Plan de negocios para integrar horizontalmente a la empresa OROCASH a través de una tarjeta corporativa para el año 2023.

Abstract

OROCASH ECUADOR is a company that is dedicated to the purchase and sale of gold jewelry, watches and silver, on which the objective of this work has been raised to implement a corporate credit card that allows partners to obtain a benefit in companies of the conglomerate To achieve the objective, an investigation was carried out to the clients as well as to the financial market for the issuance of cards, which allowed to identify that OROCASH has the infrastructure, the organization, the experience and a portfolio of loyal clients that allows it to face the externalities of the macro and micro environment of the market. The results of the customer research determined that there is a high degree of satisfaction with OROCASH's products and services, as well as the majority of those surveyed who answered that they did not have a business credit card and were totally willing to receive a card from from OROCASH. The results of the customer survey also identified that there is a high willingness to increase consumption by a percentage greater than 15%, according to the response of those surveyed. The financial evaluation of the project determined a very attractive profitability, with an IRR of 42.7% and a NPV of $56,593.18, which allows us to conclude that the implementation of a business credit card is a feasible project.