Proyecto de factibilidad para la creación de una caja de ahorro en la parroquia San Sebastián del Coca, cantón Joya de los Sachas, provincia de Orellana, año 2023

Abstract

The feasibility project for creating a savings bank in San Sebastián del Coca parish, Joya de los Sachas canton, province of Orellana, in the year 2023, aimed to improve the quality of life of its inhabitants. A quantitative and qualitative methodology was used in the research, and instruments such as a survey of the economically active population of the parish were applied. A diagnosis was made using the SWOT matrix, in which it was determined that there are shortcomings such as technological limitations, limiting better customer service, high operating and administrative costs, and limited experience of employees. A market study was developed where the level of acceptance of the population was known; consequently, an executive and legal study was carried out, in which both the legal regulations and the structure and strategic formulation were exposed, which determined that the project is viable and profitable because in the financial study. It was found that the current and projected income expenses were favorable, where the Net Present Value (NPV) is optimistic at $ 47. 810.15, the Benefit Cost (B/C) of $ 1.25, the Internal Rate of Return (IRR) of 39.70%, and the Investment Recovery Period (IRP) of 2 years, six months, and 15 days. It was recommended to those involved in the creation of the savings bank to implement all the phases of the market study because it presented positive results in the financial evaluation in which good profitability was noted. Therefore, it will generate benefits in each year of the projections, and these should be evaluated to make objective decisions that will guarantee the adequate development of the institution