Plan financiero de la Cooperativa de Ahorro y Crédito “Sumac LLacta” Ltda., ubicada en la ciudad de Riobamba; período 2011-2013

Abstract

This paper refers to a "Financial Plan from Cooperativa de Ahorro y Crédito “Sumac Llacta” Ltda, which aims to strengthen the current financial planning, optimize resources and position it competitively in Cooperativa de Ahorro y Crédito "Sumac Llacta" Ltda, currently offers services such as: deposits (demand, certificates of contribution, fixed term), loans (unsecured, pledge, mortgage) Microcredit (Agriculture, Livestock, Commerce, Craft) these products do not are sufficient in the competitive market, for this reason that the cooperative financing strategies need to be positioned in the market being the main goal for a long period of time. For the current Financial Plan has been established internal and external analysis of the cooperative, the same has been done with the help of the research methodology according to the type of study, supported by the FODA analysis and analysis of surveys conducted the population intended for members of the cooperative, through financial analysis, has been shown that it is necessary to the implementation of financial strategies that serve as support for a better development of the cooperative, the optimistic scenario is the strategy to be adopted by the cooperative where the projections are in line with its vision the same as using these figures may castle make a major financial organization, self-sustaining and strong in the Midwest, prestige, confidence and credibility in the regional and provincial level, as a result of rising levels of productivity, transparent administration, high level of technology, as well as total assets and equity. The cooperative will maintain a strong network of intermediation through financial systems, thus ensuring access to credit facilities for clients from all economic sectors, who ensure the availability of products and services according to their needs.