Proyecto de factibilidad para la creación de una caja de ahorro en la parroquia Tálag, provincia de Napo, año 2023

Abstract

The feasibility project for the creation of a savings bank in Tálag parish, Napo province, year 2023, because of the inhabitants are unaware of the financial system due to a lack of knowledge about financial institutions. The objective of the research was to examine the feasibility of establishing a savings bank to capture savings and grant microcredits to contribute to local economic development. The research used a quantitative and qualitative methodology, where instruments such as the survey were applied to the economically active population (EAP), in addition, the SWOT matrix was analyzed, where it was possible to determine the lack of experience in the management of local financial institutions, lack of infrastructure and adequate technology for the operation of the savings bank, risk of default by borrowers due to the missing credit history and detailed analysis. To solve the problems, the phases of the market study were proposed, where the technical study was analyzed, detailing all the materials and equipment necessary for the operation of the financial activities, the administrative design was proposed, analyzing all the legal requirements for the constitution of the legal status of the entity and to be able to provide a warm service with processes in each area of the company, which allows to fulfill the institutional objective, it showed that the project is feasible because the financial evaluation yielded positive data with an NPV of $ 8. 820.30 positive, an Internal Rate of Return of 32.28%, Benefit/Cost Ratio $ 1.45 for every dollar invested, 0.45 dollars of profit can be obtained, the investment will be recovered in 3 years