Proyecto de factibilidad para la creación de la Cooperativa de Ahorro y Crédito y de consumo, para la Escuela Superior Politécnica de Chimborazo, en la ciudad de Riobamba, año 2013

Abstract

We conducted a thorough investigation to determine whether it is feasible to create a Savings and Credit Cooperative for polytechnic students Chimborazo, to perform situation assessment obtained favorable results, because the Polytechnic School of Chimborazo has all the necessary requirements, both technical, academic, technological, so it can be executed cooperative project, and cooperative experiences held by the institution are of great value and support for the same. In developing the market research, through surveys we obtained excellent results, and that about 89% of polytechnic students want to be part of the Polytechnic Student Cooperative, considering that 90% of them have savings capacity and 87% have financial needs, which are not covered, mostly because of the fear they have financial institutions lend to students and others because the students themselves are unaware of the benefits they have to be members of a financial institution. Although Credit Unions are not for profit, and providing social service cannot allow loss exists, therefore our interest rates are competitive in the market and are determined according to the ceilings and floors provided by Ecuador´s Central Bank, so to be a cooperative solvent we will be able to cover all the needs (social holding) requiring polytechnic community.