Proyecto de factibilidad para la creación de una caja de ahorro en la comunidad Cocán del cantón Alausí, provincia de Chimborazo

Abstract

This study aimed to develop a feasibility project for the establishment of a Savings Bank in the Cocán community of the Alausí canton, Chimborazo province, through a comprehensive examination encompassing market, technical, legal, economic, and financial aspects. We used inductive methods to address the main problem hindering agricultural or livestock enterprises from continuing their operations and deductive methods to explore environmental factors for proposal implementation. Various techniques and instruments were employed to gather pertinent information from the Cocán community residents, facilitating the identification of needs and issues crucial for establishing a solid project foundation. Through the economic study, it was determined that the initial investment for this project is $10,913.92, representing the economic value required for creating the Saving Bank. Financial evaluation revealed the project's likelihood of success through the following indicators: Break-even Point: $25,913.24 (with incomes exceeding this value, indicating feasibility); Net Present Value: $3,855.43; Internal Rate of Return: 21%; Benefit/Cost Ratio: $1.4; Investment Payback Period: 3 years and 3 months. Given the favorable results for investors, the project is deemed viable, capable of generating employment opportunities, funding for micro-enterprises, and economic profitability. Consequently, the project execution is recommended due to the evident benefits it offers