Propuesta de un producto financiero dirigido a socios del sector rural para la Cooperativa de Ahorro y Crédito Lucha Campesina agencia La Troncal.

Abstract

The purpose of the savings and credit cooperative is to satisfy the needs of its members through financial intermediation to achieve local development through the structuring of financial services for savings, investment and credit. The general objective was to develop a proposal for a financial product aimed at partners in the rural sector for the Cooperativa de Ahorro y Credito Lucha Campesina agency La Troncal. The research methodology had a mixed approach of exploratory scope with a non-experimental method and a deductive-inductive method, using the survey and interview as tools for collecting information. Among the main results obtained were that the factor that causes people to take alternative credits is the lack of knowledge of the particularities of financial services and the cumbersome procedures and time of the process as a whole. With this information, the needs of consumers and the placement of credits were analyzed to detect market trends, which resulted in people being interested in savings, investment and credit products in the retail sector that the Lucha Campesina cooperative does not have. , allowing the savings-investment product to serve to create equity, as well as collateral to reduce credit risk and improve interest rate conditions. The project was financially feasible, with an IRR of 81.2% and a NPV of $32,569.6 with a payback of the investment in one year and 10 days.