BIENES TANGIBLES MAQUINARIAS Y EQUIPOS

CANTIDADPRECIO UNITARIO
MUEBLES Y EQUIPAMIENTO
Impresora multifuncional
2
S/. 250.00
Computadoras de Escritorio
4
S/. 1,500.00
Escritorios completos (mesas y
sillas)
4
S/. 300.00
Estantes para publicidad
2
S/. 150.00
Sofa para sala de espera
1
S/. 200.00
Imprevistos Tangibles
1
S/. 410.00
SUB TOTAL

BIENES INTANGIBLES
PRECIO UNITARIOVIDA UTIL
Estudio de Pre-Inversion
S/. 500.00
Servicio de Busqueda de Marca
(INDECOPI)
S/. 38.50
S/. 533.50
5 aos
Registro de marca (INDECOPI)
Constitucion de sociedad
S/. 1,200.00
Gastos municipales (Licencia de
funcionamiento Municipalidad de
S/. 334.00
Definitiva
Lima)
Certificado de Defensa Civil
S/. 56.00
2 aos
Gastos no previstos (intangibles)
S/. 800.00
Imprevistos Intangibles
S/. 173.00
SUB TOTAL
S/. 3,635.00

Planilla de Trabajadores
Gerente General y Comercial
Gerente de Logistica
Gerente de Administracin y Finanzas
Vendedor 1
Contabilidad (Externa)

N de
Trabajadores
1
1
1
1
1

Sueldo
Mensual
S/. 1,000.00
S/. 900.00
S/. 900.00
S/. 750.00
S/. 300.00
TOTAL

Fuente: Elaboracin Propia

Capital de Trabajo (para operacin)

Conceptos
Inversin Mensual
Inversin Anual
Planilla Total
S/. 4,169.50 ##########
Luz
S/. 90.00
S/. 1,080.00
Agua
S/. 70.00
S/. 840.00
Telfono e Internet
S/. 150.00
S/. 1,800.00
Alquiler del Local
S/. 1,600.00 ##########

Materia prima (tercerizado)

Mano de obra (tercerizado)
Utiles de escritorio
Papeleria
SUB TOTAL

S/. 3,333.33 ##########

S/. 266.80
S/. 3,201.60
S/. 300.00
S/. 3,600.00
S/. 200.00
S/. 2,400.00
S/. 10,179.63 ##########

Inversin Total
Inversion Fija Tangible
Inversion Fija Intangible
Capital de Trabajo
TOTAL

S/. 8,610.00
S/. 3,635.00
S/. 10,179.63
S/. 22,424.64

TOTAL
S/. 500.00
#########
#########
S/. 300.00
S/. 200.00
S/. 410.00
#########

S/. 2,162.00

Aportes
Essalud

Sueldo Mensual
Total

S/. 90.00
S/. 81.00
S/. 81.00
S/. 67.50
S/. 0.00
TOTAL

Tipo de Costo
F
F
F
F
F

Vacaciones

Sueldo Anual
Total

S/. 1,090.00
S/. 981.00
S/. 981.00
S/. 817.50
S/. 300.00

S/. 500.00
S/. 450.00
S/. 450.00
S/. 375.00
S/. 0.00

S/. 13,080.00
S/. 11,772.00
S/. 11,772.00
S/. 9,810.00
S/. 3,600.00

S/. 4,169.50

S/. 1,775.00

S/. 50,034.00

V
V
V
V

Inversin Total
Inversion Fija
Inversion Intangible
Capital de Trabajo
TOTAL

S/.
S/.
S/.
S/.

Capital Social
De socios

8,610.00
3,635.00
10,179.63
22,424.64

S/. 7,224.50

Financiamiento propio
Financiamiento Bancos

Montos

S/. 7,224.50
S/. 15,200.14
S/. 22,424.64

32.22%
67.78%
100.00%

Cuadro Comparativo Banco - Prestamos para Capital de Trabajo - Cuotas

Nombre del producto

BanBif
Prstamo Comercial
Negocio

BCP
Crdito Negocio en
cuotas

Caractersticas
Monto del prstamo
TEA
Cuota

S/.

15,200.14
21%
988.52

S/.

15,200.00
47%
1,129.00

s para Capital de Trabajo - Cuotas

Mi Banco
Mi Capital

CrediScotia
Crdito Capital
de Trabajo

15,200.00
48%
S/. 1,161.10 S/.

