Propuesta para la creación de una caja de ahorro en la parroquia Fundochamba

Abstract

Abstract: The present work aims to propose the creation of a savings and credit box for coffee producers in the parish of Fundochamba, Quilanga Canton, as an alternative to improve access to financial services and foster financial inclusion in rural areas. Using a mixed approach methodology, data was collected through interviews and strategic tools such as the Lean Canvas model were applied. In addition, the regulatory requirements established by the Superintendency of Popular and Solidarity Economy for the legal constitution of these entities were analyzed. The results show low financial education, poor access to financial services and a high willingness of the population to participate in savings banks. The proposal proposes an organisational structure based on principles of self-management, transparency and sustainability. This research represents a significant contribution to the development of the parish, offering its financial structure adapted to the rural context and aligned with the principles of popular economy and solidarity.