Proyecto para la implementación de una sucursal de la Cooperativa de Ahorro y Crédito “Crecer Wiñari” Ltda. en la ciudad de Guayaquil

Abstract

The opening of a branch of the COAC (Savings and Credit Cooperative) “Crecer Wiñari” Ltd., in Guayaquil city will benefit all population involved in formal and informal trade, as well as all those emigrants who are already members of the cooperative. The P.E.A. (Economically Active Population) from doentown Guayaquil was considered for this Project, because in this area there is more market and population with a total of 67.184 inhabitants who are potential members. The COAC (Saving and Credit Cooperative) “Crecer Wiñari” Ltd., will start whit an initial investment of $ 61.980,47. From the revenues and expenses during the first year the approximately profit will be $35.448,87 with a 20% annual growth in a five year term. For the financial evaluation a rate of return of 12.9% is assigned for the project with the following results: Net Annual Value (NPV) = $61.982.47; Internal Rate of Return (IRR) = 69%; Relationship Benefit / Cost = 2.99; Period Payback = 2 years, 5 months and 16 days. The provided references show the projection capacity which is taken as a fundamental data for investors according to the attraction and profitability degree that is within the established standards in the investment projects financial evaluation.