15,200.00
25%
1,057.34

22.7629%
Cuota
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
OC

Saldo Capital
15,200.14
15,200.14
14,463.18
13,714.42
12,961.05
12,188.24
11,409.62
10,618.11
9,807.79
8,989.77
8,153.37
7,307.97
6,440.71
5,563.50
4,675.24
3,769.76
2,851.81
1,917.13
968.52

Inters
243.38
231.58
226.97
207.53
201.72
188.83
170.02
162.32
143.94
134.94
113.18
103.13
92.08
74.86
62.39
45.66
31.73
16.03

Amortizacion
746.04
757.84
762.45
781.89
787.70
800.59
819.40
827.10
845.48
854.48
876.24
886.29
897.34
914.56
927.03
943.76
957.69
973.39

Cuota (*)
0.00
989.42
989.42
989.42
989.42
989.42
989.42
989.42
989.42
989.42
989.42
989.42
989.42
989.42
989.42
989.42
989.42
989.42
989.42
0.00

Portes (*)
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00
10.00

(*) Ms el IGV correspondiente

(**) Tasa efectiva anual calculada sobre la base de 360 das
Nota.- La presente propuesta estar sujeta a la aprobacin de nuestro comit ejecutivo.
La vlidez de la presente propuesta es por 7 das.
El desembolso no deber exceder de 15 dias de aprobada la operacin.
Se deber considerar que la presente propuesta es referencial y estar sujeta a revisin en
casos las condiciones financieras y de mercado varen en forma importante.

1.7237%
-15,200.14
989.42
989.42
989.42
989.42
989.42
989.42
989.42
989.42
989.42
989.42
989.42
989.42
989.42
989.42
989.42
989.42
989.42
989.42
0.00

CRONOGRAMA REFERENCIAL Prstamo Emprendedor - Capital de Trabajo

Fecha desembolso
Cliente
Tipo de bien
Plazo
Tasa Anual
Tasa Mensual
Valor venta

12/30/2013
APB CREACIONES SAC
Capital de trabajo Micro Empresa
18
meses
21.00%
1.6012%
15,200.14
S/

CRONOGRAMA DE PAGOS
No.

Fecha Vcto

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
Totales

4/30/2014
5/30/2014
6/30/2014
7/30/2014
8/30/2014
9/30/2014
10/30/2014
11/30/2014
12/30/2014
1/30/2015
2/28/2015
3/30/2015
4/30/2015
5/30/2015
6/30/2015
7/30/2015
8/30/2015
9/30/2015

Saldo del
Principal

Amortizacin
del Principal

15,200.14
14,463.18
13,714.42
12,961.05
12,188.24
11,409.62
10,618.11
9,807.79
8,989.77
8,153.37
7,307.97
6,440.71
5,563.50
4,675.24
3,769.76
2,851.81
1,917.13
968.52
S/.

746.04
757.84
762.45
781.89
787.70
800.59
819.40
827.10
845.48
854.48
876.24
886.29
897.34
914.56
927.03
943.76
957.69
973.39
15,359.27

9,745.50
5,613.77

Intereses por
pagar

S/.

243.38
231.58
226.97
207.53
201.72
188.83
170.02
162.32
143.94
134.94
113.18
103.13
92.08
74.86
62.39
45.66
31.73
16.03
2,450.29

2,127.54
322.75

SG
Desgravamen

S/.

Emisin y envo
fsico de
informacin
9.00
9.00
9.00
9.00
9.00
9.00
9.00
9.00
9.00
9.00
9.00
9.00
9.00
9.00
9.00
9.00
9.00
9.00
S/.
162.00

Total Cuota
incluidos
portes
998.42
998.42
998.42
998.42
998.42
998.42
998.42
998.42
998.42
998.42
998.42
998.42
998.42
998.42
998.42
998.42
998.42
998.42
S/. 17,971.56

989.42

15,200.14

Gastos Administrativos

V
V

Planilla Total
Servicios
Alquiler del local
Utiles de escritorio
Papeleria
Total Gastos Administrativos
Crecimiento anual del
Gastos de Ventas
Gastos de representacin
Gastos de Publicidad
Total Gastos de Ventas
GASTOS OPERATIVOS

Q de Produccin mensual
Costo Materia Prima
Plancha de Cartn reciclado (80x100 cm)

20000 unid
CANTIDAD
667

Costo Manufactura (tercerizado)

