Proyecto de factibilidad para la implementación de una tarjeta de débito en la Cooperativa de Ahorro y Crédito Credi Ya Ltda. de la ciudad de Ambato periodo 2020

Abstract

The titling work requires a feasibility project for the implementation of a debit card in the Credit and Savings Cooperative Credi Ya Ltda. of the city of Ambato, which aims to attract new members and expand its market by offering a product of quality that allows partners to withdraw their money at the time they want, managing to be within the reach of the competition. For the elaboration of the project, information was collected provided by the manager of the Cooperative and also through the surveys carried out on the members, which helped to determine the acceptance of the debit card and an analysis was made of the place where they prefer a store to be located. ATM that complements the debit card, which in this case is limited to the fact that the preference of the members is the central sector where the parent institution is located, due to the fact that most of the members are close to their places of work, in the market study will extend the demand and supply of the project with their respective projections, in the marketing mix the 4p is determined, the product in which there is a design of the debit card, the price established by law, place and promotion which most of the members selected social networks to promote the card. The technical study will determine the initial investment of the project, which is $34,378.79. It is worth mentioning that the cooperative does not require outside capital and that it will cover the investment with its own capital. In the financial study, the necessary cash flows are obtained to calculate the value. real net income (VAN) with a result of $1,730.93, an internal rate of return (IRR) of 12% and a capital recovery period (PRC) of 4 years, 1 month and 1 day. Through the analysis of all the indicators, the feasibility of the project is determined