Propuesta de modelo de negocio para la implementación de una Cooperativa de Ahorro y Crédito de un operador privado de servicios públicos.

Abstract

This research establishes a business model to implement a model of closed credit and savings cooperative, which implies that it will only generate financial products for those who work in the private operator. Historically, cooperatives originate as an alternative for the solution of economic problems caused by the industrial revolution, very aligned to the context of solidarity work, protect collective interests and participate in mutual aid, either for the internal consumption of its members or promote production for sale, avoiding intermediaries, which favors the increase in profit. The objective of this research was to develop a business plan for the creation of a credit union that provides alternatives for financial products and encourages the culture of savings to the employees of a private utility operator, for this a methodology was used quantitative and historical information collected regarding the evolution of the Popular and Solidarity Economy and its system of cooperative and more organizations allowed. In addition, it is considered that the development of the proposal is feasible, given that it was obtained as a value of the NPV, somewhat higher than 0, while there is an acceptable percentage for the IRR, being 10%, finally the payback shows that the investments made will be recovered from the third month.