Corte de cartn
Cala o serigrafiado del Cartn para la publicidad
Empaques

CANTIDAD
667
667
667

Costo Produccin mensual

Q de Produccin para 20,000 unidades

Costo Materia Prima (Tercerizado)
Plancha de Cartn reciclado (80x100 cm)

CANTIDAD
667

V
V
V

Costo Manufactura (Tercerizado)

Corte de cartn
Calado o serigrafiado del Cartn para la publicidad
Empaques

CANTIDAD
667
667
667

Utiles de escritorio

Tipo de Costo
V

Papeleria

Costos Variables anuales

Crecimiento anual del 2 %

Tipo de Costo
F
F
F
F
F

Costos Fijos
Conceptos
Planilla Total
Luz
Agua
Telfono e Internet
Alquiler del Local

Inversin Mensual
S/. 4,169.50
S/. 90.00
S/. 70.00
S/. 150.00
S/. 1,600.00

Costos Fijos anuales

Costo Materia Prima mensual (Tercerizado)

Costo Manufactura mensual (Tercerizado)
Costos tercerizado

S/. 3,333.33
S/. 266.80
S/. 3,600.13

Precio de Venta unitario

S/. 0.80

S/.
S/.
S/.
S/.
S/.
S/.

1er ao
50,034.00
3,720.00
19,200.00
3,600.00
2,400.00
78,954.00

S/.
S/.
S/.
S/.
S/.
S/.

2do ao
50,034.00
3,720.00
19,200.00
3,600.00
2,400.00
78,954.00

50,034.00
3,720.00
19,200.00
3,600.00
2,400.00
78,954.00

S/.
S/.
S/.
S/.
S/.
S/.

S/.
S/.
S/.
S/.

A partir del 3 ao
2do ao
3er ao
1,000.00 S/.
1,020.00
2,500.00 S/.
2,550.00
3,500.00 S/.
3,570.00
82,454.00 S/.
82,524.00

S/.
S/.
S/.
S/.

2%
S/.
S/.
S/.
S/.

1er ao
1,000.00
2,500.00
3,500.00
82,454.00

3er ao
S/.
S/.
S/.
S/.
S/.
S/.

4to ao
50,034.00
3,720.00
19,200.00
3,600.00
2,400.00
78,954.00

4to ao
1,040.40
2,601.00
3,641.40
82,595.40

TOTAL
PRECIO UNITARIO
S/. 5.00
S/. 672.00

TOTAL
PRECIO UNITARIO
S/. 0.12
S/. 80.04
S/. 0.18
S/. 120.06
S/. 0.10
S/. 66.70
S/. 266.80

osto Produccin mensual

S/. 938.80

Crecimiento anual del 2% a partir del 3 ao

PRECIO UNIT
S/. 5.00

TOTAL Mensual
TOTAL ANUAL
S/. 3,333.33
S/. 40,000.00

1er ao

PRECIO UNIT
S/. 0.12
S/. 0.18
S/. 0.10

TOTAL Mensual
S/. 80.04
S/. 120.06
S/. 66.70
S/. 266.80

1er ao

S/. 40,000.00

TOTAL ANUAL
S/. 960.48
S/. 1,440.72
S/. 800.40
S/. 3,201.60

S/. 960.48
S/. 1,440.72
S/. 800.40
S/. 3,201.60

S/. 3,600.00

S/. 2,400.00
S/. 6,000.00
Costos Variables anuales

Crecimiento anual del 2 %

S/. 49,201.60

2% a partir del 3 ao

Inversin Anual
S/. 50,034.00
S/. 1,080.00
S/. 840.00
S/. 1,800.00
S/. 19,200.00

1er ao
S/. 50,034.00
S/. 1,080.00
S/. 840.00
S/. 1,800.00
S/. 19,200.00

S/. 72,954.00

1er ao

20000 unidades
Costo Total

S/. 0.18

S/. 122,155.60
1er ao

Unidades a producir

240,000
1er ao

Costo Variable UNT

0.21
1er ao

Punto de Equilibrio (und)

Ventas

122,613

1er ao
S/.

192,000.00

S/.
S/.
S/.
S/.
S/.
S/.

5to ao
50,034.00
3,720.00
19,200.00
3,600.00
2,400.00
78,954.00

S/.
S/.
S/.
S/.

