Valor del ciclo de vida del cliente del microcrédito de la Cooperativa de Ahorro y Crédito El Sagrario Ltda. de la ciudad de Ambato

Abstract

Cooperativa de Ahorro y Credito "El Sagrario" is a society of people dedicated to providing competitive financial products and services to satisfy the needs of partners and clients contributing to the development of Ecuador's solidarity economy is a leading and referent company in the cooperative financial sector through a professional management with social responsibility. Due to this, the present research work is directed to provide a greater profitability in the Cooperativa de Ahorro y Credito "El Sagrario" through metric called CLV, which will help to know the clients that generate greater benefits to the company. Thus, Cooperativa de Ahorro y Credito "El Sagrario" will be able to better allocate its resources in order to create loyalty or retain more time for this type of clients. The result of this research project, obtained through the instrument called survey, shows that an average customer will provide to Cooperativa de Ahorro y Credito "El Sagrario" with a profit of $ $9,258.25 in a period of 5 years brought to the present. In terms of gender it is more profitable to provide loans to women of the feminine gender, while referring to the use to which money from microcredit is earmarked is more beneficial when it is earmarked for self-employment and when talking about marital status, married clients are those who produce a greater profit to the Cooperative. The proposal of the research project is to provide more attention and better benefits or privileges to clients who allocate money from microcredit to self-employment to clients who are married and to clients who are female to obtain greater profitability. These benefits could be preferential rates, payment terms, grace months, among others.