Plan de negocios para la gestión de la Caja de Ahorro y Crédito “Virgen de la Merced”, en la ciudad de Latacunga, provincia de Cotopaxi, periodo 2018

Abstract

The present research project, Business Plan for the Management of Savings and Credit bank “Virgen de la Merced”, in the city of Latacunga, province of Cotopaxi, period 2018, has the purpose of establishing mechanisms and administrative and financial instrumemts that guarantee the good performance of the organization and therefore improve the economic and social conditions of the partners. The methodology used for the collection of information has a qualitative and quantitative approach, because it is based on the performance and application of surveys to partners and potential partners, from which, the main findings were the confidence and support of the partners for their constitution, due to the need for financing that they have according to their economic situation, the attachment to usury due to the restricted access they have with other financial entities and the lack of knowledge they have regarding the operation of the savings bank and the popular and solidary financial system. From this perspective, the need to have a business plan that contains legal, administrative and financial instruments that regulate its operation and through the provision of services allows families to develop their small ventures to increase their productive and economic activities is determined. For this reason, it is recommended to adopt the different structures proposed by the Superintendence of Popular and Solidarity Economy.