Proyecto de factibilidad para la creación de una caja de ahorros para los estudiantes de la ESPOCH

Abstract

The present study called feasibility project for the creation of a savings bank for ESPOCH students, due to the absence of formal institutional mechanisms for financing savings and credit aimed exclusively at students. The objective of the research was to carry out a market study that covers each of the phases, to analyze the legal, legal, administrative aspects and thus comply with the regulations imposed by the regulatory bodies in charge of the popular and solidarity economy entities. In this study, a quantitative and qualitative methodology was applied, where an instrument such as the survey which was applied to ESPOCH students. In addition, the SWOT matrix was analyzed, where it was determined that there is a certain degree of mistrust towards associate members, it faces the difficulty of adapting to frequent changes and revisions in the LOEPS, it has experienced occasional breaches of the organization's internal policies. On the other hand, the market study application was developed where it allows visualizing the viability through the financial study where the initial investment of 17,846.80 dollars was determined for the creation and development of the project, where the financial evaluation during the first year, the profitability of the savings bank will be insignificant, however, it will remain in the market providing services to students, which shows that the company's profitability is 20.65%, which is important to know the recovery period being 5 years demonstrating in this way that the project is viable since its benefit/cost has a value of 1.25, which means that for every dollar invested, 0.25 cents of benefit can be obtained