Estudio de factibilidad para el desarrollo del producto financiero “microcrédito”, en la cooperativa de ahorro y crédito Educadores de Chimborazo en la ciudad de Riobamba

Abstract

A study was conducted to determine the feasibility of implementing a new "microcredit" financial product of simple accumulation type in the Cooperativa de Ahorro y Crédito Educadores de Chimborazo. Through the sample, it was possible to determine the offer and the demand, for which the questionnaire was used as a primary instrument to know these data and the needs and opinions of the clients about the project. The results of the 317 surveys carried out show that there is a credit demand, and the partners are willing to make precious credits in the Institution to create new companies or continue to invest in it. This can also be observed by the increase of members in the CACECH by the change of regulations for the entry of the second degree of consanguinity relatives. First, of the affinity of active partners, also through financial analysis, It is shown that the Institution has liquidity and solvency for the implementation of the new commercial product. Thus, the result of the cost-benefit ratio, it is concluded that the application of this new line of credit is feasible as it will generate more revenue to the COAC. In this way, it will help the partners to meet their needs, creating new sources of employment, and energizing the country's economy.