Proyecto de factibilidad para la creación de una caja de ahorro y crédito para la asociación de gricultores “Asocrulo” del cantón Chambo

Abstract

The research objective of the present work was to conduct a feasibility study for the creation of a Savings and Loan Bank to improve the profitability and financial management of the Farmers' Association ASOCRULO of Chambo Canton. The methods used to develop the research were: inductive, in which the processes carried out were studied to subsequently identify the existing problems, and deductive, in which an analysis of the factors of the environment in which the project will be developed is conducted. The techniques used were: a survey through the application of a questionnaire and specific questions to gather important information for the feasibility project, an interview with the president of the Association to obtain information about the needs of the association and to know the criteria for the feasibility study; files and bibliography that allowed establishing a solid theoretical basis. For the development of the project, the following studies were conducted market, technical, organizational, legal, and financial studies, in which each of the income, expenses, costs, and expenses were determined and detailed. The initial investment is $ 12,642.27, which is necessary for the creation of the Savings and Loan Bank, through the financial evaluation the feasibility of the project is established, obtaining as a result the following financial indicators: Net Present Value: $ 4,960.79: Internal Rate of Return: 21.98%; Benefit-Cost Ratio: $ 1.25; Investment Recovery Period: 3 years 9 months and 28 days. The financial indicators are in line with the evaluation criteria, and the project was determined to be feasible since it offers favorable results for investors; therefore, it is recommended that the project be implemented.