CREATION OF THE PORTFOLIO OF MICROCRÉDITOS IN THE

INTEGRAL COOPERATIVE OF SAVING AND CREDIT MULTIPLIER,

R.L. DE NEBAJ, QUICHÉ.

Diogenes Amancio Gonzalez Pérez Sigrid Alitza Calderón de León

diogenesamancio@facebook.com sigridcalderon@yahoo.com
Industrial Engineer Industrial Engineer

ABSTRACT

The cooperative Multiplier R.L. It offers saving services and capital credits for superior
loans to Q 5 000.00, embracing the municipalities of Nebaj, Chajul, San Juan Cotzal,
Cunen, San miguel Uspantan of the department of the Quiché. The main problem that
they have is the decrease in the quantity of grant of credits, due to the competition of
companies with lower or same interest rates. Reason why strategies are looked for to
compete in the market. By means of the market analysis and the indexes of poverty it
was determined that the biggest quantity in people that belongs to the poor status,
constitutes the segment fewer assisted by the companies. Therefore It intends that
population's segment is assisted with the creation of the microcréditos portfolio to offer
smaller loans to Q 5 000.00.

KEYWORDS

Cooperative, Saving, Credit, Market, Loan.

DEVELOPMENT

For the creation of the microcréditos characterization of the services of the

wallet, It begins analyzing the measures
applied at the present time to avoid the
stagnation of capitals and to reduce the
delinquency index.
First they are the actions that have
been implemented already by the
cooperative as the reduction of the
interest rate, collector's recruiting to
doubtful, the creation of the collection
commission and the election of directive
in villages of the municipality of Nebaj
with more number of associates
To diagnose the market is carried out a
market analysis that includes: the
saving cooperative and credit, the
determination of the services substitutes
or similar, determination of which has
been their biggest market objective with
more loans to Q5 000.00, the
demographic and geographical
segmentation, among these the total
population of the municipalities,
demographic data as the indexes human
development and indexes of poverty.
These indicators represent the base for
the determination of the objective market
that should be assisted to be the biggest
quantity in population in the area.
 that It is carried out with data of the
Chart I. Poverty in Nebaj, Chajul, Cotzal and economic study, the capital of Q 1 000
Sacapulas
000.00 that one keeps in a saving mind
Poverty it presents a flow of effective as that of
Town the chart II.
Total (%) Extrem (%)
Chajul 92,75 40,59
Chart II. Cash flow savings
Nebaj 85,54 29,51
San Juan Cotzal 83,93 29,11 Period 0 1
Sacapulas 85,09 33,17 Investment -1 000 000.00
Income 1 055 000.00
Source: maps of poverty and inequality of Guatemala,
Expenses or tax 5 500.00
SEGEPLAN.
Net values -1 000 000.00 1 049 500.00

Source: own elaboration

It were carried out projections of the
saving demand and credit for the
cooperative, these they were adaptation
of the mathematical presage methods,
based on the tendency of the data
historical accountants of the
cooperative.
In the analysis of the processes carried
out to request and to obtain a loan It has
been carried out a diagram of flow and a
diagram of journey of the processes.
In the legal study the external legal mark
and the internal legal mark are
presented, the laws are in the external
legal mark that norman to the
cooperatives and other financial
institutions, in the mark legal intern the
normative ones and regulations that the
politicians of the cooperative Multiplier
govern is.
An economic study of: revenues,
financial costs, total costs of production,
administration, sales, financial, assets
average and active non currents; all
these data serve as base for the
economic evaluation.
In the economic evaluation the financial
reasons are included that are the
circulating reason and the debt reason
Calculating the TIR appraises it interns
of yield for the capital in the bill of
savings you determines that the yield
rate is of 4,95% for 1 year or 0,4125
monthly%, of this value it is deduced
that the current TIR is not viable
economically because it is smaller than
the rate of 16,36 annual% or 1,34
monthly% that is the TAMAR it
appraises minimum attractive of current
yield.
The proposal is to grant credits of Q 2
000.00, since one has that the biggest
quantity in population is classified as
poor, therefore It intends to invest the
capital of Q 1 000 000.00 in
microcréditos; all the costs were
calculated that it bears the
implementation of the project and the
TIR was calculated.
They are carried out the calculations to
obtain the TIR for a VPN = 0 and it is
obtained that it is of: 1,55%; the
obtained value of the TIR is bigger than
the rate of 1,36% that is therefore the
rate that wins the cooperative Multiplier
monthly, the proposal it is approved the
calculated TIR since it is bigger than the
attractive minimum rate of yield TAMAR.

In the teaching phase to the personnel
of the cooperative the following two
topics were included: calculation of
areas, conversion of area units and
lineal units with their respective support
material, examples and exercises.
1. BACA Urbina, Gabriel. Evaluación de
Proyectos, Editorial McGraw Hill, Año:
2010. 440 p.
2. CARLS, Warren. Análisis Financiero
Editorial, Editorial Thompson, Año:
2009. 830 p.
3. DAVID SON, Jeff. La Gestión de Proyectos,
Editorial Pearson, Año: 2010. 187 p.

Second they were imparted an 4. GUERRERO SPINOLA, Alba M.

introduction to the use of the program of Formulación y Evaluación de
Proyectos, Editorial Universidad, Año:
planning of projects: Microsoft Project 2010. 105 p.
that will be they of utility in the planning
of projects GRATEFULNESS
CONCLUSIONS  To the personnel of the cooperative
 To the Engineer it advises Sigrid
1. According to the internal rate of yield
Alitza calderón of León
TIR, if it is invested in the microcréditos
project you the yield of the capital
invested in savings will increase that
alone It has a yield 0,4125% monthly, to
a yield of 1,55% monthly.

2. Technicians will continue to apply

credit conversion methods and
calculation of areas to get approximate
dimensions of property to its real
dimensions.
CURRICULUM VITAE
RECOMMENDATIONS
 Diogenes Amancio Gonzalez
1. Approximately there are four Pérez
companies that represent competition,  Industrial engineer
according to the market analysis,  Graduated from the University of
therefore the assembly will approve the San Carlos de Guatemala.
creation of the microcréditos portfoil and  Contact Cell: 4546-8601
this way to take advantage of the
potential market.

2. Credit technicians must learn to use

features to track costs of Microsoft
Project.

BIBLIOGRAPHY