Estudio de factibilidad para la creación de una cooperativa de ahorro y crédito dirigida al sector lechero de la ciudad de Azogues.

Abstract

Bearing in mind that the producers of the productive chain of milk in the city of Azogues have to face great challenges within their productive activity; and, above all, the difficult access to credit in the local financial system, for which the creation of a savings and credit cooperative is intended, which will be available to farmers and ranchers in the city. To have access to the services provided by the Cooperative, the member must have its affiliation, must pay an initial value of USD 100 and a monthly savings of USD 17.00. For the administration there will be a staff trained to provide a quality service to customers; For operation, the institution will have the following products or services: deposits, monthly savings, and interest on money lent as credit; that is to say, that its financing will depend solely on the partners of the institution. The project is viable according to the economic analysis with a Net Present Value of USD 127,796 and an Internal Rate of Return of 70%. In conclusion, each of the aspects determined in this work must be considered, ensuring that all partners are part of the popular and solidarity economy system.