Proyecto de factibilidad para la implementación de un producto financiero en la Cooperativa de Ahorro y Crédito Credil Limitada

Abstract

The present study focused on a feasibility project for the implementation of a financial product (a debit card) in Cooperativa de Ahorro y Crédito Credil, Ltda in all the institutional agencies through marketing and financial studies along with the unsatisfied demand aimed to attract new potential clients and optimize time to generate higher annual returns. For the development of the research, information provided by the institution was collected and through the application of surveys applied to associates and clients which made it possible to determine the supply, demand and level of acceptance of the product. A market, technical, legal and financial study was adapted according to the need, which allowed determining the investment, financing and cash flow, obtaining the following results: discount rate of 9.33%, a net present value ( +NPV) $39,694.77; an internal rate of return (IRR) 42.93%, benefit cost ratio (RBC) $2.33 and the real recovery period (PRR) which is 2 years, 3 months and 7 days. The investment needed to start the project is $29,855.10 dollars. Through the application and analysis of these indicators, the feasibility and viability of the project is concluded, which is why it is recommended its implementation.