Modelo de negocio para la Cooperativa de Ahorro y Crédito Coopac Austro Ltda. Periodo 2017-2018

Abstract

CANVAS model or "Lienzo de modelo de negocio" is an instrument for presenting business models that allows adding and creating value for the customers and generates competitive advantages in the market. This work is the application of the CANVAS methodology proposed by the authors Osterwalder and Yves Pigneur, in a Savings and Credit Cooperative located in the city of Cuenca-Azuay-Ecuador. The work begins with a general diagnosis regarding the Financial Ecuadorian Institutions and its impact on the economy. It collects primary information as secondary to determine opportunities and needs of the market. In addition, It is determined the importance of the microcredits for the development of productive activities by the Ecuadorian micro-enterprises, in order to identify opportunities and needs of this market. Subsequently, the value proposal is developed through the nine modules of the business model CANVAS for the microcredit segment aimed at microenterprises. Finally, this work contemplates the following analysis: the chain of company value, marketing analysis, strategic plan, operational plan, financial plan, analysis of impacts, viability of the model, and a risk analysis of the proposed model.