Diseño de un plan de negocio para un coach financiero que guiará la economía personal, familiar y negocios en la ciudad de Guaranda

Abstract

The present degree work is a research project, its main objective, to design a business plan for a financial coach that will guide the personal, family and business economy in Guaranda city, for which a market, technical, legal, organizational and a financial study was carried out with methods and bibliographic, descriptive, qualitative, quantitative, and exploitative research techniques The collection of data, observations and surveys applied to the population in Guaranda city allowed to know the level of acceptance of the coach service with results of 71.2%, it was also possible to show that financial problems are caused by not having financial knowledge, Uncontrolled errors, taxes on bank loans, poor money management, impulsive purchases, ignorance of money over time. The study and financial analysis showed that for the implementation of the financial coach service in the city of Guaranda it is profitable with an internal rate of return (IRR) of 76%, a net accumulated value (NPV) of $21,034.93 and a ratio of Cost benefit of $3.06 for every dollar invested, taking into account that your initial investment was $10,230.00 and the recovery time of the investment was 2 years, 5 months and 28 days. Concluding that the Financial Coach process allowed to develop skills, abilities, capacities, acquire new knowledge and all those elements that help to obtain high results when managing money, regardless of the social, economic level, it is recommended to be in constant preparation to lead an orderly and planned life, improving personal, family and home finances, changing the customs of the new generations