Proyecto de factibilidad para la colocación de cajeros automáticos multifunción de la Cooperativa de Ahorro y Crédito “El Sagrario” en el centro sur de la ciudad de Riobamba en el año 2019

Abstract

The present degree work proposes a feasibility project for the placement of the multifunction ATMs of the Cooperativa de Ahorro y Crédito "El Sagrario", in the south center of the city of Riobamba in 2019, its objective is to expand the market, improving the service in ATMs, attracting new potential partners, optimizing time and in turn generating higher profits per year. For the development of the research, the information that has been provided by the institution has been collected and through the management of surveys applied to the population, it was possible to determine the offer, demand and level of acceptance and identify the strategic location in the southern sector specifically in front of the Wholesale market of the city of Riobamba, since in this sector there is a greater agglomeration of people and commercial activity. The use of ATMs was determined with a daily frequency of 40.81% in different bank transactions, a market, technical, administrative, legal and financial study was applied, which allowed to determine the investment, financing and cash flow, obtaining the following results: discount rate of 0.0678, a net present value (+ NPV) of $ 33,406.32; an internal rate of return (IRR) 32.58%, cost benefit ratio (RBC) $ 1.72 and the real payback period (PRR) which is 3 years, 6 months and 21 days. The investment needed to start the project is $ 46,300, it is worth mentioning that for the implementation of the project no loans are required, since the cooperative itself makes adjustments through its annual profits, which are reinvested for improvements in the institution. Through the analysis of these indicators, the project roadway is concluded and its implementation is recommended.