Investigación socio – económica para la creación del banco comunitario para los pescadores artesanales de la parroquia Chanduy – provincia de Santa Elena, en función de la Ley Orgánica de Economía Popular y Solidaria, para el año 2012

Abstract

The objective of the present research is the feasibility study to create the community bank of the “Virgen del Carmen” association from Chanduy, in order to improve the fishers’ access to the services and alternatives financial products. The present research is divided in four chapters detailed shortly: The chapter I mentions about the problem that served for planning the justification and therefore the general and specific objectives. The chapter II mentions about theorical fundamentals which take into account to statutory entities to take part in the popular solidarity economy, likewise deals with the national plan for good living as well as the micro-financial, those are a very important point to deal since was carried out as part of our thesis, the same way mentions the community bank definition and their characteristics. In the chapter III a socio-economical study is carried out in the Chanduy parish and the association benefited, in order to the detect the feasibility to create a Community bank for the Artisanal Fishers from the area, for this research surveys and direct observation were applied. The chapter IV suggests the proposal to implement the Community bank, suggesting the Community bank organization chart and the detail of their duties, also the Community bank operative design, then a market research study is carried out which NPV (Net Present Value) and the IRR (Internal Return Rate) are analyzed, in the same way a social – economic impacts are determined and finally it is concluded with the implementation and activities schedule related with the “Virgen del Carmen” Community bank creation. We propose this research being conscious of the good results that currently the microcredits system is giving for contributing the community economic development in study, hopefully this project being an example to follow for the associations that want to be part of the popular and solidarity development in the Santa Elena Peninsula a forgotten area.