was used to sample 346 people and interviews with officials of financial institutions, according to the results obtained in the market study, supply was determined, demand was unsatisfied and strategies were developed, the technical study established two services to provide such as: the microcredit establishing the total number of microcredits per year that will be provided with amounts up to $ 500.00 and savings at sight estimated an average monthly savings of $ 10.00 in addition to determining the location, equipment necessary for the adaptation and distribution of the Savings and Credit Fund; as for the organizational study, it adheres to the proposal of the Popular and Solidarity Economic Law, which determines necessary committees and personnel, at the same time it determines the respective functions of each one of the officials of the institution; In the economic study, the economic feasibility of the project was announced with a (NPV) Net Present Value of $ 115,145.15 and the (IRR) Internal Rate of Return obtained from 38%, which focuses on a feasible proposal and when performing the analysis of sensitivity by means of two primordial variables, a NPV greater than zero was obtained and the positive IRR, which concludes that the project is viable and its application is recommended.