Proyecto de factibilidad para la apertura de una agencia de la Cooperativa de Ahorro y Crédito Pushak Runa en la ciudad de Macas, provincia de Morona Santiago

Abstract

The present study was aimed to carry out a feasibility study to open a savings and credit institution in Morona Santiago city. It is important to remember that the economic reactivation is pressuring all the country's economic sectors especially when financial resources can be used and placed in sectors where those resources are lacking. For this purpose, a mixed approach methodology was used, with inductive-deductive, analytical-synthetic methods through techniques such as interviews and surveys with their respective instruments for determining and collecting the information necessary for the study. Once the main variables were determined, the proposal was structured with five stages to identify the necessary resources to run the project. Thus, it was possible to determine the unsatisfied demand for the product to be marketed, the level of investment that will be made, the costs and expenses incurred, and the level of risk that may be carried out. All of this, being together the way in which human and physical resources are arranged with a monetary level that was evaluated in the economic and financial study. Concluding that the project proposed for the city is feasible as it has a positive NPV of and an IRR of 47%. Therefore, it is recommended to implement the project as investors will achieve a positive return