“Proyecto para la implementación del producto financiero “Créditos Verdes” en la Cooperativa de Ahorro y Crédito P.A.I.S. Ltda., de la ciudad de Riobamba”

Abstract

The savings and credit cooperative "P.A.I.S." Ltda. Ltda. does not have a financial product that helps the environment for good sustainable development, therefore, it is intended to implement a new financial product within its credit line because it only works with microcredits. The objective of this research was "To develop the project for the implementation of the financial product "Green Credits" in the savings and credit cooperative P.A.I.S. LTDA. in the city of Riobamba, using modern techniques to determine the feasibility of the project. The methodology used had a mixed approach, a non-experimental design was used because no variable was manipulated, also the type of study was field and bibliographic sources since surveys were conducted and also research in reliable sources, through methods, techniques and instruments of research to obtain accurate information for the development of the research, so the survey was applied to families in the city of Riobamba. Through this methodology it was possible to determine that the project is viable for the cooperative, thus obtaining a positive result within the financial indicators such as a positive NPV of $210,302.05; an IRR of 28.24%; the Recovery Period of 3 years 9 months and a Benefit-Cost Ratio of $ 1.29; with the respective analysis of these indicators it can be concluded that it is viable to offer this new financial product "Green Credits" in the savings and credit cooperative P.A.I.S. and it is recommended to implement it in the shortest time possible, and it is recommended to implement it in the shortest possible time since markets are changing.