Proyecto de factibilidad para la apertura de una agencia de la Cooperativa de Ahorro y Crédito OSCUS Ltda., como estrategia de crecimiento en la ciudad de Riobamba sector sur, provincia de Chimborazo

Abstract

The research objective is to implement a feasibility study for the opening of an agency of Oscus Credit Union Ltd., as growth strategy in the city of Riobamba Southern sector, Chimborazo province. The methods used to conduct the research are: inductive which consists in studying the processes made in the Credit Union and obtaining the information that allows to detect the existing problems; analytical with an environment analysis in which the project will be carried out, and the synthetic determines the situation through the above methods establishing the current and real environmental context that will permit to take the decision of opening of the agency. The techniques used are; survey through questions with the collection of information that helped to obtain the information required for the feasibility study; Observation that identified the socio-economic behavior of the southern sector of the city and the competence that exists; files and / or bibliographies, different sources were used as theoretical bases. Market, technical, legal and organizational, environmental and financial studies were performed for the development of the research which determined all costs, income, outgoings and the initial investment of $ 119.510,57 that is required for the opening of the agency. The feasibility of the project is demonstrated through the financial evaluation, resulting in the following financial indicators: Net Present Value: $88.059,08; Internal Rate of Return: 25%; cost/ benefit ratio: $1.69; Payback Period: 3 years, 2 months and 15 days. The indicators meet the evaluation criteria and the project is concluded as feasible, giving favorable results for the investor, Therefore, it is recommended to implement the project for the economic growth of the Credit Union in the city of Riobamba.