5to ao
1,061.21
2,653.02
3,714.23
82,668.23

% a partir del 3 ao
2do ao
S/. 40,000.00

3er ao
S/. 40,800.00

4to ao
S/. 41,616.00

5to ao
S/. 42,448.32

2do ao
S/. 960.48
S/. 1,440.72
S/. 800.40
S/. 3,201.60

3er ao
S/. 979.69
S/. 1,469.53
S/. 816.41
S/. 3,265.63

4to ao
S/. 999.28
S/. 1,498.93
S/. 832.74
S/. 3,330.94

5to ao
S/. 1,019.27
S/. 1,528.90
S/. 849.39
S/. 3,397.56

S/. 3,600.00

S/. 3,600.00

S/. 3,600.00

S/. 3,600.00

S/. 2,400.00
S/. 6,000.00

S/. 2,400.00
S/. 6,000.00

S/. 2,400.00
S/. 6,000.00

S/. 2,400.00
S/. 6,000.00

S/. 49,201.60

S/. 50,065.63

S/. 50,946.94

S/. 51,845.88

2do ao
S/. 50,034.00
S/. 1,080.00
S/. 840.00
S/. 1,800.00
S/. 19,200.00

S/. 72,954.00

3er ao
S/. 51,034.68
S/. 1,101.60
S/. 856.80
S/. 1,836.00
S/. 19,584.00

S/. 74,413.08

4to ao
S/. 52,055.37
S/. 1,123.63
S/. 873.94
S/. 1,872.72
S/. 19,975.68

S/. 75,901.34

5to ao
S/. 53,096.48
S/. 1,146.10
S/. 891.41
S/. 1,910.17
S/. 20,375.19

S/. 77,419.37

2do ao
S/. 122,155.60

3er ao
S/. 124,478.71

4to ao
S/. 126,848.29

5to ao
S/. 129,265.25

2do ao
240,000
2do ao
0.21
2do ao
122,613

3er ao
244,800
3er ao
0.20
3er ao
124,962

4to ao
249,696
4to ao
0.20
4to ao
127,359

5to ao
254,690
5to ao
0.20
5to ao
129,803

2do ao
3er ao
4to ao
5to ao
S/. 192,000.00 S/. 195,840.00 S/. 199,756.80 S/. 203,751.94

ganchos de plastico

240000
OJO Produccin Costo
100
0.40
ganchos de plastico

100

0.48

666.66667
S/. 40.00
S/. 48.00

BIENES TANGIBLES MAQUINARIAS Y EQUIPOS

MUEBLES Y EQUIPAMIENTO
Impresora multifuncional
Computadoras de Escritorio
Escritorios completos (mesas y sillas)
Estantes para publicidad
Sofa para sala de espera
Imprevistos Tangibles
SUB TOTAL

Total Anual
S/. 500.00
S/. 6,000.00
S/. 1,200.00
S/. 300.00
S/. 200.00
S/. 410.00
S/. 8,610.00

BIENES INTANGIBLES
Precio Unitario
S/. 500.00
Estudio de Pre-Inversion
S/. 38.46
Servicio de Busqueda de Marca (INDECOPI)
S/. 533.30
Registro de marca (INDECOPI)
S/. 1,200.00
Constitucion de sociedad
Gastos municipales (Licencia de funcionamiento
S/. 334.00
Municipalidad de Lima)
S/. 55.50
Certificado de Defensa Civil
S/. 800.00
Gastos no previstos (intangibles)
S/. 173.06
Imprevistos Intangibles
SUB TOTAL
S/. 3,634.32

Depreciacin Anual
S/. 100.00
S/. 1,200.00
S/. 240.00
S/. 60.00
S/. 40.00
S/. 82.00
S/. 1,722.00

Amortizacin Anual
S/. 166.67
S/. 12.82
S/. 177.77
S/. 400.00
S/. 111.33
S/. 18.50
S/. 266.67
S/. 57.69
S/. 1,211.44

20000 unidades
Costo Materia Prima mensual (Tercerizado)
Costo Manufactura mensual (Tercerizado)
Costos tercerizado

S/. 3,333.33
S/. 266.80
S/. 3,600.13

S/. 0.18

Presupuesto de Ingresos

Unidades
Precio de Venta
Total Ingresos
Indica de crecimiento 2% a partir del 3er ao

