Proyecto de factibilidad para la creación del producto financiero "créditos verdes" en la cooperativa de ahorro y crédito minga ltda., de la Ciudad de Riobamba, Provincia de Chimborazo, año 2023

Abstract

The Cooperativa de Ahorro y Crédito "Minga" Ltda. faces the inexistence of the financial service with focus on the environment, this factor in the cooperative makes the partners or the potential clients look for alternatives in other financial institutions, which provoked that the Cooperative does not develop in a sustainable way and increase the placement of credits, therefore the objective was to carry out the project of feasibility for the creation of the financial product "Green Credits" in the Cooperativa de Ahorro y Crédito "Minga" Ltda, in the city of Riobamba, using financial strategies that will allow us to prove the viability of the project in order to contribute to the diversification of credit products. The methodology used was of mixed approach (quantitative and qualitative); the level of research was descriptive and explanatory; a non-experimental and correlational research design was used; the type of study was field and bibliographic to obtain information through methods, techniques and instruments, among which were the interview directed to the head of the credit and collection area, and the survey applied to a sample of the economically active population of the city of Riobamba. Through the methodology, they have suggested that it is appropriate for the savings and credit cooperative "MINGA" Ltda. to implement a new financial product to support productive activities and the population by granting green loans that encourage care for the environment. It is concluded that the feasibility and profitability of implementing the new financial product is evident, through the placement of 60 annual credits with an interest rate of 8%.