Estudio de factibilidad para la creación de una cooperativa de ahorro y crédito dirigida a los comerciantes del Cantón Playas Villamil.

Abstract

In the present project, the feasibility study for the creation of a savings and credit cooperative directed for Playas Villamil merchants is presented. Through an investigation that used the deductive method with a quantitative approach and exploratory scope, it is evident that the merchants are interested in accessing the credit with the financial benefits offered by the cooperative and thus respond to the problem they have of the lack of access of the credit current days in the sector. Equally, it is concluded that the Ecuadorian economy has grown and remains stable and political stability is observed, that is, investment and public spending is high for incentives and mechanism, promotion, strengthening and financing for credit unions, on the part of the government entities, for which, they were evaluated as essential opportunities for the realization of the project. Finally, it can be deduced that the present project is viable, so it offers an Internal Rate of Return higher than the TMAR; therefore, the positive Net Present Value greater than zero was obtained.