Proyecto de factibilidad para la creación de una cooperativa de ahorro y crédito en la Cooperativa de Taxis Lago Agrio No. 1 de la ciudad de Nueva Loja

Abstract

This thesis is a feasibilityproject to create: a “Savings and Credit Cooperative” in Taxi Cooperative “LagoAgrio No. 1 in the city of Nueva Loja”. Proposal is aimed at strengthening saving institution that fosters and supports the initiative of the partners, with the delivery of financial products to low interest rates and suitable terms. The 142 members of the Cooperative of Taxis, attending public and private financial institutions to borrow, the processes are long and require large meet requirements and guarantees. As beneficiaries of amounts that are not commensurate with the need expressed. Currently the institution has a capital formed by contributions from partners, it serves to support needs in cases of accidents or other mishaps. The objective of the research is to use the capital available to transform it into a Savings and Credit Cooperative complying with the principles of cooperation. According to market research through surveys conducted feasibility was determined to develop the project it will require a fixed investment of $ 47,610.00, that value will be recovered in the short term, given that they operate with $ 750,000.00 credits for the first year with a lending rate of 15% and 5% deposit rate, based according to the interests that have the Central Bank of Ecuador, which will be funded by the CFN with $ 1´000,000.00. Since it has gained acceptance from partners and the financial viability of the proposal, we recommend the creation of the Cooperative.