Bibliographic citations
Antúnez, A., Quispe, Pacheco, M. (2020). “Plan de Negocio para la introducción del producto Crédito por Convenio en las pequeñas y medianas empresas de Lima” [Tesis, Universidad Peruana de Ciencias Aplicadas (UPC)]. http://hdl.handle.net/10757/653730
Antúnez, A., Quispe, Pacheco, M. “Plan de Negocio para la introducción del producto Crédito por Convenio en las pequeñas y medianas empresas de Lima” [Tesis]. PE: Universidad Peruana de Ciencias Aplicadas (UPC); 2020. http://hdl.handle.net/10757/653730
@mastersthesis{renati/1288641,
title = "“Plan de Negocio para la introducción del producto Crédito por Convenio en las pequeñas y medianas empresas de Lima”",
author = "Pacheco Falcón De Gomez, María Isabel",
publisher = "Universidad Peruana de Ciencias Aplicadas (UPC)",
year = "2020"
}
This plan aims to: Propose a Business Plan to introduce the Credit-Agreement Product in small and medium-sized enterprises (SMEs) in Lima through a Savings and Credit Cooperative, and with the aim of increasing the number of partners, reinforce the brand and provide a better service according to the market In this sense, the work begins with the analysis of the external and internal environment of the company, finding opportunities linked to the growth of demand, the use of new information and communication technologies, the current legislation that contributes to the growth of cooperatives. Likewise, threats related to the entry of new competitors (Multiple Banking) in the micro-financial segment, the high level of informality in SMEs and the political instability of the country Regarding the market, the opportunity was found to introduce the product (Credit-Agreement) in 1,079 companies (SMEs) that have between 50 and 100 workers, which due to their size are not attractive for Cooperatives that offer the same service, such as: Cooperatives Level 1, Level 2, CMAC and CRAC. When developing the fieldwork (Employer and worker), three main variables that influence the purchase decision were obtained: 1- Shorter time of attention of the credit application. 2- Completion of the procedures digitally. 3- Electronic payment of the loan in the client's account, as long as an average market rate is maintained. Additionally, 400 surveys were taken of workers who work in the target segment companies, determining that 49% accept the concept of Credit - Agreement (Discount per payroll) Within the 49% group that prefers the payroll discount, 68% accept the proposed advantages: fast service (24 hours), digital processing and an average market rate of 21%, in such a way that our target market is 34%. Finally, with the application of the proposed Business Plan, the five-year cash flow results in a NPV of S / 468,508 with an IRR of 42%, values that allow the project to be accepted.
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