Plan de negocios para la creación de una empresa de asesorías financieras en el sector de las MIPYMES de la ciudad de Guayaquil.

Abstract

The study refers to a business model that is dedicated to the provision of financial advisory services for MIPYMES in the city of Guayaquil, due to the inexperience shown by certain directors in correct decision-making; It should be noted that not all directors and business owners have experience and expertise in the efficient and effective use of resources and that their position has been obtained by the contribution of seed capital or by having the initiative to carry out a business opportunity they have observed in the market. Theories based on entrepreneurship and the opportunity to boost an economy are taken as a reference, starting from the creation of a service, which practically points out the administrative deficiencies of MSMEs and that, due to the savings in payroll costs, their managers do not count with a certified accountant or with technical personnel in financial matters, who help in the creation of reports that measure the economic performance of the company. In other words, they do not have long-term planning for the company, thereby increasing the risk of premature bankruptcy and loss of seed capital. To verify this business reality, a descriptive research was applied, on a non-experimental basis, on a base of 384 companies, with opinions of directors and owners of companies within the category of MYPYMES on topics such as: problems in the tax, financial field, accounting and administrative, in order to model and detail an unsatisfied demand, on which services can be charged in the field of planning and management, especially if these companies faced a problem of correct decision-making. The study concludes by stating that, in an operational manner, the consulting company limits its service channel based on the number of operations or cases of clients who have administrative problems, because its personnel need to be in the plant and concentrate 100% on the activities of the company. company. Regarding the maximum financial yield with an investment of $ 78,490.10, an internal rate of return of 29.16% is obtained.