Plan de negocios para la creación de una microfinanciera en apoyo a la mujer emprendedora de la ciudad de Riobamba

Abstract

This research comprises the creation of a business plan to found a Microfinance institution in order to provide help, support, and benefit to entrepreneur women living in Riobamba city; in fact, this study arises from the initiative of providing a solution to women who require an alternative for financing. It was previously developed a ordered scheme of studies which was based on a market study from which was determined the interaction of supply and demand to make possible to define the unmet demand that encloses 38,562, the number of women who have not been able to get a credit and need it. Subsequently, it was a carried out a technical study where the size and extent of the microfinance institution were identified according relevant criteria like technology, targeted market, the total number of staff who this institution is going to count with, and the fixed investment whose amount is 7600 USD, 4500 USD corresponding to non tangible and 12.190,95 USD belonging to operating working capital For these reasons, the total investment was 24.290 USD. In addition to this, a legal study that shows all the regulatory and legal requirements was made for the constitution if this entity, as well as licenses, trdemarks and requested patents, then the strategic guidelines were put under analysis to establish mission, vision and values that are going to direct this new Microfinance institution. Finally, it was implemented a financial study that demonstrates the investments, costs and cash flows that enterprise will have these mentioned factors were evaluated by delimiting the plan viability, for that reason it is recommended to undertake this financing project.