Proyecto de factibilidad para la creación de una caja de ahorro en la parroquia Mulliquindil Santa Ana, provincia Cotopaxi, año 2023

Abstract

The project for the establishment of a savings bank in the Mulliquindil Santa Ana parish, Cotopaxi province, in the year 2023, arises due to the lack of funding sources and the scarce culture of saving in the parish. This research aimed to apply various tools to assess the contextual study, aiming to contribute to the economic development and growth of the producers and inhabitants of the region. The study employed both quantitative and qualitative methodologies, including surveys of the residents and a diagnosis of the current situation through a SWOT analysis. It was determined that there is a limited savings culture in the community, along with a restricted presence of financial entities in the area. To address these issues, a feasibility study was conducted, covering aspects such as market research to determine acceptance levels, a marketing mix focused on advertising strategies to attract residents, a detailed technical study outlining the processes for providing the service, legal analysis, and organizational study designing institutional areas with their respective activities and policies to regulate control entities. The enquiry demonstrated that a saving bank creation would require an initial investment of $12,684.85. The project was deemed feasible based on a Net Present Value (NPV) of $10,674.69, an internal rate of return of 32.39%, a benefit/cost ratio of 1.84, and an investment payback period within the third year