Plan de negocios para la apertura de la agencia de la Cooperativa de Ahorro y Crédito Cacha Ltda., en el cantón Cañar, provincia de Cañar, período 2014-2018

Abstract

A business plan has been made for the opening of an Agency of the Saving and Loan “Cacha Ltda.”, in Canton Cañar Province, in the period 2014 - 2018. Considering as a universe of study the Canton Cañar with 59,296 inhabitants according the last census conducted by the INEC and the Economically Active Population (EAP) of 24.288, from which we calculated the target population of 113,677 between ages 20-64 who are legally competent to make credit transactions. Based on the calculation of the sample with a confidence level of 95% the number of surveys to be applied is 384 (three hundred eighty-four), which were applied in parishes and precincts that are the most influential economic revitalization in the Canton, during the market study. 53% of the surveyed population of Canton Cañar is not linked to any financial institution, such as a bank, Cooperative, Mutual entity or others and that only 47% of people have an account at a financial institution (IFIS.). As a result of the study conducted it is concluded that the opening of an agency of the saving and Loan “Cacha Ltda.”, is feasible. The financial entity would have a good acceptance due to the need in the area, since most of the respondents apply for a loan being this a potential growth market that can be picked. For these reasons, the Board of Directors of the Institution is recommended to consider opening or the implementation of an office since studies have shown that the business plan is profitable, and we must implement a marketing plan to publicize financial services offered by the entity.