1er ao
240,000
0.8
S/. 192,000.00

2do ao
240,000
0.8
S/. 192,000.00

Presupuesto de Egresos

Costos Variables
Costos fijos
Total Costos

1er ao
S/. 49,201.60
S/. 72,954.00
S/. 122,155.60

2do ao
S/. 49,201.60
S/. 72,954.00
S/. 122,155.60

Total Egresos

1er ao
S/. 122,155.60

2do ao
S/. 122,155.60

S/. 69,844.40

3er ao
4to ao
5to ao
244,800
249,696
254,690
0.8
0.8
0.8
S/. 195,840.00 S/. 199,756.80 S/. 203,751.94

3er ao
4to ao
5to ao
S/. 50,065.63 S/. 50,946.94 S/. 51,845.88
S/. 74,413.08 S/. 75,901.34 S/. 77,419.37
S/. 124,478.71 S/. 126,848.29 S/. 129,265.25

3er ao
4to ao
5to ao
S/. 124,478.71 S/. 126,848.29 S/. 129,265.25

APB CREACIONES SAC

BALANCE GENERAL
(Expresado en Nuevos Soles)
ACTIVO CORRIENTE
Caja y Bancos S/. 74,396.49
Total Activo Corriente

ACTIVO NO CORRIENTE
Maquinaria y Equipos
Intangible
Amortizacin
Depreciacin
Total Activo No Corriente
TOTAL ACTIVO

S/. 74,396.49

S/. 8,610.00
S/. 3,635.00
-S/. 1,211.44
-S/. 1,722.00
S/. 9,311.56
S/. 83,708.05

CIONES SAC
GENERAL
Nuevos Soles)
PASIVO CORRIENTE
Prestamo Bancario
S/. 387.84
Tributos por pagar S/. 18,385.03
Total Pasivo Corriente
S/. 10,456.47
PASIVO NO CORRIENTE
Prestamo Bancario S/. 14,812.30
Total Pasivo No Corriente

10,133.33

S/. 14,812.30

PATRIMONIO
Capital S/. 7,224.50
Resultado del Ejercicio S/. 42,898.39

Total Patrimonio
TOTAL PASIVO PATRIMONIO

S/. 50,122.89
S/. 57,926.87

0.00

Ventas Netas
(-) Costo de Ventas
Utilidad Bruta

APB CREACIONES SAC

ESTADO DE GANANCIAS Y PERDIDAS
(Expresado en Nuevos Soles)
1er ao
S/. 192,000.00
S/.
43,201.60
S/. 148,798.40

(-) Gastos de Administracin

(-) Gastos de Ventas

S/.
S/.

78,954.00
3,500.00

Utilidad de Operacin

S/.

66,344.40

Gastos Financieros
Depreciacin
Amortizacin de Intangibles

S/.
S/.
S/.

2,127.54
1,722.00
1,211.44

(-) Otros Ingresos y/o Egresos

S/.

5,060.98

S/.

61,283.42

S/.

18,385.03

S/.

42,898.39

UTILIDAD ANTES DE IMPUESTOS

(-) Impuesto a la Renta 30%
UTILIDAD NETA

APB CREACIONES SAC

ESTADO DE GANANCIAS Y PERDIDAS
(Expresado en Nuevos Soles)
2do ao
3er ao
4to ao
5to ao
S/. 192,000.00 S/. 195,840.00 S/. 199,756.80 S/. 203,751.94
S/.
43,201.60 S/.
44,065.63 S/.
44,946.94 S/.
45,845.88
S/. 148,798.40 S/. 151,774.37 S/. 154,809.86 S/. 157,906.05
S/.
S/.

78,954.00 S/.
3,500.00 S/.

78,954.00 S/.
3,570.00 S/.

78,954.00 S/.
3,641.40 S/.

78,954.00
3,714.23

S/.

66,344.40 S/.

69,250.37 S/.

72,214.46 S/.

75,237.82

S/.
S/.
S/.

322.75 S/.
1,722.00 S/.
1,211.44 S/.

S/.
1,722.00 S/.
1,211.44 S/.

S/.
1,722.00 S/.
1,211.44 S/.

1,722.00
1,211.44

S/.

3,256.19 S/.

2,933.44 S/.

2,933.44 S/.

2,933.44

S/.

63,088.21 S/.

66,316.93 S/.

69,281.01 S/.

72,304.38

S/.

18,926.46 S/.

19,895.08 S/.

20,784.30 S/.

21,691.32

S/.

44,161.74 S/.

46,421.85 S/.

48,496.71 S/.

50,613.07

Micro hasta
Pequea desde
Pequea hasta

S/.
S/.

