Estudio de factibilidad de la apertura de una agencia de la Cooperativa de Ahorro y Crédito San José Ltda., como estrategia de crecimiento en la ciudad de Guayaquil, provincia del Guayas, periodo 2015

Abstract

This research is a study of feasibility for the opening of an agency´s cooperative credit unions San Jose Ltda., as a growth strategy in Guayaquil city, Guayas Province, period 2015. The study helped us contribution to reach a diagnosis about the feasibility or not the opening of an agency, considering aspects such as: economic and financial, the market potential, analysis of competition and the location in Guayaquil city. The work aims to give solution to a myriad of needs having Guayaquil society in relation to financing and savings. On the context the raises targets existing in environment: studying the popular and supportive financial market, this is a technical study for the proposal, the determination of costs and investments needed for the opening of the new agency, the process of evaluation from the perspective financial and social. With the aim of achieving the proposed objectives, it has been used methods such as the analytical, synthetic deductive and inductive that facilitates the purpose of the investigation. The motivation for an investor to make an investment is the internal rate of return of 28,30%, a R/B equivalent to $0,70 of performance per dollar invested around. To sum up there is market potential, high expectations of income and the desire to save, which is recommended to implement the proposal, i.e. to crystallize the idea of opening an agency´s cooperative credit unions San Jose Ltda., in Guayaquil city.