Análisis de factibilidad para la implementación de tarjetas de crédito en Cooperativas.

Abstract

The credit card is a way of emission and operative pay by Financial Institutions. In Ecuador the primary transmitter of credit cards is the banking sector. Although, the financial system in Ecuador is formed by Public and Private Institutions such as banks, mutual-type association, savings and credit Cooperatives, etc. Inside the Savings and Credits Cooperatives exist just a few studies about the implementation of credit cards. That is why the main purpose of the present study is to analyze the financial feasibility to implement credit cards in the Savings and Credit Cooperatives. This analysis established a very recognized savings and credit Cooperative in this country. Review of different studies about the process of credit cards, regulations in force, and variables to be analyzed to prioritize and establish a credit card brand. Finally, to implement the feasibility of credit card implementation in the Saving and Credit Cooperative selected, performing the financial analysis gave a positive result to be implemented of this product in the Institution.