“Proyecto de factibilidad para la creación de una caja de ahorro y crédito en el cantón Saquisilí, provincia de Cotopaxi, año 2022.”

Abstract

The socioeconomic situation of our country affects the most vulnerable sectors, this is evident in our city, and even more in marginal sectors of low income, which marginalize them to have access to capital that can be the seed base to create an enterprise that can generate income to improve their economic situation, therefore, the objective was to design a feasibility project for the creation of a savings and credit bank in the canton Saquisili, province of Cotopaxi. The methodology implemented had a mixed approach, descriptive research scope, non-experimental research design of transversal type was used because variables were not manipulated, the population under study was the PEA of the Saquisili canton, being fundamental to the application of the deductive method since important aspects were taken into account through methods, techniques, and instruments used. Based on the study, obtaining the theoretical structuring, the previous diagnosis, and the corresponding financial analysis has been possible. Thus, it was determined that the project has a viable acceptance since the Net Present Value was 20,539.96 USD, the Internal Rate of Return of 14.26%, Benefit-Cost Ratio corresponding to 1.86 USD, indicating that for every dollar invested, a profit of 0.86 cents is received, the Capital Recovery Period is in 3 years and 27 days whose results demonstrate the feasibility of the project.