“Implementación de un nuevo servicio financiero enfocado en el ahorro programado para la vivienda en la Mutualista Ambato”

Abstract

Mutualista Ambato is a financial institution controlled by the Superintendence of Banks; which has been building the dreams of ambateños, through the savings and loans for housing. Indeed, the institution based public relations partners and customers based on mutual trust; In fact, it has become an efficient financial alternative for their actions is based on efficiency standards, prudence, financial soundness and social responsibility. Why the research is due to the need to diversify the portfolio of financial products currently offered by the mutualista, to meet the needs of its partners and potential customers who see the savings scheduled to have a chance to have a home of their own. Data from the research show interest by potential partners and customers of a financial service focused on programmed savings for housing, that while it is true that other financial institutions already sold, the mutualista have the opportunity to improve and thus attract a larger number of people, thus achieving mutual benefit, that is to say, those who have access to this product benefit from interest rates, bonuses and mutual gain more capital to work. The proposal is a financial product "Scheduled for Housing Savings", it is that a partner or potential client, through a contract allocates a monthly amount of money, some time, to buy a house, in return receive interest and bonuses compliance.