127,783.14
64,216.86

555,000.00
558,700.00
6,290,000.00

CONCEPTO /
Ingresos

AO

Inversin Inicial Propia

Ingresos por ventas
Total Ingresos

1er ao

2do ao

-S/. 7,224.50
S/. 192,000.00 S/. 192,000.00
S/. 192,000.00 S/. 192,000.00

Egresos
Costo de Produccin
Gastos Administrativo
Gastos de Ventas
Total de Egresos

S/. 43,201.60 S/. 43,201.60

S/. 78,954.00 S/. 78,954.00
S/. 3,500.00
S/. 3,500.00
S/. 125,655.60 S/. 125,655.60

Utilidad antes de impuestos

S/. 66,344.40

S/. 66,344.40

Impuesto a la Renta (30%)

S/. 19,903.32

S/. 19,903.32

S/. 46,441.08

S/. 46,441.08

S/. 39,216.58

S/. 85,657.66

Saldo Neto - Flujo General

-S/. 7,224.50

Flujo de caja Econmico

VAN
TIR

S/. 137,692.23
643%

Flujo de Caja financiero

Inversin Inicial Financiada
Saldo Neto
Amortizacin
Intereses
FCF

0
-S/. 15,200.14

VAN
TIR

S/. 122,878.98
243%

-S/. 15,200.14

1er ao
S/. 46,441.08
S/. 9,745.50
S/. 2,127.54
S/. 34,568.04

2do ao
S/. 46,441.08
S/. 5,613.77
S/. 322.75
S/. 40,504.56

3er ao

4to ao

5to ao

VAN =
S/. 195,840.00 S/. 199,756.80 S/. 203,751.94
S/. 195,840.00 S/. 199,756.80 S/. 203,751.94

S/. 44,065.63 S/. 44,946.94 S/. 45,845.88

S/. 78,954.00 S/. 78,954.00 S/. 78,954.00
S/. 3,570.00
S/. 3,641.40
S/. 3,714.23
S/. 126,589.63 S/. 127,542.34 S/. 128,514.11
S/. 69,250.37

S/. 72,214.46

S/. 75,237.82

S/. 20,775.11

S/. 21,664.34

S/. 22,571.35

S/. 48,475.26

S/. 50,550.12

S/. 52,666.48

S/. 134,132.92 S/. 184,683.04 S/. 237,349.52

3er ao
S/. 48,475.26
S/. 0.00
S/. 0.00
S/. 48,475.26

4to ao
S/. 50,550.12
S/. 0.00
S/. 0.00
S/. 50,550.12

5to ao
S/. 52,666.48
S/. 0.00
S/. 0.00
S/. 52,666.48

0.86956522
0.87
34,101.38

74,484.92

0.83333333
0.83
32,680.49

71,381.39

Fj
(1+i)^n

TIR/COK
0.15

Inversin
inicial

TIR
0.20

-1.166575

0.15

116,637.32

160,593.95

206,390.88
VAN (15%)

592,208.46
584,983.96

111,777.43

153,902.53

197,791.26
VAN (10%)

567,533.10
560,308.61

VAN
584,983.96
0
560,308.61

TIR

24,675.35
23.71
-1.18536091
-1.33536091
-133.536091

AMENAZAS DEBILIDADES

OPORTUNIDADES

FORTALEZAS

Costo de produccin por debajo de la competencia

Precio al cliente, por debajo del promedio (miles unidades)
Producto innovador, siendo este un instrumento de marketing eficaz
Valor agregado (Publicidad)
Materiales de produccin 100% ecolgicos
Inversin moderada
NSE alto en crecimiento en los distritos La Molina, Miraflores, San Borja, San Isidro, Surco
Magdalena del Mar, Pueblo Libre y San Miguel
Consumidor con mayor capacidad de compra y poca disponibilidad de tiempo, por lo que el uso
de lavanderas es un factor clave para ellos.
El patrn de consumo de las lavanderas va en incremento.
Ubicacin de las lavanderas estratgicamente posicionadas (avenidas importantes, en conjunto
con los nuevos proyectos de construccin de viviendas, centros comerciales) haciendo una
demanda dedel
clientes
Incremento
gastomayor.
promocional en las empresas. Punto estratgico en las empresas.
Produccin tercerizada
Canales de distribucin limitados
Tiempo de vida del producto terminado (de 3 a 4 meses)
Incremento del costo de los materiales de produccin
Cambio de la demanda al consumo de lavandera en el hogar
Nuevos competidores