Creación de un nuevo producto financiero ahorro programado para los socios de la Cooperativa de Ahorro y Crédito Produactiva Ltda., a través de un proyecto de emprendimiento, en el Cantón Quero Provincia de Tungurahua en el período de Enero – Septiembre 2016

Abstract

The Cooperativa de Ahorro y Crédito Produactiva Ltda., Is a financial institution whose main function is to provide financing to the peasant, community and especially farmers, through microcredit, in addition to providing other non-financial services, is located in The canton Quero province of Tungurahua. The market study determines and quantifies the demand and supply existing in the financial market of the canton, with respect to planned savings plans, this is possible through the collection of data obtained from field research, price analysis with a preferential rate For this product, according to the monthly deposit amount, the means by which the product and its benefits are disclosed. In the technical part is defined the optimal location of the product, the engineering of the project, the actual demand to be covered. The organizational study establishes the structure of the cooperative with its respective hierarchical levels, the functions developed by each level. As regards the economic study, aspects of a monetary nature are evaluated whose analysis serves to determine the feasibility of the project. The purpose of this project is to expand the offer of financial services through the proposal of creating a new financial product, which supports the cooperative's role, taking advantage of the market advantage and available economic resources, as well as providing A better alternative of accessibility to financing and savings for customers.