Estudio de factibilidad para la creación de un producto financiero “Ahorro Juvenil” en la Cooperativa de ahorro y crédito Chibuleo Ltda. agencia matriz, cantón Ambato en el año 2022

Abstract

This research work proposes to study the feasibility of creating a financial product called "Ahorro Juvenil" (Yought Saving) in Ahorro y Crédito Chibuleo Ltda. cooperative, head office, in Ambato canton in the year 2022, its main objective is to attract new potential members between 18 and 29 years in order to improve the collection of funds. For the elaboration of this research, the information provided by the institution was collected and analyzed, through the application of surveys to the economically active population, also, it was possible to establish the market study and the results obtained identify the demand, supply and unsatisfied demand. Then this value was taken to apply it with an average scenario of 40%, moreover the technical, legal and financial study was structured within this the investment, financing, income, expenses, income statement and cash flows were established. The evaluated indicators obtained the following results: discount rate of 0.1459, a Net Present Value (+ NPV) of $19641.16; an Internal Rate of Return (IRR) of 35.71%, Benefit - Cost Ratio (BCR) of $ 1.62 and an Investment Recovery Period (IRP) of 3 years, 0 months and 9 days. The investment for the implementation of this project is $31,552.93 dollars, and it is worth mentioning that no financing is required, since the cooperative has its own resources. It is concluded that through the analysis of these indicators it is viable to offer the financial product "Ahorro Juvenil" and it is recommended to implement it.