Proyecto de factibilidad para la creación de una caja de ahorro en la parroquia San Antonio de pasa, provincia de Tungurahua, año 2023

Abstract

The San Antonio de Pasa parish lacks credit opportunities that allow them to obtain necessary resources and expand their businesses by seeking other sources of financing, falling mainly with usurers who take advantage of this need by imposing excessive prices on the money granted, the objective of the investigation was to carry out a feasibility project for the creation of a savings bank in the San Antonio de Pasa parish, province of Tungurahua, by capturing savings for the placement of credits that improve the quality of life of the population. The methodology developed had a mixed approach, a non-experimental cross-sectional research design was used because the described variables were not manipulated and it was developed in a specific period of time; The population under study was the inhabitants of the parish, being essential the application of documentary and field research to obtain respective information through methods, techniques and instruments, among which were the interview directed to the representatives of the parish and the survey applied to the Economically Active Population. Through this methodology it was determined that the parish does not have a financial entity that helps them cover their credit needs, entrepreneurs have difficulties in obtaining the necessary resources to start or grow their businesses that would allow them to boost the economy of the parish through microcredits. In this context, it is concluded that through the studies carried out it is determined that the creation of a savings bank is feasible since this is indicated by the financial indicators used such as the NPV of 56,700.11, the IRR of 39.86%, R B/ C of 1.21 and a PRI of 2 years and 3 months, allowing the viability of the project to be affirmed