Proyecto de factibilidad para la apertura de una agencia de la Cooperativa de Ahorro y Crédito "Acción y Desarrollo" Ltda. en la ciudad de Quito provincia de Pichincha

Abstract

In this research a feasibility study for the opening of an Agency Cooperative Savings and Credit “Action and Development” is performed Ltda., in Quito, Pichincha Province. The market study determined that the opening of the cooperative has a favorable acceptance with 81,16% unmet demand in a universe of 29,931 and a sample of 138 residents to whom the survey was conducted. A technical study was developed taking into account the sales staff that starts with five people who will be distributed in primary activities such as: customer service, branch manager, loan officer, and ATM: The technology is based on the accounting system that will cost $ 500,00. The financial study estimates an investment of $ 161,960.00 distributed among partner contributions $ 2,070.00 $ 150,000.00 cash credit, deferred investment accounting system $1,500.00 $500,00 $1,000.00 feasibility study fixed investment $8,390.00 fixed assets $8,390.00. The point of balance is $27,156.73 US dollars and 325 days, the NPV is $134,995.90, the IRR of 19,10% higher than the minimum rate of return is 8,42% and the benefit – cost is 1,17, reflecting the project´s profitability. The payback period of investment is 1 year and 4 months. It is determined that the Project is feasible.